davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-01-08
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)

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.

has violated my rights. Or a 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

This is reference to a complaint I had already submitted against Equifax. Reference complaint # XXXX. I filed the previous complaint about their practices and how unprofessional they were when I spoke to them on the phone and that I think potentially they have a call center or are working outside the United States. When I spoke with them multiple people from Equifax said I could have forged my documents and they didn't believe my documentation was believable, but I filed the same exact documentation with XXXX and they did their job. I will be attaching documentation of the XXXX report. XXXX investigated and zeroed the balances and it states XXXX balance on both accounts that are mentioned on my previous complaint # XXXX. Remarks from XXXX state " settled for less than full balance ; paid collections ''. Clearly Equifax did no investigation and came back that the lender said they were doing what they were supposed to be doing, and the amounts were correct and the balances were correct? If XXXX did their job and got the correct information that they needed to clear up the discrepancy then why is Equifax saying they investigated this? Now I am even more worried about Equifax being a potentially fraudulent company and that they are in control of every person in the United States including but not limited to my information but the government employees information. They need to be investigated fully and find out if they are working in any capacity outside of the United States. It is too fishy their headquarters phone number is disconnected and no forwarding number, that when you call the XXXX office the receptionist states she is in XXXX but when you are transferred to th call center everyone has broken XXXX, are unprofessional and they will not tell you if they are located in the United States? Why can't they say if they are in the XXXX? Why can't they tell you where they are located? Getting my results from XXXX just made me more suspect of Equifax, because XXXX did their job and know it is illegal to have incorrect information on a credit report but nobody at Equifax cared when I told them it is illegal, and they did not care that I said I was going to be filing a complaint with this office. They could have cared less about any repercussions potentially coming their way. Even the " managers/supervisors '' said I was forging documents which is ludicrous to tell someone when you are a supervisor. Attached you will find my XXXX reports and their findings. 

Also XXXX was contacted on the same date the original complaint XXXX was filed. I phoned multiple times and could not get anyone one the phone, I left a message XX/XX/24 and it is XX/XX/24 and I haven't heard a word from them. I am not sure this is a legitimate company either. They also need to be investigated because they added fraudulent information to my credit report!
Consumer complaint received 2024-01-09
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. (NC)

I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX  they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXXXXXX  stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Equifax is breaking the law by reporting this information even though it can not be verified properly us 1681 c 2 XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3100.00} *charge-off*
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
Consumer complaint received 2023-11-19
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Cancel card in XXXX .... I have my card ending in XXXX and it should have three deposits coming. I do not want any other card except for my XXXX with BLUEBIRD. I will not contact you anymore regarding bluebird unless directed otherwise... I apologize for any inconvenience or confusion. Thank you.
Consumer complaint received 2024-06-12
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-20
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. (VA)

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS My only address is XXXX XXXX XXXX XXXX XXXXXXXX , Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US court of XXXX, ga, which is false. I have a attached a letter from the US court of XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, Equifax and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. This is also fraud because I never applied for bankruptcy so its not my bankruptcy
Consumer complaint received 2023-05-17
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. (DE)

In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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
Consumer complaint received 2023-04-17
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. (VA)

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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent a letter out on XX/XX/2023 to XXXX, Equifax, and XXXX. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law XXXX XXXX code XXXX - XXXX in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free 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 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have been in and out XXXX XXXX XXXX XXXX XXXX XXXXXXXX so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted XXXX, equifax, and XXXX on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX and or XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

I have contacted XXXX, equifax, and XXXX on the following accounts that they refuse to delete : XXXX XXXX opened XX/XX/2022 ( XXXX, Equifax ) XXXX ( XXXX, Equifax ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Equifax )
Consumer complaint received 2024-01-08
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. (PA)

I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (MA)

I requested to opt out of VAU ( Visa Account Updater ) : - Chase / VISA sent my new credit card number to several vendors as 're-ocurring " payments. which they are not! 

- Chase / VISA sent my new credit card number to vendors who I do not longer have an account with ( so i can not go into the vendor and ask to remove ). This is because i sold a business in the last 6 months, and those accounts were transfered to the new owner. 

- I do NOT have re-ocurrning payments set up via a credit card. For any vendor, i go in manually, review a bill, and pay monthly. CHASE/VISA should NOT arbitrarily determine what is a re-ocurrning payment, vs a payment that I authorize monthly. 

- CHASE/VISA should NOT and do NOT have my authorization to update credit card numbers with vendors. 

I called about 7 times, and opting out of VAU does not appear to be an option with CHASE/VISA>
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.
Consumer complaint received 2024-04-20
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)

I hope this email finds you well. I am writing to bring to your attention an issue regarding the accuracy of my credit report. Upon reviewing my credit report, I noticed that there are discrepancies related to the opening dates of certain accounts. 

Specifically, the opening date of one of my accounts appears to be inaccurately recorded. This discrepancy is concerning as it may affect my creditworthiness and financial standing. 

I kindly request that you investigate this matter and take the necessary steps to correct the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I paid the balance of my XXXX XXXX  card off and requested to have the account closed on XX/XX/2023. I received an email from XXXX indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with Equifax that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.