davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-04
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. (TX)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX  Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency That I might be qualified for under Section 616 and Section 617 if the unverified things recorded underneath are not erase right away. A duplicate of this letter just a duplicates of the three composed letters shipped off you beforehand will likewise turn out to be essential for a conventional objection to the Federal Trade Commission and will be utilize as proof in forthcoming suit furnished you neglect to agree with this proposal of settlement. Regardless of three composed solicitations, the unsubstantiated things recorded underneath still stay on my credit report infringing upon Federal Law. You are needed under the FCRA to have a duplicate of the first banks documentation record to check that this data is mine and is right in the consequence of your examination, you expressed recorded as a hard copy that you checked that these things are being accounted for effectively? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a Purchaser contract with my mark on it ) as needed under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) Besides you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). Kindly be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA -- - you are needed to immediately DELETE all data which cant be confirmed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-10-04
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 BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Consumer complaint received 2024-08-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (CA)

Ive received multiple bills from XXXX XXXX XXXX XXXX XXXX addressed to XXXX XXXX with a balance owed. Ive lived in California since XX/XX/year> and my name is not XXXX nor do I know anyone named XXXX XXXX. I called this medical center from their number online and they said they have no record of the invoice or person/amount due and that this is a fraud. It has been going on for months and I received a recent notification from a debt collector claiming that XXXX owes the same amount. These notifications are harassment and I am concerned that my identity may have been compromised.
Consumer complaint received 2024-10-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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 2024-10-04
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 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (GA)

I went online to make full payment on XX/XX/year> around XXXXXXXX XXXX ET. The online system would not allow me to make payment. The online payment will allow me to make the full payment. Due to complications, I contacted citi by phone. 

I called in to make full payment. The representative would only allow a certain amount to be paid over the phone. I then would have to pay the remaining balance on the next day. 

I requested an adjustment be made as I could not make full payment over the phone nor could I go online to make full payment due to citi card system outage they were having online.
Consumer complaint received 2024-08-10
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. (NV)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-03
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. (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 2024-08-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

Amazon synchrony bank services lost my payments for my Amazon credit card with them. They said they investigating my payments that I sent proof from my bank that I paid. I have heard nothing back from them. They said the the investigation will take awhile and I cant use my Amazon card ending in XXXX. Amazon is also not helping with this offense. I paid XXXX the month of XX/XX/2024. They said they only received XXXX and XXXX. There are XXXX payments of XXXX received by them and paid by my bank on XX/XX/XXXX twice and XX/XX/XXXX. They have not given my any information since they started the investigation.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account, associated with the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies. I have been a loyal PayPal user and I have always strived to use the platform in full compliance with your terms and conditions. 

I kindly request that PayPal re-investigates my case thoroughly and impartially, with the hope of restoring my account to full functionality if no policy violations are found. I value the convenience and security that PayPal offers, and I rely on it for various financial transactions. 

If there have been any concerns or issues related to my account, I am more than willing to cooperate fully and provide any necessary information to expedite this process. I am committed to resolving any misunderstandings or issues promptly to ensure the trust and integrity of my PayPal account. 

I sincerely appreciate your attention to this matter and kindly request a swift response. I am eager to continue using PayPal as a trusted financial platform, and I believe that a re-evaluation of my case will demonstrate my commitment to upholding your policies. 

Thank you for your time and consideration.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (GA)

This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, 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.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

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 2024-09-17
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. (IL)

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-09-17
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. (GA)

XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX  but they have not taken any actions to remove this from my credit report. 

XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 the following unauthorized accounts and inquiries : 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
Consumer complaint received 2024-09-17
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. (IL)

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of idenity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$240.00}, XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$230.00} in account with XXXX XXXX XXXX XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent collections appearing on my FICO credit report. I demand that the afromentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-09-17
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.