davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (NY)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NC)

On XX/XX/2023 I became a victim of fraudulent charges on my Square debit card. There were a total of XXXX unauthorized transactions on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made Square aware XXXX the charges on XX/XX/2023. The Rep, XXXX, was sorry this happened to me and assisted me with disputing charges. During the call I disputed all charges. XXXX assured me someone will be reaching me if they needed any additional information. XXXX also stated that all charges were made online. 

XX/XX/2023 I received numerous emails from Square stating that these charges were found to be fraudulent and my account will reflect the refunds within 5-10 business days. I received all with the exception one charge back. 
XXXX {$510.00} HAS NOT BEEN REFUNDED Ive called Square every business day since XX/XX/XXXX asking to speak with a manager and dispute team. Ive been told every conversation that the teams communicate via email no phone calls, however, no one has reached back to me in this matter only reps. I get told every day that Im requesting a thorough investigation on my account but I am not getting anywhere. This is the first time this has happened and I feel like I reached a dead end. I hope someone can help me receive my money back
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Someone stole entire purse with forms of ID and social security cards and my cell phone that was logged into my mobile banking. I have a police report and proof to show that someone stole my stuff and information and did the things my account was closed for. I was relying on my direct deposit. My rent is due. And they won't let me access my money or account they just closed it before ever giving me a chance to come in and show them the police report and to prove the fraud wasn't me. They closed it without ever giving me an opportunity to replace my stolen ID and come into the branch. The people who did this changed my username and password to my online account using the phone they stole from me
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

Jefferson Capital is reporting a debt on my credit file that needs to be removed. I recently looked at my credit and noticed this debt on my file. This account is past the credit reporting limit under the FCRA guidelines and needs to be removed.
Consumer complaint received 2021-06-24
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. (FL)

There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.
Consumer complaint received 2022-04-19
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern : I thought this case was resolved accurate due to the fact I went to mediation on XX/XX/XXXX with Capital One attorney and was told they was going to dismiss all debt without prejudices. Since the ruling Capital One has continued to report negative allegations to all 3 credit bureaus and this has continued to damage my credit. 
Capital One has reported the account as a charged off account as well as written off and past due as of XX/XX/XXXX. In the same month they also reported paid, closed/ never late on other incidents on my credit. The inconsistencies in reporting have caused some discrepancies in my credit report and I would like for Capital One to correct these findings. I think its fair for Capital One to update their reporting on this account as closed as of XX/XX/XXXX once the courts resolve the matter and said it will be deleted with a zero balance per court record states. 
The false reporting has ruin my credit profile and got me in a situation that i cant move forward from this financial hardship that i have been experiencing because of the false reporting and everything had been resolved already thru the court and ordered by the judge and both parties had agreed that matter was solved and resolved. 
Please review the enclosed documents. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Shellpoint Mortgaging Service has lost four of my payments from the Cares Act program. The first payment was made end of XXXX. The check was cashed XX/XX/XXXX. The second was sent XXXX the third in XXXX. They have lost all the checks or applied to someone elses account. I have conferences call Shellpoint with the Cares Act people twice. I have called Shellpoint since XX/XX/XXXX almost every day with no resolution. I will now seek an attorney
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
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. (MO)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MI)

XXXX XXXX, and equifax has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent equifax a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to equifax as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (FL)

Someone applied for an {$88000.00} small business loan through the US Small Business Administration. This is fraudulent as I have never applied for credit of this kind with any company. Someone has obtained my information and used it to apply for a loan.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (LA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are appearing on my credit report. The accounts in question are as follows : XXXX XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX XXXX account number XXXX, charge off account XXXX XXXX XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXXXXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX  XXXX account number XXXX, charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX, collection account I am disputing these accounts for several reasons, including but not limited to the following : The debts have already been paid in full and should not appear on my credit report. 
The debts have been settled or discharged through bankruptcy proceedings. 
The accounts do not belong to me and XXXX be the result of identity theft or a reporting error. 
The accounts contain inaccurate information or have been reported in error. 
I am requesting that these accounts be thoroughly investigated and, if found to be inaccurate or unverifiable, be removed from my credit report immediately. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any disputed accounts within 30 days and respond to me with your findings. 

