davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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 writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting XXXX. 

XXXX. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect XXXX. XXXX XXXX XXXXaccount terms inaccuarate, payment history incorrect, balance incorrect XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history XX/XX/XXXXaccount number XXXX account terms inaccaurate. payment history incorrect and missing XXXX account number XXXX account information incomplete and incorrect and missing
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Cashapp username $ XXXX scammed me of XXXX dollars all I know is her bank which is XXXX  XXXX XXXX and her last 4 of her debit card which is XXXX and her XX/XX/XXXXXXXX. I also lost XXXX to a fake cashapp representative who hacked my phone and stole XXXX from my XXXX XXXX  XXXX account through the app XX/XX/XXXX. All I know is this person 's phone number and email XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THESE ACCOUNTS WERE OPENED ILLEGALLY WITHOUT MY CONSENT. I NEVER SIGNED A CONTRACT WITH ANY OF THESE COMPANIES. 
XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX  XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX  xxxxxxxx XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$6200.00} 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 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.

15 U.S.C. 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that is from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 90 days and you are in violation of the law because I am a victim of identity theft!
Consumer complaint received 2024-05-02
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 am writing to formally dispute and request the correction of inaccurate late payment entries appearing on my credit reports from Equifax. This late payment is inaccurately reported and negatively impacting my creditworthiness. 

Upon reviewing my credit reports from each of your bureaus, I discovered this inaccuracy : XXXX XXXX. 

I want to emphasize that this late payment is not reflective of my actual payment history with the respective creditors. This may has been extenuating circumstances or errors that led to this late payment entries, but this is not accurate representations of my financial responsibility. 

I am entitled to accurate and up-to-date information on my credit reports. Therefore, I request that your bureau conduct a thorough investigation into this inaccurate late payment.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX 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 2024-01-12
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. (MO)

On or about XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2023 also TransUnion, XXXX, XXXX did not have my consent to report information on principals consumer report pursuant to 15 USC 1681 b ( a ) 2 Permissible purpose of consumer reports, and 15 USC 6802 ( b ) ( 1 ) ( b ) which they are in direct violation of my rights.
Consumer complaint received 2024-01-13
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. ()

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-02
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)

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiry that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRY! 
XXXX XXXX XXXX, 2024
Consumer complaint received 2024-05-03
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (KS)

In XX/XX/2023, Citibank froze my savings account. Claiming that it was inactive, even though I had just deposited money in it in XXXX. The nearest branch is XXXX miles away, so the only way to contact them is with their customer service number. I have called over 25 times in the past 7 months, for help to get access to my account. They say there is nothing that their department can do. They gave me an address and script to say to another department in TX. I have send multiple letters in the mail. The last one I decided to get it certified and signed, which they received in XXXX. Still no response. I've called again and again explaining that the TX office is not helping, but still nothing is done. I just want access to my hard earned savings and to close my account.
Consumer complaint received 2024-05-03
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. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023, my wallet and phone were stolen from my vehicle. There is a police report with my local PD made on this situation. There was XXXX taken out of my account and made to XXXX XXXX sports book, the merchant is refusing to give me a refund and chase bank is not deciding in my favor as of now.
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

A company on my credit report named Portfolio Recovery is not mine. Per XXXX the original creditor is XXXX XXXXXXXX XXXX. Then it also shows XXXXXXXX XXXX with XXXX  year date. 

From its name, I am assuming it's an apartment complex. I'm in my XXXX 's and have owned and lived in a house since XXXX I have never used XXXX XXXX XXXX 

Portfolio Recovery has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccuracies in amounts and dates.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent a letter last XXXX XXXX, 2023 to remove these items that are 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 4 business days after the XXXX XXXX, 2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Account name RESURGENT/LVNV FUNDING Account number XXXX After reviewing my credit report i have noted some discrepancy validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

My equifax credit report is reporting inaccurate information to consumer and different company my credit report is showing XXXX but equifaxs is reporting XXXX a different score plus company are stateing such stuff as public records but there no such thing on my credit report from what I can see so equifax is reporting misleading information I know they are reporting wrong information
Consumer complaint received 2024-05-02
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 am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from Equifax. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized 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 
I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Consumer complaint received 2024-05-02
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 trust this message finds you well. I am reaching out urgently to address a serious issue regarding fraudulent inquiries that have emerged on my account. Despite my persistent efforts to resolve these fraudulent inquiries, the matter remains unresolved. These inquiries are fraudulent and have caused me significant concern and uncertainty regarding the security of my account. I want to highlight that I have taken the step of filing a report with the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries, underlining the severity of this matter. Despite my diligent efforts to address the issue, the fraudulent inquiries persist, which is deeply troubling. I kindly request that your team takes immediate action to thoroughly investigate and remove these fraudulent inquiries from my account. I expect a swift response detailing the specific steps your company will take to address this fraudulent activity, along with a clear timeline for the removal process. Additionally, I urge you to conduct a comprehensive review of your inquiry tracking systems and security protocols to prevent similar fraudulent inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is crucial in maintaining trust and confidence in your services. Failure to resolve this matter satisfactorily may require further action on my part, including seeking assistance from regulatory authorities or legal counsel. However, I am optimistic that with your cooperation, we can resolve this issue efficiently and amicably. Thank you for your immediate attention to this urgent matter. I await your prompt response and action regarding these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-12
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. (FL)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc. (GA)

To speak with a supervisor to also have the loan application closed and I was hung up on and cursed out. 

The XXXX XXXX XXXX  names that are in these emails are the ladies that were speaking amongst each other 's about scamming people on the internet out of the {$5.00} for the monthly fee for the loan for their company and then I was told that they were the loan company and then I was told that I needed a cosigner. 
When I could not find a cosigner another employee that I got on the phone after multiple callbacks told me I did not need a cosigner that my credit was good enough for the application until another employee came over and took the phone from her and acted as if she was her. 

After acting as if she was the young lady she just took the phone from the woman then proceeded to tell me that they were going to get my loan started from another company. 
And that they were not the ones giving me the loan anymore so now they had my personal information my address and all of my credentials only to hang up in my face and I could hear them arguing over the phone and who was going to scam me first. 
I overheard another young lady saying that you're trying to be nice to the customer and our job is to scam them. 

This company has multiple different addresses all across the United States the only one that has a name on it for a physical person is the one in XXXX. 

Multiple different phone numbers and addresses all the way registered to the XXXX XXXX. 

Every state has a different address all with the same name transform credit Inc . 
As I overheard the employees talking about scamming and not being nice to customers while they were arguing, I was hung up on multiple times they did not know I was listening to the phone and they did not hang up the phone. 

While I did not record it I have screenshot it as much as I can and sent you a copy of my own promissory note that was written up for them to send to me and the emails with the name of the employees if you XXXX the addresses none of these addresses are in compliance and they are vacant.