davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (OH)

I recently checked my updated personal credit report and I noticed the unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And your investigation is complete, you find my allegation to be true, please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-26
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-02
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. 
Clear communication regarding the steps that will be taken to correct the account. 
A timeline for when I can expect the fraudulent items to be fully removed. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The items listed below are reported on my personal 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/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: Experian Information Solutions Inc. (NJ)

After reviewing my consumer report I've noticed that Experian is reporting inaccurate information and accounts that are under multiple violations. There is personal information that's reporting that doesn't belong to me which shouldn't be reporting. I reached out to the creditors that's reporting these accounts and asked them to verify this debt and mail me any documents that prove these debts belong to me. How can I owe a debt if there was never a mutual agreement set in place? I am aware that in order for anything to accurately report to my consumer report, the information must be verifiable in which i'm asking Experian to thoroughly investigate my dispute letter and remove anything that can not be properly verified. I never gave the companies reporting this information the consent to obtain nor share my personal information with anybody which is a violation of my right of privacy. Included in my complaint is a copy of my dispute letter that Experian must investigate and update. I understand that it is Experian 's duty to do what's fair and equitable for me as a consumer in which reporting inaccurate and unlawfully accounts and information. Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-05-27
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)

The items listed below are reported on my personal 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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. 
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/year>
Consumer complaint received 2024-05-25
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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-24
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following accounts are fraudulent and are reporting on my credit file. 

XXXX ) XXXX Account # XXXX. AmountXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$480.00} XXXX XXXX XXXX XXXX XXXX Amount {$1200.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. 

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

On XX/XX/year>, I faxed a debt validation letter to IC Systems ( see attached fax confirmation ), but never received a response. It has been 30 days and because there was no response, I am now requesting this account be removed from my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (MD)

I am filing a complaint regarding inaccurate information reported by Checkr on my background report. The report contains false information provided by XXXX XXXX XXXX, which has negatively impacted my employment opportunities. 

Dates and Incident Description : - On XX/XX/XXXX, I discovered inaccurate information on my Checkr background report. 
- On XX/XX/XXXX, I submitted a dispute to Checkr via their online platform, providing evidence to support my claim. 
- On XX/XX/XXXX, I followed up with an email to Checkrs customer support, reiterating my dispute and attaching additional documentation. 
- On XX/XX/XXXX, I received a response from Checkr stating that they would not remove the inaccurate information despite the evidence provided. 

Evidence Provided : - Court records from XXXX XXXX XXXX showing the case outcome and proving the reported information is false. 

- XXXX documents from XXXX XXXX XXXX confirming the inaccuracies. 

- Copies of all email communications with XXXX and XXXX : The false information on my background report has resulted in several lost job opportunities, causing financial hardship and undue stress. Despite providing clear evidence, Checkr has refused to correct the inaccuracies, leaving me with no other recourse but to file this complaint. 

Actions Taken : - I contacted XXXX XXXX XXXX to request correction of the false information. 

- I submitted a formal dispute to Checkr with all necessary evidence. 

XXXX XXXX : Checkr has refused to remove the false information from my background report despite the clear evidence provided. This refusal violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of information in consumer reports.
Consumer complaint received 2017-07-01
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: EQUIFAX, INC. (WA)

On  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!
Consumer complaint received 2024-05-02
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. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Consumer complaint received 2017-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

I received a copy of my credit report in  XXXX  and have been requesting verification of items on my credit report. I went through the credit bureaus to request verification for these this item on my credit report - i received NO RESPONSE from this creditor, but received their contact information from the credit bureaus. After sending the letter attached to the creditor themselves, the response that they sent me in no way verifies that this item is mine. We have always had health insurance, and i never received a bill for this item prior to requesting information after it was reported negatively on my credit report. I do n't recall ever ever being to this facility. The timing of this also does n't make sense - it has me at the same place wit hin two weeks of another. I think i would remember being to a hospital almost 2 weeks i n a row. I think that someone made a mistake and this is not mine. I also do n't see how sending a bill verifies. Is it not possible that this belongs to someone else?
Consumer complaint received 2024-05-09
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)

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX