davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (MO)

I have a loan and a credit card attached to my account that are fraudulent. XXXX of XXXX  I filed a complaint with the Federal trade commission regarding identity theft with these accounts. I have never authorized and know nothing about these accounts. 

On XXXX I Certified Mailed All XXXX Bureaus With Handwritten Letter XXXX With Birth Certificate, SS Card, Valid ID and Utility Bill With My Correct Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address has also been tampered and my whole XXXX account is not reporting due to this identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX mail receipt number : XXXX XXXX XXXX XXXX mail receipt number : XXXX Experian certified male receipt number : XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/Never late and send me a copy of my updated credit report regarding dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this should not be late, send proof now. Also please pass this along 15 USC 1681s-2 ( F ).
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-07
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. (TN)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-07
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. (PA)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-10-07
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. (SC)

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 2024-09-18
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: Experian Information Solutions Inc. (TX)

Re : Immediate Deletion and Removal of Accounts Account Numbers : XXXX and XXXX To : Experian, This is my FINAL demand for the immediate deletion and removal of the accounts referenced above from my credit report. My original request for validation of debt was submitted on XX/XX/2024 ( CFPB Case # XXXX ) ( XXXX ), and I have received absolutely no proper validation of these accounts as required by federal law. 
Attached to this letter, I am including a copy of my third and final letter that was sent to XXXX, as well as documentation of the CFPB report and the certified mail tracking information. Specifically, I have attached a copy of the green certified mail tracking receipt proving that XXXX received my dispute and validation request. XXXX  receipt of this letter was confirmed by a signed acknowledgment, and yet, over a total of 120 days have passed with no response or validation. 
XXXX  Failure to provide validation within 30 days of receiving my request constitutes a direct violation of 15 U.S. Code 1692g ( Validation of Debts ). This law clearly mandates that upon receiving a dispute, you are required to : 1. Cease all collection activity until the debt is properly validated. 
2. Provide the consumer with clear, documented validation of the debt, including details about the original creditor and the amount owed. 
Since I received no such validation, XXXX  is now in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and is unlawfully continuing to report inaccurate and unverified information to the credit bureaus. This also violates your obligations under 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ), which requires you to furnish only accurate and verifiable information. 
Given that you have failed to comply with these legal obligations, I DEMAND that you immediately delete and remove these accounts from my credit report. Failure to do so will result in further legal actions, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing litigation for violations of both the FDCPA and FCRA. 
This is the FINAL NOTICE. You have been fully aware of your obligations under federal law and have chosen to ignore them. I demand immediately that I receive confirmation that these accounts have been deleted from my credit report. 
I expect immediate compliance, and I have attached the certified mail tracking information as proof that XXXX received my original dispute and did not respond. Failure to act promptly will result in escalated legal action with you and XXXX without any further warning.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2020-06-18
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. (CA)

I submitted disputes to XXXX, XXXX, and Transunion via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (TX)

I have opened a XXXX credit through Wells Fargo bank. I have used the card only at a few stores. A few weeks later I receiced a text message asking me to verify recent transactions which I did not make nor approve. Additionally, there were several attempts made to use my credit card a week prior by someone else on XXXX XXXX, but I never received communication about that from a bank. The transactions just got denied and I was not notified that someone was trying to make unauthorized purchases. Once I confirmed that the purchases were not authorized, the replacement card was sent my way. Once I received a card, I wanted to activate it but I was informed that it was already compromised. So my card was compromised even before it was activated. In total, I had XXXX XXXX credit cards.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report this morning, and I'm unsure why they're there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but the inquiries remained. I am extremely frustrated and need this issue resolved immediately by having the documents I sent thoroughly reviewed so I can stop worrying about it.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had filed a complaint that this account should not be on my personal credit report because it is a business account, and I had requested from the company to proof otherwise. The company provided an account statement that clearly shows that it is a business account and it had my name on it. I am the owner and the director of the company, and that is why my name is showing on the account. However, the company has no proof whatsoever that I had signed any personal guarantee on the account and that I am personally responsible for the account. I had applied for the card on behalf of the company, and the card was issued to my company as a business credit card and not as a personal credit card. I am requesting a legal document, not just an account statement, stating that I am a personal guarantor on the account and signed by me. Thank you.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

An account is listed on my credit report that I never opened or had business dealings with this account. There is no contract nor have any transactions occurred with the business. It is listed as XXXX XXXX XXXX XXXX  with a {$0.00} balance. It shows as a closed account but Ive never had an open account with them. 

