davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Since XXXX XXXX, 2015 I have been a victim of identity theft. I have subsequently over XXXX fraudulent disputed just this year alone. I also have approximately ( XXXX ) disputed still outstanding and awaiting for the response. through out this process, I have had a very difficult time with regards to conflicting information from both the Equifax Fraud department as well as their Office of Consumer Affairs. As of Wednesday, XXXX XXXX, I reached out to the Equifax Executive office to ask for help with all of the inaccurate information, due to Equifax 's ' own negligence particularly with the Office of Consumer Affairs, ( contact dealing with my case XXXX ), that I felt I needed help from someone with the autonomy that could actually right the blatant disregard exhibited by Equifax to date regarding my credit file. As of today, I have been dealing with XXXX XXXX XXXX ( Office of Executive Consumer Affairs ) to whom has now reinserted an account that was previously disputed as fraud in XXXX 2015 and subsequently deleted permanently from my file on XXXX XXXX, 2015. Since XXXX XXXX has taken over my investigation, she has made numerous acts that clearly violate the FCRA. The most recent of which has now reported on my credit file as of today, XXXX account XXXX XXXX XXXX XXXX. This is just XXXX example of her negligence. This is a violation that needs to be addressed immediately. I have attached a copy of the credit report that shows the deletion of this account ( Confirmation # : XXXX ).
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-23
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. (KY)

I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

Experian : I noticed an inquiry from the below entity XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


XXXX  : I noticed an account that does not have a name but shows the following info Account number XXXX  Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX XXXX  and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. 

Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-08
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. 

One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. 

Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. 

In XXXX of XXXX, XXXX moved the account into collections at IC System. 

After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. 

In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. 

It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. 

Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. 

Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. 

XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. 

Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.
Consumer complaint received 2024-03-09
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. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX XXXX XXXX  Someone illegally obtained my information and opened fraudulent accounts and used XXXXXXXX XXXX XXXX XXXXXXXXXXXX which I have NEVER lived in that XXXX  unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on TransUnion and XXXX as I am able to lock/freeze my report now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXX XXXX XXXX XXXX  Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX  as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXXXXXX XXXXTransunion, XXXX, XXXXXXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson and Kennard (CA)

On XX/XX/XXXX, I received a letter from my employer stating that Nelson & Kennard ( XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, CA XXXX ) had received a judgement against me ( for a debt from XXXX XXXX XXXX, XXXX back on XX/XX/XXXX ) and that my wages are now being garnished for {$12.00}, XXXX beginning XX/XX/XXXX. 
Please note that I never received a summons to appear in court regarding this matter, nor did I receive any communication regarding this Superior Court of CA XXXX XXXX XXXX XXXX XXXX XXXX Case Number XXXX. 
I contacted XXXX in XX/XX/XXXX, because I was disputing their debt amount appearing on my credit file. They wrote back to me ( in XX/XX/XXXX ) stating that they could not identify my account based upon my name and credit information provided.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT # XXXX, XXXX  XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My complaint is about chase closing my credit card for unreasonable reasons and failing to provide reasonable follow-up. 

I successfully applied for and got a chase XXXX XXXX credit card ( end in XXXX ) on XX/XX/XXXX. However, chase closed this card on XX/XX/XXXX. But chase couldn't give a clear reason in the notification letter. When I communicated with the chase fraud department for the first time, they gave me the reason that I did not submit the w9 form as required by the previous letter, and provided me with a solution, as long as I resubmit the w9 form, they will help me reopen this credit card account. This communication is marked on my case. 

I looked at the letters that chase sent me in XXXX and XXXX. In the letter, chase only asked me to submit a copy of my social security card, NOT asked me to submit w9 form. I also faxed a copy of my social security card through fax from the local branch on XX/XX/XXXX, as requested by the letter. So I think it's not my fault that chase didn't receive the w9 form, it's caused by chase. This account closing reason is unacceptable. 

In order to reopen the card as soon as possible, I followed the customer services suggestionson, on XX/XX/XXXX and XX/XX/XXXX, I submitted all the materials that the chase may need by fax and secure message, including the copy of credit card, copy of SSN card, copy of driver 's license, SSA-89 form, W9 form and letter from chase. 

After I submitted all the materials, I tried to communicate with chase again, but no progress. In the 40 days from XX/XX/XXXX to today, I visited the local branch twice, made more than 20 calls to the different customer service departments of chase, and sent two secure messages. But no one can help me. The local branch suggested that I contact the phone customer service, and the phone customer service suggested that I seek help from the local branch. One of the experiences that XXXX me off the most was my phone being transferred to 6 different departments in turn, but each said it wasn't their area of work. Every staff could not help me or even seriously understand my situation other than saying that they work according to the procedure. I had no choice but to file a complaint with the Consumer Financial Protection Bureau for help.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXXXXXX  with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my Equifax or XXXX account balances had changed- they did not. I filed a dispute with Equifax on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Consumer complaint received 2019-06-12
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)

I received an alert through email showing I had a new collection on my credit report from XXXX XXXX  XXXX, with the original creditor being XXXX XXXX XXXX. I spoke with both XXXX, who couldn't find the debt under my name or date of birth, and the collection agency. The collection agency stated they reported the ARC debt under a DIFFERENT XXXX XXXX with a DIFFERENT DATE OF BIRTH. However, Equifax put this debt on my credit and now I have to wait 30 days for the " dispute and investigation '' to be completed. They made a very big error and now my credit score is going to go down because of their mistake. I shouldn't have to wait 30 days for this dispute to be completed and for this debt to be removed. Equifax screwed up and the debt needs to be removed IMMEDIATELY ; not in 30 days.
Consumer complaint received 2022-10-14
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)

These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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. (LA)

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2019-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, XXXX AND EXPERIAN AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED