davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-24
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. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (IN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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. (LA)

On XXXX XXXX, 2024, I sent a letter/dispute to Equifax to remove some inquiries that are on my credit report that I did not authorize, and they refused to remove them : 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX. THE REPORT OF AN INSTALLMENT LOAN APPEAR ON MY CREDIT FILE. XX/XX/year> XXXX. THE CREDITOR IS MAKING DEROGATORY REPORTS AND DOES NOT HAVE RECEIPT OF MY AUTHORIZED SIGNATURE FOR ANY INSTALLMENT LOAN. 

XXXX. INSTEAD, THE ALLEGED CREDITOR HAS AUTHORIZED THIS INSTALLMENT LOAN THROUGH A NON-JUDICIAL ADMINISTRATIVE PROCESS WITH QUASI-COURT AND A COURT COMMISSIONER. 

XXXX. THE COURT COMMISSIONERS AUTHORITY TO ACT IS LIMITED FIRSTLY BY THE CONSENT OF PARTIES TO ACT. ENTITLED STIPULATION. 2024 CALIFORNIA RULES OF COURT XXXX. 

XXXX. THE COURT COMMISSIONERS ARE ALSO LIMITED TO ACT THROUGH THE ADMINISTRATIVE PROCEDURES ACT. AND THE ACT FURTHER DEMONSTRATES THAT A COMMISSIONER MUST HAVE CONSENT OF THE PARTIES FOR THE SETTLEMENT. 

XXXX. A STIPULATION MUST EXIST ON FILE BETWEEN THE COMMISSIONER AND THE PARTIES. 

XXXX. NO STIPULATION EXIST BECAUSE THE XXXX DID NOT HAVE STANDING TO MAKE A CLAIM AND THUS HAD TO HOLD AN ADMINISTRATIVE HEARING BETWEEN THEMSELVES : I REALITY THE AGENCY EXECUTED AND FILED THEIR OWN ORDER WITH MY NAME FORGED UPON IT CREATING THE APPEARANCE OF A JUDICIAL JUDGMENT. 

XXXX. THEY HAD MY NAME AND MY SOCIAL SECURITY NUMBER SO THEY EXECUTED THE ORDER TO CREATE A SECURITY AND NAMED ME OBLIGOR OF THE CONTRACT. 

XXXX. THE CREDITOR NEVER PRODUCED A CONTRACT AND DID NOT PRODUCE THE REQUESTED RECORDS TO VALIDATE THEIR PROOF OF CLAIM. AGAIN, IN VIOLATION OF 5 USC 552 A. RECORDS MAINTAINED ON INDIVIDUALS.13 SUB SECTION D : ACCESS TO RECORDS. 

XXXX. THE CREDIT BUREAUS ARE BEING DECEIVED BY THE ALLEGED CREDITOR BECAUSE THEY ISSUED THEM AN ADMINISTRATIVE DECISION TITLED MINUTES AND ORDER AS THEIR VALIDATION FOR THE LOAN ACCOUNT. BUT THE ORDER IS NOT VALID ACCORDING TO LAW COURT RULES. 

THE CREDIT REPORTING AGENCY ASSUMES THE ADMINISTRATIVE DECISION IS VALID BUT THEY ARE IN ERROR.
Consumer complaint received 2024-06-20
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error. 
The following items must be amended to " Paid as Agreed '' on my consumer report : XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XX/XX/XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXX/XX/XXXXAccount Number : XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
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. (CA)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. 
ACCOUNT : XXXX XXXX XXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies. 
I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY AS I WAS NEVER LATE FOR THIS ACCOUNT. EQUIFAX even has this information correct, as it reads PAID AS AGREED for XXXX of 2022 on their consumer report. Failure to do so may constitute willful non-compliance in this matter. 

I have experienced great emotional and financial hardship over this illegitimate late payment as it has inhibited my opportunity to refinance one of my mortgages amongst other things. 

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On today approximately at XXXX XXXX. My capital one credit card was declined at the XXXX XXXX XXXX for less roughly {$10.00}. I used my XXXX instead. After being EMBARESSED, I pulled over and called Capital one. I was informed i needed to speak to the fraud dept. I spoke to a rep. that I later transferred me to a Supervisor upon my request. the supervisor XXXX employee number XXXX who informed me that i would need to collect government issued IDs and social security cards from all of the newly added authorized users and the authorized users that was already added and had not been previously asked for any of this information. I then requested to have them removed as I can not control if each person would give me both DL and SS card ( copies ) My son whom is a student does not have a government issued ID and I have no plans on doing such at this time would also need those items.. WITHOUT each person providing their info my card would be RESTRICTED. I have never been late and have had my card for several years. I am floored as, my son uses his card and i could have been out of town on business. If I had what would have happened. I did not receive an email or a phone call from the fraud dept. In times before they send emails to confirm purchases and ensure quality and consumer protection ... This is not quality or consumer protection. I ordered the cards and they are being sent to my secure address and it is the address that was on file. I read and called to ask for authorized user guidelines and limitations and was never told that requesting a certain means you have to PROVE certain things and IT will lock your card if all parties are not comfortable with sending over information.. 

I believe in Policy and Procedure.. I do not believe in XXXX gestures. These above actions should have fix actions, of Capital One client retention. I would like capital one to understand some people will provide me with their information and others do not feel comfortable sending those XXXXwo piece of VERY SENSITIVE information. As the PRIMARY account holder I am responsible for the account and the charges.. I can not make them want to send over that information ... which  ultimately will have me paying my card off and closing my account. I have several cards with Capital One and all in exceptional standing.. I also am an authorized user on a family members card and I was NEVER asked for PHOTO ID AND SS .... THIS IS A FORM OF DISCRIMINATION. I was also told this was FEDERALLY mandated to ask for the ID AND SS .... i have read disclosured and printed them from Capital and the Federal Government and could not find such law
Consumer complaint received 2024-09-24
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. (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.
Consumer complaint received 2024-09-24
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

It's a letter from Bank of America indicating, a account ending in XXXX clearly states this noticeable provide you as a name account holder for a prepaid debit card previously issued to you by Bank of America in connection with benefits distribute by the state related state agency. There has been no debit card issue to me in reference to that.
Consumer complaint received 2024-09-24
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-06-20
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)

I've identified unfamiliar items on my credit report that suggest potential identity theft, as I did not authorize these accounts. I've raised this concern previously and now urgently request the removal of these accounts from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this issue has been challenging, and if unresolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are impeding my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX is claiming I owe them {$5300.00}. I don't know who they are. I have asked them to validate this debt with verification of my signature and they have not. At no time have they validated their claim pursuant to 15USC 1692e ( 809 ).

Please tell them to remove this false and negative reporting which is against 15 USC 1692 2 ( a )
Consumer complaint received 2024-06-20
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. (OH)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I called.chexsystem and explained that some one else information was on my report. The wrong phone number is on the account and I can not access my report. XXXX is compromised and I have identity theft and I asking that all information be removed from my report.