davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I sent Equifax a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from Equifax, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a XXXX XXXX XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from Equifax not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my Equifax credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from Equifax.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I received a bogus invoice from PayPal Coinbase, INC for {$490.00} regarding a non-existent XXXX ( crypto ) currency purchase or withdrawal. 

I do not have a XXXX or PayPal account. 

The transaction ID number is XXXX. 

Please let others know about this SCAM. 


THANK YOU!
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NH)

Email sent to XXXX from PayPal a billed amount totaling {$320.00} to pay for XXXX XXXX XXXX  1 year for ten devices On XX/XX/year> Company send invoice XXXX Order number XXXX Amount paid {$320.00} Using PayPal help XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States This letter a verification process a charge was made etc They PayPal security XXXX XXXX did this bogus scam. 
Over 1 hour wore me down saying about other online bitcoin could be used went through many and my bank. It was listed XXXX XXXX XXXX. On PayPal listed. 
No money in that account I opened but never used years ago. In XXXX XXXX name. My email is XXXX. XXXX Told me had to see where what account this happened made me create account online but etc then had to ask for my debt card in order for them to put money in to test. Did I receive it in them I said no so asked for debt card etc. said I had to enter amount on invoice so they could withdraw it. Told me no call banks cause they are PayPal experts in this only they can fix it. Asked if I had account with XXXX XXXXXXXX I said no. 
I tried to not do debt many times they argued it was nesseary no worries your safe with us. 
I then tried to call PayPal did internet search on XXXX! XXXX. And XXXX called XXXX and got this. Scam artist I explained him. And at end of conversation even gave me his number I mentioned. XXXX call me back in 24 hours just sit n wait dont call anyone.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I just recently looked at my credit report on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXXXXXX XX/XX/XXXX, This inquiry has XXXX permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX XXXX XXXX ( b ). 
XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX ( b ). 
XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX  XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXXXXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
Equifax information services XX/XX/XXXX ( XXXX ). This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
Equifax XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due violation XXXX XXXX XXXX ( b ).
Consumer complaint received 2024-08-05
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX 90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX  Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Consumer complaint received 2024-08-04
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. (FL)

THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.
Consumer complaint received 2024-08-04
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. (FL)

I'm terribly worried about the preciseness and validity of your recent investigation of these accounts that are on my credit report. About a month a I asked for an investigation because I felt the items were being reported illegitimately. Shortly after that I received a letter stating that your investigation was completed. Did you even read the previous letter? Please explain to me how you conducted your investigation! 

Please I need you to send me my complete credit report as required by the Fair Credit Reporting Act to my home address. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX Fraudulent balance : {$8800.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 



XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX XXXX  Account number : XXXX Fraudulent balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any XXXX, or any other means of automated verification. 


XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. This account has been paid correctly and has never been in late payment. 
Please immediately remove these XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ) days delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is reporting incorrect information as the correct balance is {$2800.00} Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.
Consumer complaint received 2024-09-16
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
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)

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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 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 XXXXXXXX
Consumer complaint received 2024-08-05
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. (OH)

Please delete it [ 's been a month since a send my dispute XXXX  XXXX VIA DEALER Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX VIA DEALER Date of inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX MEDICAL Account Number : XXXX MEDICAL Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-04
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

on XX/XX/year> I received a copy of my consumer report with accounts furnished fraudulently. The consumer reporting agency has failed to investigate my credit report multiple times. I have been a victim of Identity theft like I stated in my prior communication. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. No evidence has been provided to me to validate these accounts in question. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information.he accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts shall be removed.
Consumer complaint received 2023-03-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
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. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.