The second account listed is XXXX XXXX  XXXX XXXX which I believe those are the same just under a different name. And again no account established so it should not be reporting. It shows a {$0.00} balance and closed. This account was never opened.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am a victim of XXXX XXXX of XXXX XXXX. I would like for all listed names, addresses, and accounts to be BLOCKED AND DELETED BY EXPERIAN as follows : XXXX XXXXXXXX XXXX XXXX Account XXXX- {$2500.00}, XXXX  XXXX XXXX XXXX {$33.00}, XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXXXXXX {$43000.00}, XXXX {$550.00}, XXXX {$720.00}, Inquiries-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I am a victim of identity theft I have tried several times to provide police reports, affidavits, ftc reports, dispute letters, court documents and everything I have been asked to provide. 
Still these accounts remain on my report
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Modern Asset Management, Inc. (IN)

UNKNOWN MEDICAL INQUIRY MODERN HEALTH RECIEVED MEDICAL HEALTH RELATED SOLICITATIONS AFTER THIS CREDIT INQUIRY UNKNOWN INQUIRY XX/XX/2024 XXXX *FRAUDULENT CREDIT INQUIRY* FAIR CREDIT REPORTING ACT VIOLATION
Consumer complaint received 2024-10-24
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. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX has denied my request to remove the 30 day late payment for my vehicle payment that was due on XX/XX/XXXX. I was shopping for a vehicle, throughout the month of XXXX and hand to wait until labor day to get the deal I was shopping for. My vehicle was traded in on XX/XX/XXXX. When we called to get my payoff on XX/XX/XXXX ( I believe was the date ), we let the person on the phone know that the vehicle was being traded in. I asked about the payment and was told that as long as it was traded by XXXX I would not be turned into the credit bureaus as 30 days late. Additionally, I have never been late with XXXX XXXX and have worked very hard to build my credit up after having to file bankruptcy inXX/XX/XXXX due to a divorce. The late reporting has drastically lowered my credit score and has hindered the process of starting a business, which I was in the middle of!

As a one time exception, I asked to have this removed at least as " Good Will ''. Being aXX/XX/XXXX, I have seen that happen more times than I can count. The account with XXXX XXXX is PAID IN FULL and over the 2 years that I owned the vehicle I paid over XXXX XXXX Dollars in interest and because of that, I was upside down in my vehicle by over XXXX dollars! Is asking for a one time deletion really too much?
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (VA)

In XXXX, after I canceled XXXX XXXX I was sent a bill for XXXX. According to my records I had paid everything and had a XXXX  balance. I called XXXX and disputed the charge, at that time I used my records of my previous bills to dispute the charge. The man I talked to couldn't tell me where the charge was coming from so he said he would rectify the situation. Shortly after I got a call from a Collections Agency and notified them that the situation was corrected and they needed to talk to XXXX. Even after telling the agency this they still tried to get me to pay, but as far as I was tracking after talking to XXXX I didn't owe that charge anymore. I never heard anything about the charge or received any bill after that, until it showed up on my Credit Report. I called XXXX XXXX for further information. The lady I talked to notified me that the reason I wasn't tracking the charge is because it was from a different account back in XXXX that they transferred into the account that I was canceling in XXXX. They did this without my knowledge or without any notification, furthermore the guy I talked to the first time from XXXX had no clue where the XXXX charge was coming from. I Paid the full charge to XXXX and the apologized for the miscommunication. The delinquent dept I feel is wrongfully posted on my credit report because when I was told from XXXX the the charge was settled the first time I never received any notification from XXXX notifying me it was reinstated.