davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Collection account from LVNV FUNDING with account # XXXX and a balance of {$400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I am a victim of identity theft and this debt is not mine. 

Collection account from LVNV FUNDING with account # XXXX and a balance of {$800.00}. The original creditor is XXXX XXXX XXXX XXXX 
I am a victim of identity theft and this debt is not mine. 

Collection account from LVNV FUNDING with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX. 
I am a victim of identity theft and this debt is not mine. 

This is what i sent in and Its still on my credit report. I am a victim of identity theft.
Consumer complaint received 2024-05-17
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)

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXX XXXX XXXX : {$2200.00} XXXX  XXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account # : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$27000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-17
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 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 XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PR)

Since XX/XX/2022 Equifax deleted almost all of my accounts from their report without any explanation. At present their report is only showing one credit card and I have over five. Is not showing my present address. I have tried sending complaints thru their website and called also but was unable to work thru their verification process for unknown reasons. In my XXXX report I can see 27 accounts of which Equifax only shows 3, of which 2 are close as of today.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

What must I do for your company to stop ignoring me? This is just so neglectful. I am a concerned citizen whose credit scores are affected because you can not verify these items and do not even take your time to delete them since they are all inaccurate.a
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.
Consumer complaint received 2022-05-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GU)

I applied a XXXX Account at HSBC XXXX XXXX. I met all the criteria and waiting for a meeting call. I ended with a declined email from XXXX XXXX. 

I just want to open an XXXX XXXX account and transfer all the stock fund compounded since the year 2000.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NY)

Okay so on XX/XX/XXXX I was supposed to have a check deposit into my credit karma account and this was from my job on XX/XX/XXXX that Thursday the check was deposited to my account and immediately taken out the account was take the account was emptied I had a deposit of {$1700.00} that was taken out of my account it was taken from someone or somewhere in XXXX XXXX or some XXXX country and I already spoke to someone at credit karma on the XXXX and told them that I keep getting calls stating that fraudulent activities is trying to be you know done with my account I couldn't verify it with the call that kept coming in so I called them and credit karma said your account is fine there is no fraudulent activities being shown on your account then that night around XXXX I see my check was deposited on the XXXX on the XXXX the XXXX was the day that I went to wake up and I see my whole check was negative it was already taken out but somebody in XXXX I sat there and I called them that morning and I told them what happened they said they was going to put a dispute in I called them that Thursday that Friday and that Saturday so the XXXX the XXXX the XXXX all three days I called them and only on the XXXX that I get information about them actually doing this dispute so I gave them all the way up to this week which is now the XXXX of XXXX and they are saying that they're not going to refund my money cuz they couldn't dispute the transaction I live in XXXX  XXXX  XXXX I work online and company called XXXX I do not live in XXXX I do not feel like they really did a thorough investigation and they are now denying me my {$1700.00} back that was not authorized by me to be taken out of my account
Consumer complaint received 2024-05-17
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)

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00}.
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX b ) XXXX XXXX Equifax Account # : XXXX Account Type - Detail : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$27000.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-17
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX this inquires are fraudulent obtain by someone who stolen my identity 'to obtain credit, improper use of credit
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

In accordance with the Fair Credit Reporting Act this creditor CITICARDS CBNA XXXX XXXX XXXX violated my rights to privacy. Under USC 1681 Sec. 602 states I have the right to privacy. 15 USC 1681 Sec. 604a. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666b. a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-17
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. (NV)

I am submitting a request for your assistance in removing a charge-off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge-off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/2020 XXXX Balance : {$4500.00}. I am requesting that you investigate this matter and take the necessary steps to remove the charge-off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that this account is in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-16
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. (NC)

PLEASE DELETE ALL NEGATIVE ACCOUNTS AND INQUIRIES XXXX XXXX LENDING Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-05-17
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. (CA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries and wrong address, and XXXX unrecognized phone numbers on my credit report, and also i don't have a access to my XXXX account some reason my login information didn't match i also attached IDtheft report. 

XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 XXXX XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unrecognized address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unrecognized XXXX numbers XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the XXXX  documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( XXXX ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Consumer complaint received 2024-06-04
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. (TX)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-07-01
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. (AZ)

I was reviewing my credit report and noticed some inaccurate information on my credit report. When I disputed with your company you said it was validated with false/inaccurate documentation. I have filed an ftc identity theft report. I demand that these accounts be removed or else I will have to pursue legal action against your company as these need to be removed immediately.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.