davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-27
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)

Dear Sir or Madam, I am a victim of identity theft and I am writing to you because certain information in my file resulting from the crime has reappeared on my credit report and Equifax refuses to address the matter promptly. 
The items I am disputing do not relate to any transactions I have made or authorized. Please have Equifax remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX  and the fraudulent inquiries are from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX and XXXX removed the fraudulent above information but Equifax had them reappear. This has been a well-established case of Identity theft and a crime. Negligence from Equifax is costing me more than money, It is costing me my emotional and mental well-being. Equifax violates section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and section 605B of the Fair Credit Reporting Act,15 U.S.C . 1681c-2. 
Please have Equifax comply with the law, and remove/block this fraudulent information from my credit file. 

I have attached the Police Report, my credit reports ( With the Fraudulent information highlighted in yellow on the Equifax Report ), and proof of my identity to this inquiry. 

Please do not hesitate to ask me for any additional information that could be of use to you. 




Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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 express my profound dissatisfaction with the way my identity theft complaints have been handled by your bureau. This matter involves not only the theft of my personal data but also reflects a concerning lack of responsiveness and care from your bureau in addressing my situation. 
I have submitted all required documentation, including the FTC report filed with the Federal Trade Commission, to establish my innocence and highlight the criminal actions involved. Despite the severity of the issue and its significant impact on my life, the response from your bureau has been alarmingly inadequate. Communication about the status of my disputes has been sparse, and the replies I have received have been generic and unhelpful. This neglect has left me feeling ignored and unsupported by the institution I trusted to safeguard my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation. Please thoroughly review the evidence provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that measures be implemented to prevent such incidents in the future, as it is evident that my personal information has been mishandled. 
XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-06
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

During the pandemic, managing payments for this account became increasingly challenging. As the economic landscape shifted unpredictably, so did my financial stability. With job uncertainties and unexpected expenses, allocating funds towards debt repayment became a daunting task. Despite my earnest efforts, the burden of overdue payments weighed heavily on me, exacerbating the XXXX  already imposed by the pandemic 's uncertainties. Each missed payment amplified feelings of XXXX and frustration, deepening my worry about the repercussions on my credit score and financial future. Navigating these turbulent waters required a delicate balance between meeting essential needs and addressing financial obligations. Seeking assistance and exploring alternative payment options became imperative in order to mitigate the impact of this challenging situation.
Consumer complaint received 2018-07-07
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: CITIBANK, N.A. (PR)

Citibank, which is the Bank controlling the Sears Credit Cards, closed my 2 Master Cards accounts with Sears, including the original which is from the year XXXX, no matter the 2 recent payments of {$150.00} each, and all I explained to the over the phone, included in this complaint, and even using their online message service, and all the problems we faced here in Puerto Rico due to Hurricane Maria, Citibank simply disregarded everything and decided to unfairly close my 2 accounts with Sears, please see the 2 letters from Citibank included, one in English, the other one, is a translation to XXXX, one is referring to one of my accounts, the one ending in XXXX, which is the oldest from XXXX, when Citibank was not administrating Sears accounts, and the XXXX XXXX, which was opened under the Citibank administration. The complaint number XXXX, refers to the complaint already sent to XXXX XXXX about this problem, and many of the documents of that complaint are included in this one, in addition to the letters received online from Citibank dated XX/XX/XXXX, when they informed that my 2 accounts are closed, no matter I disagreed, and also paid, and also, they are requiring a huge single payment of more than {$400.00} for my oldest account, even after paying {$300.00}, with 2 {$150.00} payments in just days, in spite of all the evidence included, and all this affects my credit report unfairly, and is even discriminatory, probably due to me age of XXXX   years. Is unfair and discriminatory.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (IN)

On XX/XX/XXXX I called to finalize my account with MyFortiva after speaking to a supervisor who assured me settling the account would not negatively impact my account. She told me I could pay less because of the predatory interest I already paid more than the amount balance. To validate this information again I chatted with an employee who assured me yes it would not impact my account. I advised them I would not settle otherwise because my credit was good. Initially it reported settled account on credit. On XX/XX/XXXX I called to verify account was indeed settled because account showed a balance. The representative said yes the balance would be resolved and my account was indeed settled. The very next day a charge off from MyFortiva was on my credit report. It tanked my credit and even changed my rating with a couple of the bureaus. I feel this a XXXX retaliation after I called the XXXX time because I spoke to several people. I spoke to XXXX XXXX XXXX who advised me my account was delinquent since XXXX. I told her my account was never delinquent more than several days one time because I was working on the settlement amount. She advised me no your account was delinquent every month. I was so angry I advised I would be contacting an attorney. I believe if I wasnt XXXX XXXX this would not have happened. I have copies of the chat and they have recordings of the conversation where I asked if this would be credit impacting.
Consumer complaint received 2024-05-27
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. (CA)

I have lost count of the number of correspondences I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be adequately addressed. Once again, I find myself compelled to dispute the fraudulent information that continues to tarnish my credit file. Despite my submission of the requisite FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. It is important to note that I have already contacted the associated banks, provided the necessary documentation, and successfully had the accounts removed from their records. Furthermore, other credit bureaus have already expunged these accounts from their reports following the submission of the FTC complaint. Thus, I am perplexed by the verification process your bureau has employed to justify the continued reporting of these fraudulent accounts. I'd like the account deleted from my file : XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (OH)

It has been brought to my attention that you are not removing inquiries when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following inquiries listed below which are reporting inaccurately due to erroneous credit report entries, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law I also attached here a new FTC report with reference number XXXX. Please remove the following inquiries as they are unauthorized & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you claim these inquiries are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these inquiries which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2023-04-18
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. (GA)

On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}
Consumer complaint received 2024-05-27
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-27
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct # XXXX .... and XXXX XXXX XXXX XXXXXXXX Partial Acct # XXXX ....
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PR)

Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. 

The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. 

Please let me know how you can help me. my email. XXXX Thanks!!
Consumer complaint received 2024-05-31
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. (MS)

PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Consumer complaint received 2024-05-27
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 have lost count of the number of correspondences I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be adequately addressed. Once again, I find myself compelled to dispute the fraudulent information that continues to tarnish my credit file. Despite my submission of the requisite FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. It is important to note that I have already contacted the associated banks, provided the necessary documentation, and successfully had the accounts removed from their records. Furthermore, other credit bureaus have already expunged these accounts from their reports following the submission of the FTC complaint. Thus, I am perplexed by the verification process your bureau has employed to justify the continued reporting of these fraudulent accounts. I'd like the accounts deleted from my file : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PR)

The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX  at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.
Consumer complaint received 2024-05-13
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 just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-27
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.