davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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)

Again, I was a victim of identity theft and this is another 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 items 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. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX, LL XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-28
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)

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX. Im requesting for XXXX XXXX  to be removed as well for reporting illegally according to the IRS.
Consumer complaint received 2023-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$7.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (OK)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

i opened a citi checking back in XXXX. 

here is the offer terms. it is still an active offer. 

XXXX XXXX XXXXciti.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i called citi before applying and they confirmed i qualified for this offer. 

i then applied, was approved and met the terms of the offer. despite the same, the bonus of {$300.00} never posted. i called in and week after week i was told " you met the terms, but just wait for the {$300.00} bonus to apply ''. on XX/XX/24, i called citi again as bonus still hadnt posted. this time the agent alleged that i was never qualified for the offer because i previously had a citi checking account in the past. they refused to do anything to help. this was a blatant bait and switch when i was told i qualified for the offer and met the terms.
Consumer complaint received 2023-05-20
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. (WI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-11
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: Sequium Asset Solutions, LLC (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, SEQUIUM ASSET SOLUTIONS INC # XXXX.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. Im attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (AR)

As I investigated my credit report, I found out that some of the information was erroneous. Equifax Credit Bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : US DEPARTMENT XXXX EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00}.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; 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 persons knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

I was denied a loss mitigation package and was not given the option to appeal. My package was denied XX/XX/XXXX and my home was sold XX/XX/XXXX. I was required to turn in the same documents over and over again and turn in a new loss mitigation package after they said the one I turned in was not complete when it was in there system and consider facially complete. They also took over 30 days to evaluate the completed package.
Consumer complaint received 2023-02-28
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. (FL)

The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (IN)

I 've been receiving calls from First Recovery Associates. They say that I defaulted on a payday loan from CP Investors back in 2013. They have my social security number and current bank account number ( had a different bank account in 2013 ). I have never applied for a payday loan. When I tell them this, they hang up on me. They will not leave me alone and I know they are trying to scam me, but still have my personal information.
Consumer complaint received 2023-02-28
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. (WA)

Please note, this is not a duplicate complaint, this complaint is due to Transunion keep refusing to investigate into existing problem and keep reporting incorrect account on my report. 
I am not using any third party for this matter and I have a rights that investigate to be done. Credit reporting laws assures that buraus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything reporting on my credit report is correct. 
Please provide me with the following items : Pay of discloser Date of open an account Interest rate Disclosure Balance history Payment history from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and from XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Validate Account XXXX XXXX XXXX I respectfully ask you guys to provide some kind of proof of this is alleged item, specifically the contract, code, or other information bearing my signature. 
Additionally, please provide the name, address, and the telephone number of credit grantor or other subscriber. 
I also aware that under federal law, you have ( 30 ) days to complete your re-investigation. Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, so be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (FL)

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXXXXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.
Consumer complaint received 2023-05-20
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.