davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (WI)

Dispute is with Marcus, an online bank of Marcus Sachs.

Several months ago I had a CD mature. The money rolled into a Marcus savings account. When I tried to transfer the funds to my local WESTconsin branch I was told the transfer could not be made. Initially they wouldnt give me a reason. After calling numerous times over several weeks I was told my phone was not registered in my name. Instead the phone came up as registered to a DECEASED PERSON!?! Therefore they were unable to send a verification text to my phone.. ( Because it wasnt mine I suppose.. ) I provided everything they asked for : last 4 digits of SS, birthdate, and secret word. Nothing! I was left with providing the same information over and over and receiving nothing but phone script in reply. Finally a person on the second or third tier gave me the info about a deceased persons phone. He sent me a form to be notarized verifying my identity. The form was filled out and notarized and returned to Marcus. That was at least two weeks ago. Since then bupkus. Nothing, zilch, nada. Not a word of explanation. Please note this is not about a bounced check, or phony deposit. This is my money from a mature CD that they refuse to release. And really crummy customer service I might add. Nobody offering phone calls or any explanation or making any attempt at resolving the issue.
Consumer complaint received 2024-01-29
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 deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  Balance : - XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-01-29
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 resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.
Consumer complaint received 2024-01-29
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 a follow up to my previous complaints that I have repeatedly requested that EQUIFAX provide me my personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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 concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IQOR US INC (WA)

I declared XXXX XXXX XXXXXXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX. XXXX claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$XXXX}, the cost of attending the XXXX XXXX XXXX XXXX was {$XXXX}, I graduated in XXXX and made payments until XXXX XXXX. The amount owed does not include federal loans also used To pay for attending which total {$XXXX}. XXXX has ruined my credit score in reporting that I have not paid them. As the XXXX XXXX XXXX XXXX was one of many for profit schools listed in the Attorneys general lawsuit against XXXX for defrauding students through predatory loans and they should have been discharged undeXXXX XXXX and or the Holder rule. Allied interstate has continued to try and collect this debt.
Consumer complaint received 2024-01-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I was never late... XXXX made an error with my address and sent the statement to the wrong address. They said they would remove the negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2024-01-29
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (GA)

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. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-01
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. (NJ)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (TX)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and this account on the credit report is incorrect. 
DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX Balance Owed : {$7700.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This was never late. XXXX XXXX XXXX made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in questionXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (OH)

Someone tried to use my credit without my consent all on the same day for some type of financing. Before this I had XXXX ABSOLUTELY XXXX  HARD INQUIRIES. Please help remove this fraud off of my ACCOUNT PLEASE!!! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
Consumer complaint received 2023-09-27
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. (NY)

I compose this complaint while grappling with an overwhelming blend of dismay and indignation that any individual in my circumstances would undoubtedly experience. I am absolutely shocked by the astonishing and unjust rejection of my identity theft claims by your organization, despite my provision of substantial evidence in the form of an FTC report. The Federal Trade Commission ( FTC ) has acknowledged the legitimacy of my claims. I have diligently followed all proper procedures, and it is inconceivable that your organization persists in disregarding the law and my rights as an identity theft victim.I will not hesitate to enlist legal representation to ensure that your organization is held accountable for its negligence, please remove these accounts : XXXX XXXX XXXX & XXXX XXXX  XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX XXXX. Understanding the importance of accurate credit reporting, I appreciate your attention to this matter and request an update to my credit report accordingly.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised that XXXX XXXX XXXX XXXX XXXX was reported as a fraud account with and has completed an FTC report which is attached. Said company had XXXX XXXX according to LAW to remove such report. Consumer is now requesting that EQUIFAX remove XXXX XXXX XXXX XXXX XXXX immediately. EQUIFAX has XXXX XXXX to provide me with documentation used, signed application with consumer wet ink signature, consumer is not asking for XXXX report. If EQUIFAX does not have documentation to show these were in fact authorized, it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commissions file number 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 I will be filing from XXXX XXXX XXXX forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-01-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I vehemently dispute the XXXX XXXX  account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX 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 2023-07-27
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: EQUIFAX, INC. (CO)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX