davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (MO)

I sent a letter onto remove items that is 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. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$460.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$160.00} XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-12
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am a XXXX XXXX XXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have a Michigan XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

My student loan through XXXX was XXXX through the XXXX XXXX XXXX XXXX program. It has a balance of {$0.00} and is closed. This information has been reported to Equifax by XXXX yet they still report the loan as having the full balance. I have filed a dispute with Equifax three times but they refuse to update the balance to {$0.00} even though they have documentation from me and from XXXX that {$0.00} is the balance on the account.
Consumer complaint received 2024-01-26
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

To Whom It May Concern : I am writing to dispute the debt listed on my credit report under account number ending in XXXX. I recently requested verification and validation of this debt from your company. While you provided verification, I still need to receive adequate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the debt verification documents you sent contain an email address and signature that are not mine. The email address " XXXX '' has never been associated with me, and I have not authorized anyone else to use it in connection with my financial affairs. 

Additionally, the original creditor listed for this debt is XXXX, a company with which I have never conducted any business.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2024-04-12
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. (AR)

I am writing to express my deep frustration and disappointment regarding the unresolved issue of the late opening of my account. Despite previous attempts to rectify this situation, the problem persists, causing significant inconvenience and concern. 

The delay in opening my account has had serious consequences, including missed opportunities and financial inconvenience. It is imperative that this matter be addressed with the utmost urgency to mitigate any further impact on my financial affairs. 

I demand immediate action to rectify this situation. I expect a full investigation into the root cause of the delay and a clear plan of action to ensure that such delays do not occur in the future. Additionally, I insist on compensation for the inconvenience and financial losses incurred as a result of this delay. With this, I am asking for your assisstance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2024-04-12
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 formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. 

Bankruptcy XXXX XXXX Discharged Reference : XXXX. 

Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There are several collections that fall under the state of limitations for debt collections and need to be removed immediately from my credit report. The last activity of these accounts was in XX/XX/2019 but the dates previously reported have been changed to reflect later dates to avoid the statute of limitations. These were all removed from the other bureaus due to inaccuracies and no ability to verify the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX last activity XX/XX/2019 I also have no business or accounts with the collections agencies reporting these collections and need these removed from my account as no one has provided me with any information on this. i believe this one is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just received two letters, one from XXXX XXXX XXXX, XXXX. 
and one from XXXX XXXX, XXXX that my house is scheduled for foreclosure on XX/XX/XXXX with XXXX XXXX, XXXX. 
XXXX XXXX, XXXX has not notify me about the foreclosure nor I do not know Nationstar Mortgage. Where these law firms got there information from I do not know. I have not received any letter from XXXX XXXX, XXXX, nor Nationstar Mortgage.
Consumer complaint received 2024-01-26
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 express my deep concern regarding the inaccurate reporting of my XXXX XXXX XXXX account on my credit report. Despite my repeated attempts to provide supporting documentation and seek resolution, there has been a failure to accurately report the status of my account. 

I want to bring to your attention that due diligence has not been exercised in reporting the accurate information regarding my XXXX account. As per the Fair Credit Reporting Act, I am entitled to accurate reporting of my credit information. Therefore, I urge you to promptly update my account status to reflect the accurate information. 

I have consistently provided supporting documents to rectify this issue, and it is disheartening that the correction has not been made despite my efforts. I kindly request that you take immediate action to contact the lender to ensure that the correct information pertaining to my account is updated. 

It is important to note that my XXXX account is open and in good standing, and the inaccurate reporting is adversely affecting my credit profile. I trust that you will address this matter with the urgency it requires and ensure that the necessary corrections are made promptly.
Consumer complaint received 2024-01-26
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 2024-01-26
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 sent a letter onto remove items that is 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. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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 2024-01-26
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-26
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Consumer reporting agency is continuously furnishing accounts incorrectly and fraudulently. 

Charge offs are being furnished and updated when income is not to be furnished on the consumer report. 

Needs to be reported as PAID IN FULL / PAID AS AGREED This is violation of The Privacy Act of 1974.
Consumer complaint received 2024-01-26
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. (DC)

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. 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 has violated my rights with these unauthorized inquiries. 

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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 2024-01-26
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.