davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to follow up on my previous complaint regarding fraudulent items on my account. Despite making XXXX attempts to resolve this issue, the fraudulent items have not been removed, and the matter remains unresolved. Since then, I have made XXXX attempts to get these items removed. I have attached copies of all relevant correspondence and documentation for your reference. By this lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$240.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/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 : {$1500.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-15
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. (WA)

Per the XXXX as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to XXXX XXXX from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2024-07-15
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. (MD)

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding several fraudulent items that have been reported on my credit report. Despite my multiple attempts to address this issue, it remains unresolved. I have made XXXX attempts to correct the inaccuracies on my credit report related to fraudulent activities.. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please respond within the exact timeframe confirm that these corrections have been made or to provide an explanation if further investigation is required. I am now asking for your help to correct the accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$73000.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 


XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the presence of fraudulent charge-off and unauthorized collection accounts on my credit report, which have appeared without my knowledge or authorization. After reviewing my credit report, I discovered these accounts that I believe to be the result of identity theft or other fraudulent activities. I am providing detailed information below to aid in your investigation. 
Account Information : XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I have no knowledge of the accounts mentioned above, and I did not authorize any transactions or credit agreements associated with them. It appears that my personal information has been compromised, leading to the creation of these unauthorized accounts. I have taken immediate steps to report this identity theft to the appropriate authorities. 
I kindly request that you conduct a thorough investigation into the origin and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I am aware that the FCRA requires credit bureaus to investigate disputes within 30 days of receiving a consumer dispute, and I urge you to adhere to this timeline. 
If your investigation reveals that these accounts are indeed the result of fraudulent activity, I request that you promptly remove them from my credit report to mitigate any negative impact on my credit standing. Additionally, please provide me with an updated and accurate credit report reflecting the removal of these unauthorized accounts.
Consumer complaint received 2023-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Response to your 3rd Party Letter of Treat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX From : XXXX XXXX XXXX, ESTATE c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : IC SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX Dear 3rd Party Collector, As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX XXXX XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.

Thank you for your time and have a nice day. 
Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-15
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. (GA)

I am writing to follow up on my previous complaint regarding the issue of late open accounts on my credit report. Despite making two attempts to resolve this issue, the matter remains unresolved. I noticed that there are incorrect late open accounts reported on my credit report. Since then, I have made two attempts to get these inaccuracies corrected. I have attached copies of all relevant correspondence and documentation for your reference. Given the lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me correct the following accounts : XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00}.
Consumer complaint received 2024-07-15
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. (DC)

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. Whos studying computer science help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-15
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. (LA)

I am filling this complaint again... to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-15
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. (MD)

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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-15
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. (MS)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-15
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)

XXXX. On XX/XX/XXXX : DATE OF 1ST DELINQUENCY reported. This should start the time clock XXXX. On XX/XX/XXXX, Equifax generated a credit report including Payment Status as Charge-off XXXX. On XX/XX/XXXX, Equifax generated a credit report including Date of first delinquency as XX/XX/XXXX. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THE DISPUTED INFORMATION HAS BEEN VERIFIED AND/OR UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS *TYPE OF ACCOUNT *PAST DUE *DATE OF XXXX DELINQUENCY. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THE DATE OF LAST ACTIVITY HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ACTIVITY DESIGNATOR. Account XXXX with XXXX Codes had been included. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. 
XXXX. On XX/XX/XXXX : The account should have been removed from the credit report as it has been XXXX years since the DATE OF XXXX DELINQUENCY on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ), Equifax completed their reinvestigation with the result stating THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. Shows Date of Last Payment as XX/XX/XXXX, no Date of XXXX Delinquency, includes under Additional Information Account Paid for Less than full balance
Consumer complaint received 2024-07-15
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (AL)

this debt collecter engaged in abusive deceptive and unfair practices of the FDCPA which it prohibits.they furnished this account that we didnt agree upon and i didnt sign agreement on XXXX contract is signed by two parties and i did not particioate in any of ti.More so they didnt follow the proper 5 step validationprocedure which makes this unfair practices.
Consumer complaint received 2024-07-15
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 recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts :XX/XX/XXXX{$550.00} XX/XX/XXXX{$800.00} XX/XX/XXXX{$420.00} XX/XX/XXXX{$710.00} XX/XX/XXXXXX/XX/XXXX {$410.00} XX/XX/XXXX {$1800.00} XXXXXX/XX/XXXX
Consumer complaint received 2024-07-15
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. (NJ)

This is my multiple compliants Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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
Consumer complaint received 2024-07-15
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. (NJ)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. 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 2024-07-15
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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This is my second formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX .Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX. XXXX XXXX XXXX XXXX Account : * Date : XX/XX/XXXX * Issue : An account with XXXX XXXX XXXX XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX. XXXX XXXX XXXX * Date Opened : XXXX, XXXX XXXX * Issue : A collection account with XXXX XXXX XXXX, is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 
XXXX. 
Inquiries Related To Identity Theft : 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