davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( items ). 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I made the reservation on XX/XX/XXXX and canceled it by XX/XX/XXXX. XXXX advised me to contact my bank during a phone call, even though I had canceled the reservation a couple of days in advance.
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have found fraudulent inquiries in my credit report.
Consumer complaint received 2022-08-11
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. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (AL)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}
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. (LA)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 — Account status incorrect
Company: EQUIFAX, INC. (LA)

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: Experian Information Solutions Inc. (FL)

1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2020-06-25
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. (NC)

I have been contacting the credit bureaus ( XXXX, XXXX  & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
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. (CA)

In accordance with the provisions outlined in the Fair Credit Reporting Act, I am composing this communication to formally request an immediate investigation and rectification of an account that appears to contain inaccuracies and incompleteness within my credit file, as follows : Equifax : NM CHILD SUPPORT Date opened : XX/XX/2012 XXXX Balance : {$0.00}. Furthermore, I hereby request thorough verification of the aforementioned account. Should you be unable to substantiate the accuracy of the provided account information to the fullest extent, I implore you to promptly rectify and update it accordingly.
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. (NJ)

Deducted XXXX points from my fico score for late payment that was there in error. for XXXX XXXX  change status but Credit Bureau did not give me my XXXX points back on my fico score in accurate information. They still will not give proper points back reading wrong across all credit bureaus.
Consumer complaint received 2020-07-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

My wife and I applied for a VA 15 year mortgage through Navy Federal Credit Union in XX/XX/XXXX. More than six weeks later, it was denied for inadequate income. Navy Federal would not consider the more than {$400000.00} in annual income we would receive from the XX/XX/XXXX sale of XXXX XXXX that we owned for more than 30 years. Subsequently, Navy Federal moved us to a conventional, 30 year mortgage at a higher interest rate. 

The failure of Navy Federal to act timely, to look at the source of our income and how long we had that income was unconscionable in our eyes. From day one, it was clear that we had sold our business and our principal source of income was now through a 20 year contract with the employees who bought the business. By the time Navy Federal acted, we were so deep into the process, we were compelled to continue on the path they directed or we would have lost the home. The sellers had grown impatient with the delays. 

Particularly egregious to us was that in reviewing VA lending guidelines, as set out in VA pamphlet 26-7, we should have readily qualified for exceptions to requiring we have our new source of income for 24, as well as 12 months. Prior to starting our own XXXX XXXX XXXX XXXX, I had worked for the XXXX XXXX XXXX for eleven years. Out of XXXX XXXX, I started with XXXX as a XXXX XXXX and worked my way up to XXXX and XXXX XXXX   XXXX positions before resigning to start XXXX XXXX. With a college education, more than 40 years of work in the field and substantial earnings both before and after the sale of XXXX XXXX XXXX XXXX, we easily met the VA guidelines which clearly set out that decisions as to income should not be mechanically applied, but consider on a case-by-case basis using education, experience and past income and the likelihood it would continue. Over the five years between XXXX and XXXX we averaged annual growth in excess of 30 percent. 

We do not believe Navy Federal acted in a timely manner to deny our claim, thus denying me an opportunity to go with another lender. Furthermore, we believe Navy Federal, through their actions and failure to follow VA guidelines, deliberately directed us to file for a higher rate conventional mortgage, thus allowing Navy Federal to make more money on the loan.
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC. (FL)

1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
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. (MA)

I sent a letter XX/XX/2024 Equifax and XXXX. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

According to the law 15 U.S code 1681a- Definitions rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information, shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this investigation
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. (TX)

I opened this account in XXXX, XXXX. The first payment was due in XXXX & paid as agreed. There is no congruency between Equifax, XXXX XXXX XXXX. Per 15 USC 1681 ( FCRA ) states there must be pure accuracy in what is being reported. In my case, there is not. It is causing inaccuracies across all XXXX of my report scores. I contacted XXXX XXXX  at the same time via mail on XX/XX/XXXX but have not received any correspondence to date.
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. (NC)

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I instruct XXXX, XXXX, and EQUIFAX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX, XXXX, and EXQUIFAX are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over 37 inaccuracies with XXXX, 32 with XXXX, and 17 with EQUIFAX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
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. (PA)

According to ( XXXX XXXX  ) response on XX/XX/year> there is no 1099-C for the XXXX XXXX  ending in XXXX. If there is no 1099-C than how is this account reporting as a charged-off account? 

According to Equifax a charge-off means the lender has " written the account off as a loss, and the account is closed for future charges ''. 

In XXXX response they stated the account is still open. Why is this account reported as closed on credit report? 

According to the IRS for the account to be " charged-off '' a 1099-c should be issued. Did XXXX truly charged the account off? Did XXXX XXXX receive tax benefit for this " charged off account '' CC : XXXX IRS
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

The Experian credit bureau is reporting a bankruptcy public record on my credit report. This is not my account and may have been the result of a breach. The XXXX  credit bureau has already removed this inaccurate bankruptcy from my credit report. I have disputed this item several times with the credit bureau.
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. (CA)

I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX 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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.