davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
XXXX XXXX account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. XXXX XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my report.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX THIS ITEM REMAINS UNVERFIED. THIS ITEM IS IN CLEAR VIOLATION OF 609. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT SECTION 168I, YOUR COMPANY IS REQUIRED TO DEMAND THAT THEY DELETE THE ITEM.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-06
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. (IL)

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause severe XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report 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.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX - XXXX, please remove this inaccurate item.
Consumer complaint received 2024-09-06
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. (CA)

I am victim of an identity theft, someone used my personal information and opened a fraudulent account under my name, this account is not mine, it was never used by me. I need the fraudulent account to be removed from my credit report. Yes, its a closed account but its not mine. I have reached out to credit bureaus, this is not my account, it should not report on my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These credit bureaus have repeatedly failed to maintain accurate records on my credit report, despite my numerous efforts to have the inaccuracies corrected. This letter outlines the specific violations of my rights under the FCRA that have caused me significant financial and emotional harm.Incorrect Names and Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) 2. Failure to Remove Fraudulent Accounts ( Violation of 15 U.S.C. 1681i ( a ) ) Despite filing multiple disputes, the credit bureaus have refused to remove fraudulent accounts that were opened in my name without my authorization. This failure to investigate and correct these inaccuracies within a reasonable time is a violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputed information in a timely manner. Inaccurate Reporting of Collections ( Violation of 15 U.S.C. 1681e ( b ) ) The credit bureaus are reporting several fraudulent collections accounts on my report that do not belong to me. This is a violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Failure to Remove Fraudulent Bankruptcy Filing ( Violation of 15 U.S.C. 1681c ) The credit bureaus have also failed to remove a fraudulent XXXX  XXXX Bankruptcy listing that does not belong to me. This bankruptcy is causing severe damage to my creditworthiness and violates 15 U.S.C. 1681c, which governs the reporting of public records and the obligation to remove incorrect information.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I called Capital One at the beginning of XX/XX/XXXX to discuss how my name ( XXXX XXXX XXXX ) was on a credit card without my permission. They assured me the credit card was not associated with my social security number, and closed the account. At the beginning of XX/XX/XXXX, I checked my credit score on credit karma and found that the card was associated with my credit line. I called Capital One again to find out why the card was on my credit line. They told me that XXXX XXXX  opened this credit card and that they acquired the account in XXXX. The only people I can think of that have access to my banking information who would use this in fraudulent ways is XXXX XXXX XXXX XXXX XXXX business office, specifically XXXX XXXX, Procurement Coordinator, and XXXX XXXX, my legal mother. XXXX XXXX made a comment that she and my supervisor XXXX XXXX, Executive Director, Marketing and Communications,  have access to my A number ( that is tied to my social security number ) and can access my banking information at any time. Also, XXXX XXXX gave me the card. XXXX has told me verbally that she tries to hide money in different accounts and asked to hide money in one of my accounts while she was in a legal dispute. The account has been terminated according to XXXX XXXX, but I wasn't aware it existed till XXXX of this year. I have been employed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have been caught stealing money from The Missouri Department of Economic Development in the upwards of XXXX XXXX dollars. They also have a very lackadaisical business office practice for their procurement processes. As an administrative assistant, I witnessed their software, XXXX, have multiple business accounts with slight variations of names so that they can pay out of different business lines. I also witnessed them cut checks for large quantities ( hundreds of thousands ) to businesses without going through there XXXX software. Because XXXX XXXX XXXX XXXX has already been involved in stealing money from government departments, and they are threatening me for speaking up about what I know about the school, I am afraid that they may commit identity theft and use my name for fraudulent practices.
Consumer complaint received 2024-08-15
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)

XX/XX/XXXX,, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I XXXX got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. 
There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry details
Consumer complaint received 2024-09-05
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. (MI)

I explained to the credit bureaus that these happened without my knowledge and these accounts were added fraudulently but they still remained thereafter blatantly violating my consumer rights. I filed an ftc affidavit and forwarded another affidavit to the accused parties which are XXXX, Equifax, and XXXX due to be delivered at a later date. These are accounts I did not authorize or give consent to open or inquire upon my credit profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (CO)

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 2024-09-05
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX, XXXX XXXX - XXXX,
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2024-09-06
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CO)

I used an XXXX XXXX XXXX account card to purchase items. I updated my address but it was several months before I received a bill. They told me they waived the fees associated with that but it was a lie. I made arrangements to pay half of the balance off with an associate over the phone and he didn't put my request in resulting in a late fee. That call was reviewed by a manager and corroborated that they made a mistake. They still assessed late fees against me. I made an arrangement last week for the XXXX of XXXX to pay the entire balance off WITH THE LATE FEES INCLUDED, and they haven't processed the payment, today is the XXXX. I believe they intend to charge me the interest balance instead of the 0 %.
Consumer complaint received 2024-10-05
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: BARCLAYS BANK DELAWARE (WI)

I received notice of a hard credit inquiry on XX/XX/year> under the name XXXX XXXX using my social security number and other demographics for Barclays Bank. I've reached out to all three credit companies and it seems to only be showing up at XXXX to date. 

I've had several prior police reports and social sec. reports filed that she is using my information for fraud. She also uses multiple alias and addresses for her scams. I've tried my best to remove them from all XXXX companies.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly.

The disputed payments are as follows : 1. Date of Late Payment 1 : XX/XX/XXXXXXXX  2. Date of Late Payment 2 : XX/XX/XXXX In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error.

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score.

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX