davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX - XXXX XXXX Acct # : XXXX - {$790.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$0.00} XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX Acct XXXX : XXXX - {$1200.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$300.00} XXXX XXXX Acct # : XXXX - {$0.00} XXXX XXXX Acct # XXXX XXXX - {$650.00} XXXX XXXX Acct # XXXX XXXX - {$0.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2020-03-07
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. (TX)

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 
fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NJ)

I tried disputing an erroneous bankruptcy that LexisNexis has been reporting on my credit report. On XX/XX/2019 and on XXXX XXXX, 2019 they received a copy of my dispute via U.S.P.S priority mail confirmation. LexisNexis failed to investigate or respond to my dispute. According to the Fair Credit Reporting Act, they had 30 days to investigate. They failed to investigate. This item must be deleted.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again ( XXXXPST ) and the message machine asked me to leave all of my pertinent information and that my call would be returned within one business day.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2019 I received notfication that a payment of {$130.00} was 30 day delinquent I reached out to the company COMENITYCAPITAL/XXXX to express my deepest apologies that I had been ill and bed ridden.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.
Consumer complaint received 2023-01-18
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. (AL)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-15
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-12
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. (LA)

My name 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 and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-14
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I paid a collection account to XXXX XXXX XXXX. This payment was to satisfy the balance in full. XXXX XXXX XXXX agreed to delete this collection from all three credit bureaus. As of XX/XX/2020 XXXX  and XXXX XXXX have both removed the account from my credit report. However, Equifax has not removed it nor have they updated the balance to {$0.00}. This account is reporting incorrectly and needs to be updated immediately for mortgage purposes. It should be deleted just like the other two credit bureaus. XXXX XXXX XXXXXXXX informed me all three credit bureaus were given the correct information. They stated they requested to remove the account from my credit reports.
Consumer complaint received 2020-01-14
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.
Consumer complaint received 2018-01-21
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: I.C. System, Inc. (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$170.00} Account Details Bureau Name CAPITAL ONE BANK USA NA Account Type Credit Card Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit {$300.00} Credit Used 135 % Highest Balance {$420.00} Payment Details Amount Past Due {$170.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$25.00} Payment Frequency Not Reported On Time Payments 50 % Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX XXXX Original Lender 11 XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 9 Months Credit Limit Not Reported Highest Balance {$1500.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender 10 XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$350.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported
Consumer complaint received 2022-11-12
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IL)

Were charged monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later.
Consumer complaint received 2024-03-13
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. (SC)

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 accounts need to be removed XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have found that there are financial discrepancies throughout the terms of this loan and have spoken to the lender and have gotten nowhere with them and my home went into foreclosure over mistakes of my lender and they keep running in circles and not fixing the problem. I can't afford a lawyer so I filed a chapter XXXX bankruptcy to stop the sale, hoping this could at least buy me time to solutionize this problem with the lender, m but instead they did not validate my filing and sold my home, I'm no lawyer but I believe that it is federal law when you file a chapter XXXX bankruptcy you are entitled to an automatic stay from 30 - 90 days which I did not get something needs to be done about this now or I will end up on the street and lose my home of 49 years cause of the banks mistake and because I can't afford a lawyer please help me, m have tried everything and the lender Champion Mortgages will not help this is a scam and a fraud on their part. I will up loan all the evidence and paperwork I have below. I am an elderly woman widowed and urgently in need of your assistance, this is my last hope. 
Thank you,
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MI)

I was given a XXXX gift card from a relative, had had problems from the beginning trying to use the card. when I went to a store in XXXX it was declined, I had never used the card. called the company and there was a XXXX withdrawl to XXXX new york. I have never shopped at XXXX. I have called the credit card company 5 times and have faxed all the info they have wanted from me 4 times. Now they state after over a month that they can not read the info, the faxed cards number 's will never be seen on a fax due to the picture on it, I was asked to supply all info, receipt, my drivers license, copy of the card front and back, my address, phone, name etc. 
the credit card company is abcorp. issued by U.S. Bank National Association. 
I did not use his card. I was asked my code when I was unable to use the first time. I think am employee of the company used the card, it was used on XX/XX/2022.
Consumer complaint received 2022-02-22
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)

Experian credit bureau has refused to obey the law section 605B of the fair credit reporting act, I have submitted all the proper documentation that that the law requires of me the consumer. I have provided all the identifying documents I have also provide the police report and identity theft reports from the ftc, Yet will has refused to obey the law and block these items in 4 business days or less. They claim that I have provided faulty or is faulty or fraudulent information in my request to have them block the proven information that does not belong to me by the police. They are lying and never providing any proof for their claims. They received information from the fraudster when he was using my information and they attempt to say that that was me even though the fingerprints prove it was not me. Fingerprints don't match means I am 100 % cleared by the police and the police provided these findings. Experian refuses to acknowledge this. I simply want them to obey the law.
Consumer complaint received 2020-03-07
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)

In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX to purchase a mattress. the loan was paid off in XX/XX/XXXX. 
I was advised be XXXX that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX   XXXX , XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX   sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX reported to Equifax that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XX/XX/XXXX,  XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX