davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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 dissatisfaction and concern regarding the several unsuccessful attempts to remove fraudulent items from my credit file. Despite several reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 
Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (AZ)

The response from the title company is not correct. The lender did NOT instruct them to hold my money for 3.5 years. Additionally, since they are responsible for paying the taxes, they should know after a reasonable amount of time ( 3-5 months ) that the check was not cashed ( show me proof of a check that was generated and mailed to the state treasurer. ) I attached the record and you can see no payment was received when due in XX/XX/XXXX until XXXX of XXXX ( when XXXX my lender made the payment to catch up back taxes ). this caused my escrow to go negative and my monthly payment to go up to replenish my escrow. 


I demand some resolution for damages. There is no excuse to keep my funds that long I would like accounting from the title company that was obviously caught in an audit. There are monthly and annual audits this should have been addressed years ago!
Consumer complaint received 2023-11-08
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 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 than 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.
Consumer complaint received 2024-01-19
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 was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not familiar with these companies.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

CFPB XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the Equifax data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from Equifax ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that Equifax has admitted that I was one of the victims in the data breach and Equifax has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've reported unauthorized fraudulent accounts to identitytheft.gov. Associated banks, unable to provide records, confirmed the report 's validity and pledged immediate removal. 
Accounts to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I called to delete authorized inquiries on my credit report today XX/XX/2023. Theres 12inquiries. The rep XXXX from Experian refused to help me. The number I called for Experian was XXXX ( XXXX ) XXXX .Heres a list of the inquiries I want deleted from my report : 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)

I was a VICTIM of Identify Theft and my information was sold due to the EQUIFAX DATA BREACH between XX/XX/2022 and XXXX. It cost me XXXX  XXXX ( XXXX ) in total in hours lost time spent, new accounts made and work lost due to the breach.
Consumer complaint received 2024-06-25
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. (CA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, {$98000.00} Charged off ( C/O ) XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, {$100000.00} Charged Off ( C/O ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX recently ( in XX/XX/2023 ) closed a XXXX XXXX XXXX XXXXXXXX account based on information contained in my credit report on other non XXXX  accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX. As per the FCRA XXXX must send proof that I gave written consent to report the XXXX XXXX XXXX XXXX account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other non-XXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.
Consumer complaint received 2024-01-19
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. (VA)

This is regarding the XXXX XXXX XXXX account. On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. The company that I paid for the debt was not the creditor listed but a company called XXXX XXXX XXXX XXXX  To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXXXXXX XXXX XXXX 

Please refer to 15 USC 1681 : where it states that consumer reports must be accurate. I am reporting to you an instance of inaccuracy and it is not being removed. This information is not correct and thus be removed Furthermore, a 1099c has been filed on this account which makes it income for me and income can not be reported as a collection account. 

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information.
Consumer complaint received 2024-06-07
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. (GA)

Over 90 days ago I sent letters to TransUnion, XXXX, XXXX asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After reviewing my consumer report Ive noticed this account reporting negative information. Ive disputed this account and it came back verified and accurate. I recently did a complaint with CFPB. In which they replied that they couldnt get in touch with company also. This has to be a mistake on your end.
Consumer complaint received 2023-06-09
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. (SC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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. (GA)

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.
Consumer complaint received 2024-01-19
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. (TX)

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-06-06
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: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by Experian, XXXX, and XXXX, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to Experian, XXXX, and XXXX every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.