davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have reached XXXX to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed XXXX, XXXX, and Equifax that the following accounts are not mines. They are ; XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As a responsible consumer, I have always kept a close eye on my credit reports and scores. Recently, however, I was shocked to discover an account from Capital One on my credit report that I have no knowledge of and never opened. Despite repeated attempts to dispute this account with XXXX Bureau and the FTC WEBSITE, but still, it has remained on my credit report, causing significant damage to my credit score. I have taken all the necessary steps to prove my innocence, including attaching my ID/Driver 's license, partial credit report, and FTC Identity Theft Report, ( In my attached FTC report XXXX you can observe that I have mentioned filing a dispute several times with Capital One in my personal statement. ) and even a police report to support my claim. I am confident that with your help, we can correct this error and remove this account from my credit report.
Consumer complaint received 2024-05-30
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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)

What happened : Unauthorized hard inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and several of its provisions. 

Unauthorized Hard Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX  - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX XXXX - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports.

Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-11-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX cents was paid to citibank mastercard for XXXX  XX/XX/2023 and they stole my money and never credited my card i called them and sent several emails for over XXXX  days and they have ignored all of my calls and been charging me over XXXX percent interest with late fees for this accounr
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (MS)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he was working for PnC which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (TX)

XXXX XXXX is the worst Financial Lender. Incorrect info reporting to the credit bureaus. Status of Account is Voluntary Surrender but called Mercedes Benz Financial and they say the account is suppose to be closed as Early Termination. They have promised to fix this issue but as yet to do so. Its been 6 months. This as caused my credit score to drop 100 points. As far as Im concerned I have know knowledge of this account or what its reporting like this.
Consumer complaint received 2024-09-03
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (TX)

XXXX XX/XX/2023 request for the inquiries to be deleted XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XXXX XXXX XXXX  XX/XX/2023 request inquiries to be removed XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XX/XX/2023 requesting that all these inquiries be removed Was any personal information wrong in your credit report?

When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion dispute regarding an inaccurate account balance on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX 

Dear TransUnion, I am writing to formally dispute an inaccurate account balance reported on my credit report.I reviewed my credit report and found that the account listed below has an incorrect balance XXXX XXXX  account balance is wrong. The remaining balance is not {$290.00}. the remaining balance is XXXX Please correct this matter promptly. 

I will attach a screenshot showing the remaining balance. 

Please correct my account balance accordingly. I would appreciate your prompt attention to this issue and request that you send me a written/email confirmation of your findings and any actions taken. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the XXXX stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (MA)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2024-05-11
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. (VA)

On XX/XX/2024 I mailed out a dispute to Equifax regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. SeeXX/XX/XXXXin attachments below. Equifax received my dispute letter on XX/XX/2024 certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. See XX/XX/XXXX( which also shows the numerous attempts to remedy this dispute ). 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXX speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XXXX XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items pursuant XXXX XXXX XXXX Equifax failed to respond in the satisfactorily time allotted by law furthermore, Equifax has not responded or sent any correspondence at all to my last dispute letter. 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXXXX/XX/XXXXstates that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation required (XX/XX/XXXX In general Subject to subsection (XX/XX/XXXX and except as provided in subsection XX/XX/XXXX, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-11
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 was looking at my report and notice there were some things that was not correct. I sent a letter to Equifax on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, XXXX still haven't responded to my letter. That a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( XXXX ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX They are reporting false information on my credit report, i never had third debt or did business ever in my life. When I called to find out more information about this debt o was told a third party ( true accord ) ( XXXX ) XXXX XXXX has the debt whom i never did business with
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

The account XXXX is reporting a balance of {$XXXX} to the credit bureaus and it was discharged in bankruptcy. According to the chapter bankruptcy law a bankruptcy discharge is granted by the bankruptcy court to release the debtor permanently from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The debtor will usually automatically receive a discharge, excepting there is litigation inv

olving objections to the discharge. The discharge prohibits the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor. If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. A creditor can be sanctioned by the court for violating the discharge injunction.

I am requesting for Wellsfargo to put the balance at 0 because I am not liable for this debt.
Consumer complaint received 2024-05-29
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.