davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I Will also be seeking compensation for the damages caused to me. Defamation of Character : {$1000.00} XXXX XXXX : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has refused to acknowledge its role in my case ( XXXX ). They falsely advertise XXXX as a secure way to transfer money, protected by Wells Fargo. XXXX is not protected by Wells Fargo and it is wrong for them to push a 3rd party app that has no user protections. Furthermore, Wells Fargo employees XXXX XXXX ( Executive Office Case Specialist XXXX ), XXXX XXXX ( Case Specialist for XXXX XXXX XXXX XXXX ), and, primarily, XXXX XXXX ( Escalated Complaints Specialist ) have not been responsive to any phone calls and have failed to communicate with me in a polite and just manner. I have called XXXX XXXX numerous times and she never once replied or tried to contact me. I was once directed to a different Escalated Complaints Specialist who rudely told me I'm wasting my time and it's my fault and I can try all my life to get a response but I won't get one. No one has been kind or helpful, only rude and cold, trying to avoid my calls or admit their responsibility in this problem. It's terrible customer service and deceptive marketing.

For Wells Fargo to take responsibility for their terrible customer service and deceptive marketing. Wells Fargo should not affiliate with a third party they do not back ( XXXX ). I would like a reimbursement for my unprotected transactions with XXXX as I was deceived into thinking it was secure.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent in multiple different letters to the credit bureaus trying to get items that are inaccurate removed from my credit. The last letter I sent to the bureaus was XX/XX/XXXX asking for proof of how they verified the information on my report, I have yet to receive any form of communication from the bureaus. So on XX/XX/XXXX I submitted a complaint through the cfpb portal, the bureaus responded by saying they need to do a investigation into the complaint and that they will respond back to me in 30 days. It is now XX/XX/XXXX it has been 79 days and I haven't received anything from them. So I want to file this complaint expressing that the bureaus haven't done what they said they were gon na do and also feel like they are taking advantage of the time they have to respond due to COVID19. 

Thank You
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

I've recently looked at my credit report with XXXX XXXX and equifax and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX years and they keep violating my federally protected rights.the XXXX  violation is XXXX  is reporting a high balance of {$2900.00} XXXX  is reporting {$0.00} and equifax is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) XXXX  is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX as date of last activity.the next violation is open date XXXX  is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and equifax is XXXX XXXX the open dates the next inconsistency is close date XXXX  is reporting XX/XX/XXXX XXXX  is reporting no date and equifax is reporting no date as the close date.the next violation is past due amount XXXX is reporting {$1400.00} XXXX  is reporting {$1400.00} as the past due and equifax is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history transunion has none reporting XXXX  is reporting repeatedly charge off and equifax has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX  acount # XXXX transunion equifax and XXXX  credit reports immediately and pay me {$1000.00} per each violation.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weber & Olcese, PLC (TN)

I was sent a letter from Weber & Olcese, P.L.C. had been retained by XXXX XXXX XXXX which is a violation 15 USC 1692e ( 3 ) the false representation or implication that any individual is an attorney or that any communication is from an attorney. The letter stated this communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose which is a violation of 15 USC 1692 b ( 2 ) not state that such consumer owes any debt.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a XXXX XXXX. My caregiver for the past 19 months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all 3 credit bureaus are reporting this information as mines.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/24 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$390.00}, XXXX XXXX XXXX Balance : {$900.00}, XXXX XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXXXXXX XXXX Balance : {$83.00}XXXX XXXX  XXXX XXXX XXXX : {$110.00}, XXXX XXXX XXXX XXXX : {$610.00}, XXXX XXXXXXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX XXXX XXXX : {$210.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX : {$130.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX : {$1400.00},, XXXX XXXXXXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX Balance : {$270.00}XXXX XXXX  XXXX XXXX XXXX : {$200.00}XXXX XXXX XXXX XXXX Balance : {$100.00}