Please let me know if you require any further information from me in order to investigate these accounts. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have previously submitted valid Identity Theft reports to XXXX XXXX, and Transunion # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KeyBridge Medical Revenue Management (OH)

Same phone number from Keybridge calls XXXX  days/wk. often hangs up partway through call and when voicemails are left refers to a name that isnt mine. Occurs cyclically, have been receiving calls in some form or another since late XXXX
Consumer complaint received 2023-05-09
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. (PA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-16
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. (NJ)

This complaint addresses an account that was reinserted into my credit report after I had previously disputed it. The reinsertion occurred without following FCRA procedures on conducting such actions. The information in question remains unverifiable and inaccurate, and there was no certification of its accuracy before the reinsertion as mandated by law. I did not receive any notice of the reinsertion, nor a copy of my credit report within the required 5-day period. I have no received required information on all the parties/furnishers involved with the connection of reinsertion of this account and additionally, I was not provided with the results of the reinvestigation, including any details or proof justifying the reinsertion of this account.These actions violate the guidelines set forth under the FCRA and negatively impacted my credit stability. Furnishing inaccurate accounts without adhering to the FCRAs procedures is unlawful. This constitutes a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ), and represents a failure of your duties as a consumer reporting agency.
Consumer complaint received 2024-10-16
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 am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (TX)

I have tried disputing with all three credit bureaus and included police report as well with Federal trade commission report I have asked all three credit bureaus to send me documentation with my signature on what was allegedly owed and the fail to do so and ignored my request coming to cfpb is my last resort before i file legal actions against all three credit bureaus for not complying
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

10 minutes ago just spoke with XXXX OF EQUIFAX UNLESS SHE IS LYING ABOUT HER COMPANY ID. 
I asked for help with online access ... the same problem I HAVE NOTIFIED THEM ABOUT FOR OVER A YEAR. XXXX SAYS SHE CAN NOT FIND MY DRIVERS LICENSE ON FILE WITH CORRECT ADDRESS EVEN THOUGH A EQUIFAX MEMBER VERIFIED THAT THEY HAD IT ON FILE OVER TWO WEEKS AGO ... 

WHY IS THIS COMPANY COMPOSED OF FOREIGN NATIONALS WHO ARE CLEARLY INCOMPETENT AND XXXX 

SHE SAYS I NEED TO SEND IN THE ID AGAIN ( BECAUSE THEY LOST IT? ) MY DRIVERS LICENSE, SOCIA ; L SECURITY CARD AN EQUIFAX MAILED RESEARCH REQUST FORM WITH IMPRINTED CONFIRMATION NUMBER, WILL ALL BE ADDED AS AN ATTACHMENT TODAY.. 

I AM ALREADY ANOTHER UNPAID VICTIM OF EQUIFAX ' DATA BREACH SUFFERING THE AFFECTS OF ID THEFT FOR YEARS NOW. 

I WANT THEM TO IMMEDIATELY CLEAR MY ONLINE ACCESS SO I CAN GET THE WEEKLY REPORTS MANDATED BY CONGRESS IN XXXX XXXX XXXX THAT EQUIFAX WILL NOT DELIVER ONLINE.. 

AS A MATTER OF FACT THEY WILL NOT GIVE OUT ANY CURRENT INFORMATION.. 

THE LATEST EQUIFAX UPDATE ON XXXX XXXX SITE FOR EQUIFAX IS XX/XX/XXXX ... IT IS USELESS AS EQUIFAX EMPLOYEES IN THE XXXX, HOWEVER MUCH I LOVE THE XXXX XXXX CONSTANT GOOD ACTIONS ... HIS COUNTRYMEN WORKING AT EQUIFAX HAVE BEEN NOTHING BUT OBFUSCATING TIME STEALERS UNABLE AND UNWILLING TO ACCOMPLISH ANY OF CONGRESS ' MANDATED DUTIES OF CREDIT BUREAUS