davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX  Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$90.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-05-04
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. (FL)

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXX OF XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX OF XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by XXXX XXXX. XXXX  XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by XXXX XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX
Consumer complaint received 2024-08-05
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. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX
Consumer complaint received 2024-08-03
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: Mercedes Benz Financial Services (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-09
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-13
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. (TX)

I sent a dispute letter on XX/XX/2024 challenging accounts on my credit report that are inaccurately. I informed Experian that the account information is not correct and somehow, they claimed that it was verified. I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the following items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped. The following accounts are : XXXX XXXX XXXX XXXX XXXXXXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report.On XX/XX/scrub>XXXX XXXX XXXX XXXX reported to all three credit bureaus a debt in the amount of {$270.00}. I recently submitted a complaint with this company and after reviewing their response I noticed they are trying to collect a debt that was closed due to identity theft.
Consumer complaint received 2024-05-09
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. (CA)

This item XXXX is inaccurate and closed. Since then, the account has repeatedly been updated as late every month. This is an updated in the payment history. Please investigate this matter and delete or correct the payment history as soon as possible. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. Again, delete or update the payment history as good standing. 

XXXX Account no. : XXXX
Consumer complaint received 2024-05-09
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. (SC)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax 's refusal to provide me with a copy of my entitled free credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to the law, consumers are explicitly granted the right to access their credit reports free of charge. 

Their website consistently presents errors and prompts me to call a provided code for assistance. However, my attempts to resolve the issue over the phone have been fruitless. After undergoing identity verification procedures, representatives informed me that they were unable to assist and instructed me to submit documents via mail. This course of action is unreasonable and impractical, as I lack the means to do so, especially when electronic access to my credit report should be readily available. 

This egregious behavior from Equifax not only impedes my access to essential financial information but also undermines the integrity of the banking system. I demand an immediate resolution to this issue. They must rectify their website errors, provide me with electronic access to my credit report as mandated by law, and ensure that their representatives are equipped to assist consumers effectively. Failure to do so will result in further action to uphold my rights and hold Equifax accountable for their infringement on the banking system.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my 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 XXXX  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 2024-05-09
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. (GA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax is reporting a bankruptcy on my credit report. XXXX XXXX sent a letter that it was unverifiable and they need to delete it immediately. Under the FDCPA and FCRA all credit reporting agencies are supposed to report the same information and experian and XXXX are not reporting a bankruptcy but equifax is.
Consumer complaint received 2022-06-27
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. (IL)

A credit card was fraudulently attempted to be opened in my name on XX/XX/2021 but was blocked by XXXX due to the safeguards that I currently have in place on my credit report. XXXX did an investigation and deemed the attempt to be fraudulent and sent a letter stating the inquiry would be removed within 30 days of the date of the letter ; however, XXXX still has not removed the inquiry. It has now been almost 5 months since the date of the letter and the fraudulent inquiry still appears on my Equifax credit report. I am unable to dispute the inquiry online or by phone. I have sent a letter to Equifax six weeks ago requesting they remove the fraudulent inquiry and they have not yet removed the inquiry. This inquiry likely appears on all three credit bureaus as well and needs to be removed as this was a fraudulent attempt to open a credit card in my name.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-09
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. (FL)

On XXXX I was contacted by XXXX via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called XXXX XXXX XXXX at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against XXXX for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that XXXX is acting unlawful. 

This filing is also being sent to XXXX AND EQUIFAX as the updated FTC Report. 

Furthermore, EQUIFAX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-09
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. (CT)

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, XXXX and Equifax is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave Equifax written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account COMENITYBANK/VICTORIA ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$0.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am notliable for this debt with COMENITYBANK/VICTORIA. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a phone call from the Bank of Americas actual XXXX number saying they found fraudulent payments in my account. They explained that there were fraudulent wires made and that they could start the formal process with me to fix the problem. So they walked me through it. Then the next morning my account was emptied- {$8200.00} was gone. So I immediately called Bank of America and asked what happened. They said this is a new type of scam and I was connected to their fraud department to file claim. I had to sign an affidavit that I was not actually involved with the fraud. I called a total of 5 times for updates. Today I received an email document saying that they can not recover my money. I immediately sent 2 emails back saying that it was unacceptable. The initial fraudulent call was Wednesday XX/XX/2024. I received the document today XXXX XXXX that they couldnt fix the problem.