davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (CA)

This is my follow up complaint to the XXXX and Equifax Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And they are are required to block and remove these specific inquiries not later than provided timeframe. Ive already included the identity theft report in my previous complaint & I am including it again here. Also, the data the XXXX and Equifax provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

I am writing to you regarding an alleged debt that appears on my credit report. According to the information listed, the original creditor was XXXX XXXX, and the debt has been assigned to your agency for collection. 

I would like to formally request validation of this debt as I have never had any accounts or dealings with XXXX XXXX or any other gym facility. Furthermore, I can assure you that I maintain a 100 % payment history across all three of my credit reports and have never allowed myself to fall into delinquency with any of my bills. 

I have made numerous attempts to contact XXXX XXXX both by mail and in person to resolve this matter, but unfortunately, they have been unresponsive. I am deeply concerned about the accuracy of this debt being reported against me, as it is unjust and damaging to my creditworthiness. 

Additionally, I recently received a photo allegedly associated with this account, and the individual depicted is not me. This further confirms that there has been a mistake or identity theft involved in this matter. 

As someone who has never had a collections account on my credit report before, this situation is distressing and has the potential to severely impact my financial standing and opportunities. I kindly request that you promptly investigate this matter and provide validation of the debt, including any supporting documentation. 

Furthermore, I ask that you take immediate steps to contact the credit reporting agencies and have this erroneous information removed from my credit report. Reporting inaccurate information is not only unfair but also illegal, and I refuse to accept responsibility for a debt that is not mine. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.
Consumer complaint received 2024-05-05
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. (NM)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. From this account ( XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX ) ( XXXX SELF FINANCIAL/LEAD XXXX  ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2023-06-15
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-24
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. (PA)

I sent a compliant ( XXXX ) on XX/XX/23 in reference to this account being reported to my consumer report without permissible purpose. Understanding that I've never provided my " written instructions '' to you or any furnisher to furnish anything to my consumer report, im demanding that you send me a description of the procedures used to determine the " verify '' this account pursuant to 15 USC 1681i ( a ) ( 7 ).
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-24
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. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX
Consumer complaint received 2023-08-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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. (NE)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (CA)

Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number ( XXXX XXXX : XXXX Reported Date XXXX XXXX  ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX XXXX Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.
Consumer complaint received 2022-12-21
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Dear sir, I have noticed that I have received two emails from your company resolution specialists to my address, XXXX. The sender address of both is XXXX. The one is from XXXX. XXXX XXXX on XXXX on XX/XX/24. Another one is from XXXX XXXX XXXX regarding XXXX on XX/XX/24. Same as another complain ID, I can not find out the message or whatever in my Bank of America online website account, I decline to contact with them. From the beginning, I can not understand why every time new person contact with me with the issue which I can not understand and check through the company portal. If the person in charge will clearly state in written form the concerned issue, I will read and consider the matter in issue ; therefore, please prepare the written form officially for the consideration. 
Sincerely,
Consumer complaint received 2023-08-24
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. (GA)

I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account XXXX XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/2023 Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/2023 Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. 

This is not a request for you to verify these accounts by checking the original source you got the information from, which is redundant and a complete waste of time. 
This is me notifying you that my rights are being violated by your impartial reporting. It is a violation of my rights. Failure to correct is you being willfully noncompliant, which farther violates my rights and makes you liable.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Starting in XXXX of 2022 I received my Capital One/Walmart credit card statement with my full balance payment plus additional charges made via an online purchase for grocery items on XXXX separate dates for @ {$800.00} after the date of my last purchase and full account balance payment. These fraud charges were made for items to be picked up at a Walmart location in the State of Florida. After seeing these fraud charges I contacted Capital One Credit Fraud Department and reported the theft to a rep in the Fraud division. After reviewing the card activity the Rep instructed me to not make any payments to the account and that this would be resolved. He also went on to state there would be a revised statement sent to me with the theft charges dismissed. I later received a statement from Capital One /Walmart with these fraud charges still on my account with additional late payment fees. For the record the fraud orders for the groceries made on the XXXX separate dates where each cancelled. There was no exchange of merchandise made on either bogus orders. During the previous XXXX months I have on numerous occasions contacted Walmart and Capital One Reps to resolve this issue and each time had to explain in detail my hacked account. Capital One has been nothing but short of impossible to fix this and even implied that I made these charges. I cancelled my account with Walmart/Capital One and will not be doing business with either again. After XXXX plus years as a loyal customer and never a late payment there can be no words to describe how these business practices are allowed. There should be criminal charges investigated related to this event.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

I received an XXXX Credit Card in the mail today. I checked and it is currently active. I have not signed up for a new credit card. I have not authorized XXXX XXXX or Commenity Capital Bank to open a credit card under my name and it is now on my credit score. I would like to make a formal complaint as they are closed on the weekends and I won't be able to formally cancel this card until Monday.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (PA)

Affirm is fraudulently reporting an account as 30 days past due even after it was paid in full and Affirm themselves have confirmed via phone call that they report to the credit bureaus on the XXXX of every month. Each payment to them was made between the XXXX and XXXX of each month as displayed in the attached file.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NM)

A online checking account was opened in my name in XXXX XXXX.in which Wells Fargo bank let a e deposit go thru with my amended tax paper check by mobile deposit in XX/XX/2022 for the amount of XXXX dollars. Someone deposited my income tax check thru edeposit mobile phone check cashing system by taking a picture of the check. Later to withdrawal all funds by XX/XX/2022 without my knowledge or premission. I did go to my local Wells Fargo and spoke with the manager and in so doing she verified the online account and the check she gave me copies of the account and transactions.but never offered any kind of help and in the copies there was no picture id of mine no telephone number listed or verified. That was my amended tax check that I can't retrieve or recieve back due to this negligent way of check cashing online I lost everything and didn't get any kind of compensation or communication for this transaction until I spoke with the IRS whom told me that check was already deposited and cashed and I didn't do such thing or give anyone else to do so in opening a account online. The signature was not mine and why didn't the check have any id verifications such as needed to cash inside the bank??
Consumer complaint received 2022-09-10
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. (NC)

This is my NUMEROUS 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, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-10
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. (GA)

I was a victim of identity theft and I request to remove the information 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 accounts not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.