davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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)

I am writing regarding my second dispute as a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. This is my second formal request, as my initial dispute was unjustly denied despite the clear evidence of fraudulent activity. 

I have reviewed my credit file again, and the fraudulent information still does not relate to any transactions I have made. I am requesting that this incorrect information be immediately blocked and removed from my credit file. This is not a regular dispute ; I have filed a complaint with the Federal Trade Commission to document this identity theft. 

Pursuant to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Identity Theft - Fraudulent Bankruptcy Case : Bankruptcy XXXX  XXXX Case Number : XXXX Please remove this from my credit report. 

XXXX XXXX This second request reflects the seriousness of my situation, and I expect the fraudulent information to be blocked and removed promptly as required by law. Failure to address this matter appropriately may result in additional actions to protect my rights. 

Thank you for your attention to this issue, and I look forward to confirmation that the fraudulent information has been removed.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX XXXXXXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX XXXXXXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.
Consumer complaint received 2024-04-17
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CT)

On XXXX I had a rental screening done with XXXX XXXX and Ive been trying to get things disputed that made them deny my rental application which is on fair lexisnexis reported and eviction judgement that was withdrawal that I won in court I send several documents and they still will not remove it and a motor vehicle infraction from XXXX thats affecting as well that I dont agree anything over 7 years should be removed Im completely discouraged and they also denied me due to my soft pull inquiries that should have no affect on me
Consumer complaint received 2024-04-17
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Franklin Credit Management Corporation (TN)

In XXXX my wife and I secured a mortgage with XXXX loans for XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX. The housing market crashed in XXXX XXXX loans sent us a modification package that inquired about the status of our XXXX loan leading me to believe that it would be included in the modification. from XXXX until XXXX I paid one mortgage payment to XXXX who sold oir loan to XXXX and then to XXXX Mortgage. in XXXX I filed for bankruptcy and XXXX XXXX XXXX showed up after 11 years wanting to be paid. The loan I assumed had been charged off. Now the loan has reached maturity and they are forclosing on my home on XX/XX/XXXX at the XXXX XXXX court house through sheriff 's sale. I assumed by state law of Tennessee that the statue of limitations was up on collecting this debt. And that this would be considered a time barred debt. Trying to be collected illegally. My account number with XXXX credit is XXXX.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary XXXX, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-04-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

An account with XXXX XXXX XXXX  is listed on my credit report. 
Pursuant to FCRA section 609 A1 I request all information on file concerning this account.
Consumer complaint received 2024-04-17
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 am writing to follow up on my previous dispute regarding the negative accounts that persist on my credit report. It is alarming to see that despite my clear statement that these items are incorrect and unverified, it continues to be reported.
Consumer complaint received 2023-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I am still in school, so my student loans are deferred. EdFinancial falsely reported to NSLDS that my loans are in default. As a result of this lie, I can not get a new student loan to finish my program.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

These inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-09
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. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-04-17
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. (NV)

I accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-04-17
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. (NY)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

I used my PayPal credit card ( issued through XXXXXXXX XXXX  ) to purchase an XXXX XXXX from XXXX XXXX ( Pay Pal Invoice ID is XXXX. Transaction ID XXXX ) on XX/XX/2023. It cost {$380.00}. I returned the watch to XXXX XXXX. They issed a refund on XX/XX/2023. The original order number with XXXX XXXX is # XXXX. Paypal did not give me a refund. I filed a dispute with Pay Pal Case ID : XXXX. Pay Pal has not refunded my money at this date. I am unable to contact them to discuss this issue.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have been writing Equifax with no response. I am writing to dispute the accuracy of the payment status reflected on my consumer report. Upon reviewing my credit report, Equifax has my payment status as derogatory/collection/charge-off and account not disputed when in fact ; I have been disputing. XXXX has sent a letter to the consumer reporting agencies on XX/XX/2023 reflecting the payment is complete and Equifax has not updated my credit report as paid for over a year. Also, the amount is incorrect according to XXXX. The amt that's on my credit report is {$5100.00}. The acct XXXX has listed is {$5100.00}. The credit bureaus must report 100 % accurate information which Equifax is not. I have attached several documents to support my statement. Thanks!
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-26
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. (TX)

n accordance with the Fair Credit Reporting At XXXX  Account # XXXX as 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.
Consumer complaint received 2023-10-30
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: Upstart Holdings, Inc. (VA)

My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone numberXXXX XXXX XXXX  company performed an investigation and quickly concluded that it was absolutely fraud. Upstart refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.
Consumer complaint received 2024-04-17
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. (CA)

To whom it may concern I applied for an auto loan in the fall to only one company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For around 17 months I've been dealing with bank of america after they closed my account they can't seem to get anything right sending my remaining fund to me in a form of a check they sent to the wrong address once and got still can't get anyone to get anything my second time writing a compliment to them the first was no help at all some lady from boa name XXXX XXXX gave me the runaround tells me to sign some papers take to the bank and get it notarized first I have no way of printing this papers I have no i.d but a Pic of it on my phone let alone gave transportation to get there by the time I finally made it there the banker had no clue what I was talking about the XXXX the XXXXfrpm boa tells me I'm too late I just want my check sent to me get this all behind me
Consumer complaint received 2023-04-25
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 (CA)

Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which has caused me significant inconvenience and financial loss. I believe that this limitation was a mistake, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

I would like to clarify that I have not violated any PayPal policies, and I have always conducted my business transactions in compliance with your terms and conditions. I was taken aback when I received a notification informing me of the permanent limitation on my account. I have reviewed your policies and can not identify any reason why my account should have been limited. 

I value the convenience and security that PayPal provides to its customers, and I have been a loyal user of the platform for several years. I am confident that my account was limited by mistake, and I would like to ask PayPal to give me the opportunity to present my case and provide any necessary information to resolve this issue. 

I kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to cooperate and provide any additional information or documentation that may be required to resolve this issue. My PayPal email address is XXXX, and I hope to receive a positive response from your team soon. 

Thank you for your attention and understanding in this matter. 

Sincerely, [ Your name ]