davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below :
Consumer complaint received 2024-05-22
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type XXXX Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. $ XXXX off. {$760.00} past due as ofApr XXXX. 
Status Updated XX/XX/XXXX Balance {$760.00} Balance Updated XX/XX/XXXX Recent Payment {$100.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 34 Months On Record Until XX/XX/XXXX This item was updated from our processing of your dispute in XXXX. 

However this debt is unknown to me and was sold to a XXXX party collector. 
XXXX, XXXX, XXXX, & XXXX it has been paid in FULL by a judgement XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Case Number : XXXX Settlement Amount : {$1200.00} Creditor : XXXX XXXX XXXX XXXX. 
Firm File Number : XXXX I have tried to contact XXXX, XXXX, XXXX, & XXXX for proof of settled account no reply. 

STIPULATED AGREEMENT was started XX/XX/XXXX for XXXX XXXXXXXX Total of {$1200.00} as of XX/XX/XXXX this has been completely settled. This account was never veriefied from XXXX but agreement with XXXX, XXXX, XXXX, & XXXX was made and paid in full. 

Please remove any and all bad reported marks on this account for XXXX or XXXX, XXXX, XXXX, & XXXX Thank you
Consumer complaint received 2024-05-22
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-31
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 purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Consumer complaint received 2024-05-22
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted onXX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-22
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. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXX XXXX  XXXX Balanced {$0.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-16
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : DEPT OF ED Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (CA)

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : ACIMA DIGITAL FKA SIMP. ( Account XXXX : XXXX ), Date Opened : XX/XX/2021, XXXX : {$2000.00}. XXXX the reporting of all fraudulent items immediately. I am not liable for this debt with ACIMA DIGITAL FKA SIMP. This account is fraudulent. I have attached a copy of my ID along with a copy of my FTC report. ( Please see attachments ). Please Cease reporting of fraudulent item immediately.
Consumer complaint received 2024-08-16
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 request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NM)

Dear PayPal Team I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. 

I believe that this limitation has been imposed in error. To the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have never engaged in any activities that could violate these policies, and I have always strived to maintain a clean and honest record with PayPal. 

In light of this, I kindly request that PayPal re-investigate my case thoroughly. I believe that upon review, you will find that there has been a misunderstanding or misinterpretation of my account activity, leading to this unjust limitation. I genuinely value my relationship with PayPal and would greatly appreciate the opportunity to clear up any discrepancies and restore my account to full functionality. 

I understand that PayPal takes its policies seriously to maintain a secure platform for all users, and I fully support those efforts. I am confident that upon further examination, you will see that there has been no wrongdoing on my part. I am more than willing to cooperate fully with any additional information or documentation you may require to resolve this matter. 

Thank you for taking the time to consider my appeal. I trust in PayPal 's commitment to fairness and transparency, and I hope for a swift and positive resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

I received my XXXX check to the Money Network Bank that is contracted by XXXX. {$900.00} was transferred to a personal account that does not belong to me. I filled a dispute, but they are still refusing to return my money. I have spoke to several employees including managers and supervisors and every single person has given me a different answer. There is no cohesiveness in the responses and they get very defensive when I asked them if it was an internal issue. I received no notification regarding a transfer being sent from my account. The Money Network accounts are suppose to have 2 step login, however I never received a text message with a code or anything. I asked for a receipt of the transaction and they refuse to provide it. They gave me the account and routing number where the money went, I called the institution where the money was sent and was told the account did not exist with them. I was also told that money couldn't be transferred to a third party account, however the money was sent to a XXXX account. I have tried multiple times to get updates on documents and proof I have submitted and the bank agents refuse to provide me any confirmation they received documents. They are now saying that they can not guarantee that I will be receiving that money. I am confused and angry on how this is happening. This is the only money I had for the next XXXX weeks. This incident occurred on XX/XX/24 and we are now 9 days in and they refuse to provide me any updates. They closed my account for fraudulent transaction and if I ever do get my money back, I will need to wait for it to be mailed. I am going crazy because my rent is now 9 days past due and I am in risk if being evicted. Please investigate this bank, this has been happening to multiple people. I contacted XXXX and they can not do anything about it. Please help me. It seems like a scam and they should not exist.
Consumer complaint received 2024-08-16
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. (NJ)

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I sent a letter on XX/XX/XXXX requesting the removal of the following items listed below that are unknown to me. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove the items within four business days of receiving my previous letter. I have already included this in my previous complaint and am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

I have disputed this with XXXX upon applying for a home loan was notified about this account. I disputed and XXXX has updated a collections account status as open that I already disputed was not mine. LVNV is inaccurately reporting on my credit report and XXXX is culpable.
Consumer complaint received 2024-08-16
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2024-05-23
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. (MI)

I originally submitted a dispute letter, of which I uploaded and attached to specific accounts that needed to be disputed. I mistakenly included some accounts in the dispute letter but I did NOT attach those accounts to the actual dispute. Equifax has since then blocked the accounts that were in the letter, although I did not attach those accounts to the actual dispute. I called Equifax, and XXXX XXXX told me to upload a reinsertion letter explaining that the accounts needed to be unblocked. When I tried to use the link sent by XXXX XXXX, I received a message saying that the link has been cancelled. I called back and spoke to XXXX who refused to re send the link, stating there is no way to unblock information despite the fact that the accounts were unblocked by XXXX and XXXX, and I was also told by another rep 2 hours prior that the accounts could be unblocked. 
Equifax is supposed to report information accurately. I am requesting that the accounts that were not attached to the initial dispute be reinserted as the company has updated the information accurately.
Consumer complaint received 2024-05-21
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,