davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In keeping with the Fair Credit Reporting Act, I am asking that my claim be investigated and any unauthorized inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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 contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of XXXX XXXX for which I have filed a formal report with the XXXX XXXX XXXX Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the XXXX XXXX  report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 


XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To Equifax, XXXX & XXXX, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXXXXXX XXXX that has glaringly appeared on my consumer reports with Equifax, XXXX, and XXXX. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. 

The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies. 

I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted. 

This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. 

I demand that Equifax, XXXX, and XXXX, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, Equifax, XXXX, and XXXX XXXX XXXX can and will be held civilly liable. 

I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. 


Thank you for your immediate attention to this matter. 

Done in good faith.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really worried about seeing this late payment on my account because I've always paid on time. It's XXXX  me out a lot, so I'm asking you to fix it by removing it as soon as possible.
Consumer complaint received 2024-01-19
Product: Debt collection — Other 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 bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-01-19
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$250.00}.
Consumer complaint received 2024-04-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

On XX/XX/year>2024 I got a copy of my credit report and noticed that there was some accounts listed fraudulently and inaccurately. I have notified the consumer reporting agencies to start an investigation because these accounts do not belong to me. I never received a response and that is a violation of the FCRA and FDCPA. I have never conducted business with these companies nor have I ever entered into a consumer contract and I believe that the furnishing of these accounts violates my rights as a consumer. These are the accounts I am referring to : XXXX XXXX XXXX XXXX Also I was never late on this account XXXX  XXXX so I should not have any late payments reflecting on my report. I have provided screenshots of the XXXX account being deleted from all 3 reporting agencies and somehow is was placed back on without my knowledge. I have also included my FTC complaint along with my Identification to support my claim.
Consumer complaint received 2018-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  Student loan # XXXX reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
Consumer complaint received 2024-01-24
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-03-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has not provided any reason to why an California All Purpose Document why it was sign by a notary that states I personally appeared and as self but a Notary sign my signature. Wells Fargo Home Mortgage has not explained to why the document was sign by a notary but Wells Fargo Home Mortgage has not explained to why they state that's my signature when in fact it is not my signature nor was anything give to me prior to the Document being the all purpose that stated anything about power of attorney or corrections. There was nothing that has any other document that I gave any notary or wells fargo home mortgage permission to make any consent to a such document to make the instrument a legal binding agreement.

wells fargo home mortgage has not or want justify my signature and why some one forged my signature. Wells fargo mortgage has yet to get any document company to certify that it is or not my signature legally. its been nothing but fraud committed by wells fargo home mortgage.
Consumer complaint received 2023-09-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have received Amex gift card, I start using it online and in store sometimes it works sometimes is not, so later it stop working in any stores or online purchases I ask the company for help but they just told me that everything is fine with my card and I can use anywhere besides XXXX. But it actually not works even if I have a balance over XXXX XXXX
Consumer complaint received 2023-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC (TX)

Mortgage company is suiting a wrongful foreclosure. The company would not allow payments to be made and have no physical building. The property went on forbearance during the pandemic and instead of allowing payments they wanted the entire forbearance. The company then approved a loan modification but immediately after filed a foreclosure during that 37 day wait frame of underwriting, the house is now being auctioned and wrongfully so. We have all intent of paying the mortgage but have been offered no solutions as to how. The home was involved in a divorce and the bank refused to speak with me even though I am on the loan and the legal owner of the home. 

No resolutions and taking the home without proper protocol.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX lawsuits in XXXX They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX XXXXsnt sending them information because they are collecting loans that were dismissed by a lawsuit.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have an issue with personal information, Former or current employers, address & current employers not been up dated. Remove the correct information on my report. It has been now since XX/XX/XXXX and still information not updated or correct have sent in check stubs, XXXX   forms showing employment with the same company for over 2 years in half and as of this date not corrected and updated. this makes no sense on something this simple. I have also experience added or made up address and information not corrected on my file since XX/XX/XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I saw they had XXXX different names on my report, with different spellings. They have XXXX different addresses ; some I've never lived. They have XXXX different employers on my report. They still have my ex-husband listed on my account, ( I been divorced since XXXX ) and XXXX different telephone numbers. I sent a letter to them with instructions and proof of information showing my current address, name and phone number. I informed the CRA 's of my current employment. The letter was sent on XX/XX/XXXX, CRA 's still have not cleaned up my credit report. After sending a second letter to one of the CRA 's providing them additional information that they requested, I sent the information, and I received a second letter asking for the same information all over again for the third time. I need all the inaccurate information removed off my credit report immediately.
Consumer complaint received 2018-03-26
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. (HI)

I am writing to file a formal complaint against Equifax, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Equifax has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Equifax, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Consumer complaint received 2024-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I received a letter from IRS stating The mortgage company ShellPoint bought mortgage XXXX ) indicated I owed IRS money because I lied to XXXX XXXX ( XXXX ) about being on XXXX XXXX while I was a XXXX. They called me at the time to say that and I lied and I tried to send them my XXXX but they wouldn't take them. 

I have over 7 years of consecutive orders, I am a XXXX with a XXXX XXXX. We lost the house because of my husband 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). He XXXX XXXX XXXX. 

Now the IRS is quickly putting fees on money ( {$3000.00} up to {$4500.00} ) I shouldn't owe.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

Subject : Request to Delete Illegally Acquired Accounts from Credit Report Dear Consumer Financial Protection Bureau ( CFPB ) Support Team, I am writing to seek urgent assistance regarding the illegal inclusion of certain items in my credit reports. As a victim of the Equifax data breach, my personal information was sold and obtained unlawfully, thereby resulting in inaccurate entries on my credit reports. I have attached proof indicating that Equifax has taken no action to address this matter. I humbly request your immediate intervention to have these unlawfully acquired accounts effectively deleted from my credit reports.

Below is a list of the accounts that should be removed from my credit reports : XXXX XXXX XXXX XXXX Opened : XXXX Amount : {$1700.00} XXXX XXXX XXXX XXXX Opened : XXXX Amount : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Opened : XXXX Amount : {$6500.00} XXXX XXXX Closed on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX  Closed on : XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on : XXXX XXXX XXXXXX/XX/XXXX It is of utmost importance for me to have these erroneous entries removed from my credit reports, as they significantly impact my creditworthiness and financial well-being. I believe these items were included illegally due to the Equifax data breach, and I request your assistance in rectifying this matter promptly.

I kindly request the CFPB to investigate this issue thoroughly and take appropriate action against Equifax for their inaction. Additionally, I urge you to work with Equifax to ensure that these illegal accounts are promptly deleted from all my credit reports across the major credit bureaus.

Thank you for your attention to this urgent matter. I am hopeful that with your assistance, these inaccuracies can be rectified swiftly. Please let me know if there are any additional steps or documentation required. 

Sincerely, XXXX XXXX