davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

I am writing to formally dispute the inclusion of an outdated and fraudulent account on my credit report, which has recently come to my attention. Following a meticulous examination of my credit history, I uncovered an instalment account that egregiously misrepresents my current financial status. 

This discrepancy not only tarnishes the accuracy of my credit profile but also stands in flagrant violation of legal statutes governing the integrity and accuracy of credit reporting. The account in question exhibits inaccuracies in Account Numbers and the deliberate concealment of certain account details, constituting a clear breach of regulatory standards. 

It is imperative to underscore that this account does not pertain to me and finds no reflection in the records maintained by other reputable credit bureaus. The inclusion of this fraudulent account has inflicted substantal harm upon my creditworthiness and overall financial standing, thereby necessitating immediate redress. I have records that indicate that this {$4500.00} loan is not mine. 

The singular appearance of this account solely within your report raises grave concerns regarding potential fraudulent activity. In light of these circumstances, I am deeply troubled by the implications of this erroneous and deceptive entry, which casts doubt upon the reliability and integrity of your credit reporting practices. 

Accordingly, I hereby demand a comprehensive investgation into the origins and rationale behind the inclusion of this outdated and fraudulent account in my credit report. Furthermore, I urgently request the expeditious removal of said account to rectify the egregious inaccuracies and restore the pristine integrity of my credit information. 

Please be advised that this correspondence constitutes a formal dispute under the provisions delineated within the Fair Credit Reporting Act. As such, I expect and anticipate a prompt and thorough response to this matter, accompanied by transparent actions aimed at remedying the injustices wrought upon my credit profile.
Consumer complaint received 2023-12-02
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. (IL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
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: EQUIFAX, INC. (AL)

On XX/XX/2023, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/2023, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX 

See the attached letters
Consumer complaint received 2024-04-19
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/year>
Consumer complaint received 2023-12-02
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. (IL)

I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the XXXX data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates XXXX 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of XXXX to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This is a Mortage loan, they started marking late payments in 2023 due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.
Consumer complaint received 2023-08-07
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I just received a copy of my credit report and noticed the following errors. 
XXXX ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX 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 a count with my written instructions.
Consumer complaint received 2023-12-02
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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
Consumer complaint received 2024-04-19
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)

XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.
Consumer complaint received 2024-04-19
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. (CO)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX, 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 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 seven 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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2023-10-27
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 2023-12-02
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. (TX)

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 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

[ Estate XXXX XXXX XXXX ] XX/XX/2023 Subject : Notice to Cure - Discrimination Based on Religion/Violation of U.S. Code Attention lending team of Discovery I applied for a car loan and got denied. Regardless of the reason for being denied, I have the right to credit. Only XXXX can deny me anything. Withholding access to my securities is securities fraud! Youre violating the equal credit opportunity act & the consumer credit protection act. Since you are denying me my credit please retract my application thank you. 




XXXX, XXXX XXXX XXXX attorney in fact for XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

On XX/XX/2024, I noticed that my credit report was full of inaccuracies. The personal information on all reports were inaccurate, they were full of wrong addresses, dates and accounts that were supposed to be closed were listed as open. I sent certified letters to all three bureaus on XXXX XXXX, and they were delivered by XXXX XXXX. I waited the 30 days to for them to reach out with a response to no avail. I called back after 50 days for the reporting agencies to act like they didn't receive my request for updates and deletion of incorrect information. They also wanted me to start a new dispute over the phone when they clearly disregarded the certified letters I sent. However, the negative information is still on my account without verifying anything. Which to my knowledge is against the law, they didn't even respond to my request for the info I requested. It has now been over 105 days and the credit bureaus still haven't sent me any report of an investigation. These inaccuracies are harming my livelihood on a daily basis. I run a business and can't get credit, purchase a vehicle or qualify for loans or bank accounts due to this ongoing problem! I need your help Please!
Consumer complaint received 2023-12-02
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

Venmo has unexpectedly closed my business account and has said it does not have to tell me why. I have never had a chargeback and am signed up as a business account vs a personal account and have been happy to pay the business fees as legally bound. 

With Venmo closing my account ( which I understand as a private business they have that ability and do not have disclose why, despite being incredibly frustrating ), they are holding over {$1700.00} in funds for the next 6 months to " protect themselves against chargebacks ''. I have NEVER had a chargeback and in fact, the funds that are there are for purchases that have already been received by the buyers without any issue. 

I believe that Venmo, in addition to other money apps such as XXXX, hold funds from small businesses so that they can earn interest on these funds before having to release them to the business. It's incredibly harmful to small business owners to have funds held for no good reason. I would understand a small portion MAYBE for chargeback protection, but I've had this account for over 2 years with zero issues and zero chargebacks. Venmo even reversed a transfer I had initiated ( I always transfer money immediately for exactly this reason ) before they sent me an email saying they were closing my account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

Equifax is displayed negative information in XXXX XXXX application. 
That's the reason my credit score is impacting and my profile is showing negative. So please report the post as soon as possible. 
I have already clear all the emis and also I got loans clearance certificate by XXXX finance. 
So that don't display this kinds of negative post any where. 

Please find the attached XXXX XXXX XXXX.