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. (GA)

As a victim of identity theft, I discovered the following account on my report Fraudulent Account with XXXX XXXX ( Account Number : XXXX ) opened on XX/XX/2022, with an outstanding amount of {$660.00}.
Consumer complaint received 2022-05-30
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)

In accordance with the Fair Credit Reporting act XXXX  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, XXXX  XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-05-30
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: Early Warning Services, LLC (IL)

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. XXXX  info sols., ink., XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX  third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

XXXX XXXXXXXX XXXX XXXX XXXX- account # XXXX
Consumer complaint received 2022-05-30
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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. (FL)

Subject : Formal Notice of Violation of FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX SSN : | DOB : XXXX XX/XX/2024 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you formally that Equifax Information Services, LLC has breached the Fair Credit Reporting Act ( FCRA ) Section 611 Part ( A ) ( 1 ) concerning the handling of consumer disputes. 

On [ XX/XX/2024 ], I submitted a written dispute to Equifax Information Services, LLC, highlighting inaccuracies in my credit report. As outlined in the FCRA guidelines, credit bureaus are obligated to investigate and respond to consumer disputes within 30 days of receipt. Regrettably, it has come to my attention that your agency has failed to comply with this legal mandate.

While I acknowledge that a 15-day extension may be permissible under specific circumstances if additional information is provided by the creditor within the initial 30-day period, I have not received any communication from your agency acknowledging receipt of my dispute or providing a resolution within the stipulated timeframe.

I urge Equifax Information Services, LLC to promptly address the inaccuracies in my credit report and furnish a comprehensive response within the legally mandated timeframe. Failure to do so may result in further legal action.

Kindly confirm the receipt of this letter and provide an update on the status of my dispute at your earliest convenience.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the XXXX  business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my Medicare card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my XXXX  mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.
Consumer complaint received 2021-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have on numerous times sent by certified mail requested XXXX and Transunion to validate the XXXX  collection account as I have no knowledge of this account. This account XXXX belong to my XXXXXXXX. All I get back from these XXXX credit bureaus that its " factual and updated ''. Why does this means? Why can they not send proof such as signed contract? Please demand these XXXX bureaus to comply with my numerous requests for validation. I have attached proof of my requests/communications with the bureaus. I am trying to work with them without success. As a consumer, my rights have been violated under the FCRA XXXX.
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-30
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: Early Warning Services, LLC (IL)

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX ( XXXX Va XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 
XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2021-10-30
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. (NV)

I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX  days. It has been almost XXXX  days and I'm an in my right to ask for all the items to be taken off
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NV)

I am submitting to request the REMOVAL of several credit inquiries again that were unauthorized from my credit reports. On XX/XX/XXXX, I received a copy of my credit report and became aware of these inquiries that I did not authorize were still reporting in my file. They are as follows, along with this inaccurate address : XXXX : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. Attached here was my new FTC report with number XXXX.
Consumer complaint received 2022-05-30
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. (MO)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX found in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Consumer complaint received 2022-05-30
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/ 2022 to update this suspicious information. I think you have not validated this account 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 ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (VA)

I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling me.
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I am a homeowner, financed by Ocwen. I lost my job in XXXX, applied for mortgage assistance and XXXX ; both through Ocwen. After many tries, an intent to forclose was filed. Months later a trial modification was approved for XX/XX/XXXX ; which continued payments through XXXX. After this period the modification was denied. About 3-4months later, Ocwen called to say they would reconsider a newly filed application. This was approved for trial XX/XX/XXXX ; and to resume payments. XX/XX/XXXX Ocwen told me that FHA Regulations would not allow for modification. Each arrangement ended with a refund of mortgage and overpayment of escrow. I am now facing forclosure again. I have been working with HUD counselors throughout the process. Please advise me. Thank you.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NE)

Our Chase Amazon XXXX credit card was charged multiple times at XXXX XXXX for what was determined to be gift cards in the amounts of {$100.00} and {$150.00}. Credit card company doesnt believe us that we didnt make these purchases. Sheriff dept in the county where we live even did an investigation where it was proven through video surveillance cameras that we didnt make these charges. They were fraudulent charges. The sheriff even sent his investigative report to the credit card company. He has also spoken with the fraud department within Chase card services to explain that these were fraudulent charges on our account. They still dont believe us that the charges are fraudulent. Weve contacted our attorney now, and shes sent us to this website to try to get some help. The dates and charges are as follows XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00}
Consumer complaint received 2022-05-30
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. (FL)

My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.
Consumer complaint received 2022-05-30
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. (FL)

My acct was with XXXX and I had a payment plan with them back in XXXX But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.