davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a matter of urgent concern regarding fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, severely impacting my financial standing. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I took immediate action to dispute them through the appropriate channels outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the gravity of the situation and the potential consequences for my financial well-being, I urge you to expedite the investigation and removal of these fraudulent items from my credit report. Timely action is crucial to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the urgency of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and pursue legal recourse to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it demands. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I was a victim of XXXX XXXX and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.
Consumer complaint received 2023-07-13
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)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-10-07
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. (OH)

I had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have unknown addresses and misspelled names on my file as well.
Consumer complaint received 2020-12-08
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. (NJ)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2016-12-01
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY (PA)

Our complaint is directed to the possible discriminatory review and decision practices of Wells Fargo. My son originally applied for a loan with Wells a year ago whom he 's had his bank account with for XXXX4 years now & he needed a creditworthy cosigner at which time I applied. We were turned down as my score ( XXXX ) was well below their minimum. Fast forward seven months, I worked on improving my credit score by XXXX points, have had ( as always ) a good paying, stable job, ( my son works 36 hours while remaining a FT student! ) so we should be in great standing yes?! Apparently not good enough for Wells Fargo. After my son looked online and received the decline, I phoned Wells, spoke to " XXXX '' who attempted to decipher why we were declined citing 60 day late payments ( of which there are NONE! ), public records ( had a bankruptcy discharged THIRTEEN YEARS AGO! ), how my credit history was n't long enough ( have had XXXX separate car notes over a span of 12 years including XXXX current ones, mine and the XXXX cosigner for my son, & the same credit card paid on time for over 8 years ) and score?! I informed the rep at Wells how I 've worked exhaustively hard directly with the exact credit reporting agency ( XXXX ) to improve to a XXXX score, the same agency Wells reportedly uses. I also questioned the differences in the information as what was depicted in our conversation, also in the letter later to follow, of how the same agency reported my score XXXX points higher than listed ( Wells lists my score at XXXX ) ; how there are NO 60 day lates listed, etc. No answers, just a half hearted apology and try again (? ). We did and have been doing everything to put us in creditworthy status. We both my son & I literally kill ourselves to continuously be rejected? We 're hard working, honest, dependable American citizens living to be contributory to our society however if we were n't, if we came from foreign soil, we 'd be more able to get a loan (? )?! Why are we able to get a car loan quicker, easier than a student loan? My DTI is at 23 %, he 's working more than he 's being educated. What is considered creditworthy? We 're being isolated, discriminated based on being ethnic hard working Americans. I believe is yet another unethical, dishonest and discriminatory practice on dealt of Wells Fargo that needs to be investigated. I 'm quite sure we 're not the only ethnic Americans this has happened to.
Consumer complaint received 2023-07-13
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. (MA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Companies switched companies and gave a stolen Id debt to the new company. the bureau validated " A debt '' without the consumer, which is me. Im particularly writing because of the Federal laws broken that i added to this file. this company is in violation of many laws and i am pursuing further actions because of so. As the consumer, i never gave written consent to post anything about me on my consumer report. which by law is considered theft 15Usc 1681 b - permissable purpose.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have unknown addresses and misspelled names on my file as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity was stolen back in XXXX  XXXX. I couldnt figure out what was going on with my credit or my computer until I cashed my cell phones and I saw my mother-in-law information. Her name is XXXX XXXX she hacked all my devices and this business popped up Trans Union XXXX XXXX was running my credit every other day. I have a lot of information on this individual that owns that business. I need some help Im 100 % positive. That is my mother-in-law thats behind all of this fraud. She has multiple businesses online and she uses the dark web to make transactions I know because she was doing it to me. Ive been going through this for four years already. Please help. Her address is XXXX XXXX XXXX XXXX XXXX ca XXXX I already filed a complaint with the FBI IC3 state attorney, but I have not gotten anywhere so I need your help
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (NC)

Since XXXX I have been trying to get Suntrust to report that I have consistently made my mortgage payments on time. CFPB reached out to them in XXXX of this year and Suntrust immediately sent me a letter stating they would fix the incorrect information they had been reporting which stated my payments had been 60 days late for 2 1/2 continuous years. Instead of correcting their error they removed my account from the three bureaus and are reporting nothing as of XX/XX/XXXX.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

XXXX Exquifax, and XXXX has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-02-20
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (OH)

This is a follow-up over an issue I have over Complaint Number XXXX. I also request to see a certified copy of any contract or agreement between XXXX XXXX XXXX and the original creditor that I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX. I had a dispute with the original creditors that has been resolved and yet the negative items still remain on my credit report. I file this complaint back in XXXX of this year and never recieved any letters back from the credit bureaus or the 3rd party companies.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-20
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. (MD)

The accounts that are not recognized are 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
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP (NY)

Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). 

XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. 

The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. 

CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal and updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX