davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2024-02-13
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-01
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am not liable for this debt with 12 CREDIT ONE BANK N A, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Consumer complaint received 2024-02-13
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. (NC)

I recieve emails and letters from the XXXX bureaus saying I'm using XXXX party wihich is wrong. 
Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Please delete the following inquiries : Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$19000.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$1800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX & XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account balance : {$7800.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XXXX. XXXX, XXXX
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CO)

This is in response to complaint # XXXX. They attempted to resolve it by providing an email address, but they refuse to answer my email. 

The document they are requesting doesn't exist. They want a bank statement with my debit card number on it, but bank statements don't have debit card numbers on them. My bank statement has my name, my account number, my routing number. And I sent them a list of the transactions for the debit card so that they could cross reference. 

Yet, they have refused to call me or email me or contact me in any way whatsoever. I can't call them because they claim the people who are overseeing frozen accounts don't have phones.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

1.XXXX  XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX  5.XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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. (MD)

I have unauthorized and fraudulent inquiries on my report. 
XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax According The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies they must be removed immediately.
Consumer complaint received 2020-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

This account was bought out by XXXX XXXX  XXXX  and was paid and closed. Santander is still showing on my credit report even after XXXX bought the account and stopped reporting the account. I have contacted santander by phone and email to remove the account from reporting to the credit bureaus
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-07-01
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. (CA)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2024-02-13
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)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax 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 . 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, my FTC report number was XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-13
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I received the following text message from this number XXXX ( XXXX ) XXXX pretending to be Citibank. 

Citi-Bank Alert : We have confirmed your recent telephone request to change your Online User ID. visit XXXX XXXX XXXX to report this action. 

Of course I ignored it. Please investigate this scammer. Thanks. 

XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To : XXXX, XXXX XXXX and Equifax From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX  ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Consumer complaint received 2020-07-01
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am highly upset the credit agencies have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mines to be deleted and block from my credit report immediately. It's been more than 30 days, and I haven't received anything. I've did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately delete and block them. Also, section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my notarized letter I am demanding these items be deleted immediately or I will have to file litigation due to the stress you are causing to me and my family. I am authorizing this investigation this is not a third-party company.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have Capital One Investigated. By law Capital One and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.