davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This is my follow up to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$920.00}
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late OpeXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$4800.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

The late payment with XXXX XXXX  Account Number : XXXX shouldn't be on my credit report according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> I talked with some people in XXXX that pretended to be a well-known travel company. They talked to me and sent me information about a travel package in the hotel XXXX in XXXX. 
I decided to buy the travel certificate they told me. 
They said I needed to sent the money via international wire transfer so I did, in the amount of {$2900.00} dollars. I used my checking account in Wells Fargo for this transaction and the money should be available on XX/XX/year>. 
On XX/XX/XXXX they told me there was a error with my wire transfer and they would send me back the {$2900.00} but I should transfer again the {$2900.00}. 
The gave me a new account number to do the wire transfer, and I gave them my account number. 
I did the wire transfer and the money should be available for them on XX/XX/year>. 
I never received the first amount back, and I never received the travel certificate. 
I called Wells Fargo on XX/XX/XXXX to cancel or intercept the charges. They opened a dispute but havent hear anything back. 
I called the receiver bank XXXX in XXXX, but they didnt do anything. 

The information of the wire transfer reveiver accounts will be attached as photos.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

ALL XXXX CREDIT REPORT AGENCIES ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND WITH ME PROVIDING PROOF THAT THESE ACCOUNTS DO NOT BELONG TO ME. MY IDENTITY WAS STOLEN AND I PROVIDED PROOF THAT MY IDENTITY WAS STOLEN.
Consumer complaint received 2024-06-12
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: BARCLAYS BANK DELAWARE (FL)

I had a hard inquiry pulled under my name that showed up on my credit wise ( XXXX XXXX ). The inquiry was made from Barclays Bank in Delaware for some reason. I have never stepped foot in Delaware. Anyway, I called Barclays that same day and asked them why they did all of this to no avail. They said they dont see anything there, not sure what happened to the inquiry and to call my own credit line ( XXXX XXXX ) because they never inquired about a line of credit. It was extremely frustrating because I have no trust with Barclays Bank anymore and sure enough I had to give my social name address just for them to verify it was me and then tell me they didnt do it which is clearly false as I can physically look at the letter they sent me rejecting my new line of credit. I also did personal investigating and on XXXX reviews the Barclays Bank is full of reviews stating this is a fraudulent bank they inquired a new line and the list goes on. Countless people who have the same situation as me. This is extremely concerning.
Consumer complaint received 2024-08-28
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)

These are fraudulent accounts in my name, i have never opened these accounts. with that being said i am asking for my complaint to conduct a inquiry in reviewing what is going on. please be sure to remove all the accounts and inquiries that does not belongs to me.
Consumer complaint received 2024-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX, I mailed a dispute letter to Capital One Auto Finance, requesting an investigation into an unauthorized inquiry on my XXXX, XXXX, and XXXX XXXX reports dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Capital One Auto Finance to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, Capital One Auto Finance responded on XX/XX/XXXX, stating that they were unable to locate my file. This was despite the fact that I included my date of birth and the last four digits of my Social Security number in my dispute letter. It is evident that Capital One Auto Finance has not conducted a thorough investigation into my inquiry dispute. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Capital One Auto Finance has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an American Express gift card as a gift from a vendor I work with. I received it on XX/XX/year>2024 for {$500.00}. I have tried to use it multiple times online, at various stores and it consistently gets declined even though it has a full balance and I'm entering all of the information in correctly. American Express does. not have any tips to troubleshoot and this seems like a frequent issue from my research.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

XXXX Account Number : XXXX is violating my fair credit rights according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

MBA LAW Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX ccount number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX This account does not belong to me, I have not had visits to any hospital in Florida, I have health insurance, I always have, neither of us recognize this account, I have been trying for a year to get a response and no one tells me anything concrete, This account is a fraud, they attributed those expenses to my ssn.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. Please delete this account right away : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I regret to inform you that the fraudulent items remain unresolved. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. Despite my prior attempts to address this issue, The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately investigate and remove all fraudulent items from my account. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the fraudulent items have been removed and my account has been corrected. 
I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX  XXXX Balance : {$17000.00} XXXXXXXX XXXX  XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2024-05-15
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. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. there were not obtained with my consent. 

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 2024-05-15
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)

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 XXXXXXXX, has violated my rights according to the following 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 XXXX 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 2024-05-15
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00}
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist credit Card appears to have been opened in XXXX and then reoopened in XXXX. 
This is not my credit card and I need it removed immediately. 
I never opened a Truist credit card
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXXXXXX {$240.00} Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA 605B I am requesting the deletions of the late payments for : XXXXDEPT OF ED XXXXDEPT OF ED 11 late payments which have been deferred. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Despite my previous attempts, these items have not been addressed, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

On XX/XX/2022, my former apartment complex ( XXXX XXXX XXXX ) placed me in collections stating that I owe them money. They sold the debt to a debt collector ( Ideal Collection ) and placed the negative account on my credit. 

I contacted both XXXX XXXX XXXX and Ideal Collection in XX/XX/2022. The manager at XXXX never responded to my email and Ideal Collection 'verified the debt '', without actually verifying it's accuracy. 

On XX/XX/2022 - I emailed the manager of the apartment complex again, outlining the errors in the final statement receipt that I had, showing that for 13 months, they collected my rent but left out the collection payment of {$75.00} a month for the water bill, every month they failed to document the water bill in their ledger. 

I believe that XXXX XXXX XXXX or the individual responsible for accounting, purposely left out the monthly {$75.00} in an attempt to steal it. In return, they claimed that I owed them the funds, but my rental payments on the ledger shows that they received my entire rent amount of {$2000.00} that included the {$75.00} for water. 

XXXX XXXX XXXX has now sold this debt to a Ideal collection and ILLEGALLY placed the debt on my consumer report, which has caused my credit score to drop significantly.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2021 my identity was stolen at work. The criminal used my XXXX  to open many credit cards and loans. I just found out that this TD bank account existed. My address has been XXXX XXXX XXXX and never changed. They are using a trap house for mail. Please close this.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There is information on my consumer report that is a result of incorrect reporting, and identity theft that has already been reported. According to 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions, and I have not provided any written permission for these transactions to be added onto my consumer report. I am requesting that the information be blocked and deleted. My request to block is not being made in error as stated before. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my report within four days from the date of the receipt of this notice. I look forward to your response. 

Thank you