davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX  Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' DELETE FRAUDULENT ACCOUNT PERMANENTLY AND INDEFINITELY NOW THANK YOU DISPUTE RESPONSE!!!!!!! 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I called XXXX XXXX XX/XX/2023 and they could not find a credit card in the amount on my credit report. It is a fraudulent credit card someone took out in my name. The person on the phone told me to contact all the credit reporting agencies.
Consumer complaint received 2018-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have submitted police report and file complaint several about the fraudulent items on my report. The following are not mine nor did I authorize. XXXX XXXX XXXX  XX/XX/18 XXXXXX/XX/18 XXXX XXXX XXXX XX/XX/18XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (IL)

This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was surprised when I was reviewing my credit report and found a late payment inXX/XX/2017, I am not sure how this happened. I believe I made my payments to you When I received the statements. My only thought is that my statement didn't get to me.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ). 

They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ). 

I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (SC)

We are selling our home to purchase another. My lawyer tried to contact mortgage company which said I have to call. I have tried to call multiple times and login but there was a breech. Now I can not close with funds until resolved. I was never notified that I would not be able to access my account. I can not login for statements nor make a payment.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am in the process of applying for a mortgage and during the process I noticed these fraudulent accounts showing on my Equifax credit report. Please remove these accounts immediately. I have listed the accounts and dates showing opened below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-28
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. (CT)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are inquiries on my Equifax Report that should not be there These inquiries were added without my knowledge. in compliance with the tair credit reporting at these inquiries need to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my multiple 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, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-11-28
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. (AL)

Fraudulent inaccurate inquires on credit report for 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 account from unknown merchant XXXX XXXX  and I dont have an account with merchant ( XXXX XXXX ) that is listed.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MI)

Recently I XXXX XXXX applied for an Wells Fargo credit card and was denied an extension of credit by Wells Fargo. On XXXX XXXX, I applied for a Wells Fargo Credit Card with Wells Fargo. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to XXXX XXXX XXXX XXXX ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2023-11-27
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. (GA)

On XX/XX/XXXX I sent some information to Equifax for an inaccurate account showing on my credit report. I have not received any communication from this company nor have I saw this account being removed. I asked for verifiable proof for this account and have not received anything.
Consumer complaint received 2023-11-28
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. (AL)

Unauthorized fraudulent inquiries on my report that I submitted more than once with ftc report and they were not removed from my credit report. A collection account was added from XXXX XXXX and I dont have an account with the merchant ( XXXX XXXX ) that was listed on that account.
Consumer complaint received 2023-11-28
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX NOT XXXX 
All support documents and my photo ID is attached!
Consumer complaint received 2022-12-20
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-08-30
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: CORELOGIC INC (MA)

I went in to the dealership to discuss purchasing a new XXXX XXXX. When doing so I told them that I wanted to talk about potential numbers and that I did not want my credit checked in the process unless we were close to a deal. We did not get close to a deal and yet the ran my credit through a company called XXXX  anyway. This inquiry was unauthorized. 

I called the dealership and they tried telling me that they can not do anything about the inquiry and that although the salesmen remembers me saying I do not want my credit pulled - it must have happened by the sales manager anyway. I asked if they could fix this and they said I would have to write a letter to the 3 credit bureaus. This is unacceptable.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  an account was opened with XXXX XXXX XXXX XXXX XXXX me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XXXX XXXX XXXX 

3. The account was deemed 30 days late on payment on XXXX followed by a " Repossession '' status from XXXX XXXX XXXX, then to a " Charge Off '' status from XXXX XXXX. 

4. On the first week of XXXX XXXX XXXX, I had received a letter from XXXX XXXX XXXX XXXX a law office representing said company reaching out to me to with a claim that XXXX XXXX XXXX filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

6. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

7. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

8.I was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX XXXX XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XXXX 

9. Now I have been trying to contact XXXX XXXX XXXX in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I was a victim of fraud. Using the service XXXX, i sent someone who was supposed to sell me an item {$300.00}, as requested on XX/XX/2018. I told Wells Fargo about the scam and they refused to do anything about it. Even though it was their service.
Consumer complaint received 2018-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one credit card is making fraudulent charges on my card. I was enrolled in auto pay for years, suddenly on the month there was fraudulent charges, the auto pay was not taken by the bank. Then they stack fees and interest. I received no phone call, e-mail or mail, until there was several charges, then when I did call, was told they would take off the erroneous charges, along with making sure it did not show up on credit report. I have written 4 letters to get the 30 day off my credit and they have not. When you look at the statements there are many erroneous charges that cont., they have charges on the statement for XXXX of XXXX-showing charges for XX/XX/2017. There are missing pieces to the statements, unexplained items, and missing data. I have statements, and excell spread sheet to prove the fraudulent activity being done by Capitol One, it is obvious they are doing this on purpose. There needs to be a class action lawsuit and Capital one needs to be held accountable. I just want the one and only one 30 day late on my perfect credit score OFF!
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting act 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-27
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. (TX)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-02-07
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. (MO)

This fraudulent crooked company thinks by marking XXXX complaints as duplicate will fix the fact that experian stole NOW almost 30 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J