davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. 

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. 

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. 

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent 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 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 2024-04-06
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. (TX)

Subject : Request for Removal of Negative Amounts from Credit Report XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681
Consumer complaint received 2023-10-29
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. (TX)

Contacted and disputed XXXX account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have had my student loans in repayment for sometime. I realized that Mohela the servicing company was not correct in the way the handled interest capitalization. They capitalized my loan way past the legal 10 % of interest level. Not only that there is no clear understanding of the information on the Customers internet Screen at the website. There is a rule that would allow me to re dive forgiveness based on the number of deferment years listed and the timeframe that I have been in repayment.

There is a rulle that says after consolidation of all y loans, the loan in the oldest repayment period would qualify me for forgiveness of all loan debt. On the student aid website the simulator confirmed that I can apply for the 20 year IBR plan. I did and is expecting forgiveness. But the information on Mohela Loan Servicing company Website is not agreeing with the
department of education student aid records. I would like to have Mohela correct its records based on department of education records.
Consumer complaint received 2023-10-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is one of my multiple attempts to notify XXXX and Equifax credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (GA)

I have 5-8 negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, Experian, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, XXXX, and Experian are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, XXXX, and Experian to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Consumer complaint received 2023-09-20
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 (NY)

I did not authorize or havin any knowledge of the following inquiries from CAPITAL ONE AUTO FINANCE ( Finance ) as it was due to identify theft the dates are as followed. 

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 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc. (AL)

Someone used my information to make purchases with after pay. I never used after pay and now there is a restriction against me.from any buy now pay later vendor. I'm asking for a full I investigation and unflag my name in your system or any system that suggests to other companies I owe you. This is fraud.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in disputing all incorrect information in my file with transunion. alot of information is incorrect and invalid. please update my account correctly.it is hendering me from moving forward and approvals.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-02-27
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. (GA)

Violation of Rights- Failure to follow laws when notified of identity theft when all required documents were submitted with FTC ID Theft report on XX/XX/2022. 
Accounts listed on Identity theft were not blocked in 4 days required by law. 
Accounts listed in Identity theft report were never blocked or deleted. 
Authority to decline or rescind allowed only if consumer reporting agency reasonably determines that the information was blocked in error or block was requested by the consumer in error, the block was requested by the consumer on the basis of material misrepresentation by the consumer or the consumer obtained possession of goods, services, or money as a result of the blocked transaction. 
CRA did not have the authority to decline or rescind block for the reasons they stated.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-09
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

In Accordance with the fair credit reporting act XXXXXXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-09-22
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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
Consumer complaint received 2023-10-09
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

Vacation in XXXX at my parents home in XXXX, on XX/XX/2023 around XXXX XXXX XXXX ( XXXX EST ), I was checking my XXXX emails and saw 3 emails from chase. XXXX email says I have added a payee by name " XXXX XXXX - XXXX XXXX BANK '' XXXX email about bill payment of {$4000.00} to the " XXXX XXXX ''. XXXX email about the balance below {$50.00}. All XXXX emails got into my inbox around same time at XXXX XXXX time ( XXXX EST ). Received emails around XXXX mins before I checked the emails. 

Immediately, I signed into my chase account to check and surprisingly I found a payee added by name " XXXX XXXX '' with a XXXX digit number and a transaction for transfer of {$4000.00} paid as a bill to this payee. 

I have not signed into my account on that day before this and never added this payee ( dont know who is this ) and never transferred any money. I saw that the transaction was still in pending status. 

I called in Chase and reported about this activity and filed a claim # XXXX XXXX XXXX XXXX, they mentioned it will be taken care of. 

I called Chase again on XX/XX/2023, assuming that they sorted the problem out, it is to my surprise that they said, in their investigation it is found that the activity happened thru the same device that I have used in the past, and they believe that the transaction done by me. And they said the case has been denied not willing to re-open it. Please help.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

Experian will not let me see my credit report or credit alerts until I pay {$24.00} to keep a membership I do not want. I have called and every single time I somehow am disconnected and I think canceling a premium membership should be a pretty basic request. I just want to see my credit score and the alerts ( which they continue to send me multiple emails a day for ) but there's no way around the paywall. I have learned from research online that this is a very common problem among Experian customers and that the company uses predatory tactics to swipe money from its users for moot reasons. It even plainly states in the membership benefits that " Subscription Cancellation '' is a member only feature... I have to be a member to cancel my subscription? I never knew how shady Experian could be until recently. Appalling and unacceptable.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

Equifax contains XXXX accounts with XXXX on my credit report that contains no data reported form XX/XX/XXXX thru XX/XX/XXXX. These accounts are labeled derogatory and or delinquent. I filed ChapterXXXX XX/XX/XXXX which included these XXXX accounts with account numbers XXXX ... and XXXX .... First, there should be payments provided from XX/XX/XXXX thru XX/XX/XXXX. These accounts are closed with {$0.00} balances. The Fair Credit Report States credit bureaus ca n't have negative accounts on a credit report for longer than 7 years. It Does Not State the accounts Must remain on the credit report for exactly and no later than 7 years. So basically, it 's up to Equifax here on how long these accounts will remain on my credit report. These accounts were originally opened in XX/XX/XXXX. I realize the accounts were updated XX/XX/XXXX. However, I had XXXX accounts with XXXX XXXX XXXX that were open I believe in XX/XX/XXXX and XX/XX/XXXX. These accounts were included in the Chapter XXXX XX/XX/XXXX. Well, I believe some time in XX/XX/XXXX, these XXXX accounts were removed from from credit reports. I never challenged the accounts. Equifax took it on their own to delete these accounts after only 4 years. The XXXX accounts have negatively affected my credit report for almost 25 years.