davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

My identity was stolen in 2020 and there have been 6-8 accounts opened up under my name. These accounts being opened up aren't even in the state I reside in. Fair Collections & Outsourcing Inc. have been awful in helping me with this fraud. They have gave me the runaround multiple times on what to do. XXXX XXXX has correctly been assisting me with the fraud case. Why are these companies giving out loans, renting apartments or allowing people to open up accounts in my name when I don't even live XXXX miles from where it's taking place? These companies are acting negligently in not researching where I live at, where I work, etc. because if they did then we wouldn't be in this mess. I've had a total of {$90000.00} taken under my name because companies don't want to do the extra leg work to get in contact with me. They just hand everything out on a hot plate for the criminal to take.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (IL)

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2019-12-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: URS Holding, LLC (NY)

XXXX XXXX  XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. 
I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. 
They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. 
I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. 
They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-20
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. (VA)

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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX, XXXX : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 personal information and inquiries need to be removed : incorrect historical data listed below : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : 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 2023-07-04
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I enlisted in the military fall of 2018. I spoke directly with Wells Fargo about my credit card situation and that I would NOT be able to make payments while going through military training as we arent allowed electronics, etc. They assured me I would be fine and to notify them once I exited training. I exited training and once I arrived at my duty station I called to find out they had closed my account and sent my stuff to collections. I now have a huge blemish on my credit report and wish to have it removed as its constituted financial hardship for my family all due to an erroneous act on Wells Fargos part.
Consumer complaint received 2023-06-20
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-13
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

Previously I filed a claim against Midland credit management and had them removed from my credit and It was granted.I received a letter in the mail from them attempting to collect on the same debt that is not valid. They was re-aging the account anthe the balance was different on XXXX, XXXX and XXXX. I have called them previously an asked then not to send any mail to my address. 
# XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

There is a bankruptcy showing up when I pre applied for a credit card. This is inaccurate, I have spoken with Experian multiple times about this and they are not trying to correct it, they keep saying that a bankruptcy is not on my file but I have proof
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (WA)

I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.
Consumer complaint received 2023-06-21
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. (CT)

This is my second 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 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
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX