davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
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. (CA)

I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.
Consumer complaint received 2023-12-16
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. (CA)

On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to XXXX, Equifax and XXXX. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. 

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-16
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. (CA)

On XX/XX/XXXX, a collection from XXXX XXXX showed up on my consumer credit report. I let equifax know, and I was told it was removed, but have had no confirmation. 
Per HIPAA, the FCRA and the privacy act of 1974, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact equifax on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Reference # XXXX Amount of XXXX sent on XXXX XXXX had to dispute by call or writing to them by XX/XX/2023 I did not open this notice until today XX/XX/2023 i had covid got very sick.
Consumer complaint received 2023-08-26
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. (FL)

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.

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 inructions 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.
Consumer complaint received 2023-03-25
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (NJ)

Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX
Consumer complaint received 2023-12-16
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/XXXX  I got a notification on my phone from XXXX of a hard inquiry from capital one which I did not make. I contacted capital one and let them know it was fraudulent. I immediately locked all my credit accounts.
Consumer complaint received 2023-12-16
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. (CA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

I do not know why i am not able to open an account but if I owe anyone i will pay it I just want to open an bank account to save money and build credit someone tried to deposit fake check in wells fargo account making it close account down i have the proof it wasnt me
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
XXXX. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, Equifax, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And Equifax to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

affirm has charged my card {$150.00} down payment on a loan through XXXX pay. Its been XXXX weeks. Ive sent countless emails and been in live chat XXXX times. They wont refund my money. Ive sent proof from merchant that order was never processed. They wont reply to merchants attempts to reach out. Its like nothing Ive ever seen. I want money returned to my card. Im XXXX and about to seek attorney
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Received an email from Capital One stating that they I have an offer to upgrade my current credit card, no fee, no new account, no hard credit pull. On the morning of XX/XX/XXXX  I responded to the link and logged in my current Capital One account, clicked the accept for the upgrade, next thing I received a credit alert, they actually pulled a hard copy of my credit report, I called XXXX ( service number ) agent apologized but said it was a new application. I stated exactly what the offer was, not a new account, keep the same everything except different card name and cashback percentage. She said her supervisor said they could only delete the application, I again stated I did not want a new card/account, that this was very deceptive and they are probably doing this to numerous individuals. I asked them to retract and issue an error message to the three credit bureaus, they said they would not be able to. I stated that I was going to file a complaint, and that is what I am doing now.
Consumer complaint received 2023-10-06
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. (IL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.
Consumer complaint received 2023-12-15
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens made an unrealistic determination as to the validity of a charge without taking all the facts into account, instead relying simply on statements from the vendor which are a ) grossly inadequate, b ) in some cases illegible, and c ) in all cases inaccurate as the original transaction occurred by phone and I have the testimony of other parties who were part of the phone call who can and will verify that the vendor was clearly and repeatedly made to understand that the charge was to be a one-time charge ONLY. 
Citizens has twice broken its commitments to contact me to hear statements and proof to that effect, and so has avoided and failed at properly gathering all the pertinent facts in the matter before rendering their decision as to the validity and invalidity of the charge. 
This complaint is against Citizens Bank. I will file an additional claim if necessary against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : the offending vendor ) when and if it becomes necessary.