davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (CA)

I'm 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-09-15
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. (CA)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! EQUIFAX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/XXXX. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I sent a request to AFNI, Inc via certified mail XXXX XXXX XXXX XXXX XXXX and AFNI, Inc has not responded and did not provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I send a wire transfer to XXXX XXXX XXXX on XXXX XXXX for amount of US {$100000.00}. but XXXX hours latter on the same day I canceled/recall the wire transfer after one week I ask the bank ( Chase Bank XXXX XXXX my recall they give me the case number about the recall, Case Number : XXXX XXXX almost every one or two weeks I ask my bank about the recall, until today XXXX I still don't get my money back to my account. 
Please advice
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MST Financial Services, L.L.C. (IN)

CHAPMAN KEPT CALLING AND COLLECTING FAMILTY MEMEBERS, WENT ON MY CREDIT W/O VALIDATION IN VIOLATION OF FCRA, FDCPA, TCPA.
Consumer complaint received 2022-11-13
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: Grant Mercantile Agency (CA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2021-11-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-21
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 — Investigation took more than 30 days
Company: CBC Companies, Inc. (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MN)

A debt collection agency called about a line of credit that I had repaired in XXXX.The loan was taken out in XXXX  in XXXX XXXX  XXXX 
That was where I was living at that time. 
I am having identity theft going on now. I can not reach XXXX or Equifax, I can not sign in to either of the websites or apps. A man by the name of XXXX XXXX XXXX has stolen my identity and is using it as a weapon against me. He lives in XXXX XXXX XXXXThe other one involved is XXXX XXXX, he is living at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX he is one of the major ones working for XXXX XXXX XXXX to destroy my credit they stole my XXXX XXXX XXXX check from my mail box I never recovered the check Please stop these vicious criminals and put them behind bars
Consumer complaint received 2022-09-15
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Equifax. Also I have sent my FTC report and my Police Report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus on XXXX  to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I called Citizens Bank to ask how I get a statement ... .I was looking for a {$40.00} or {$50.00} check I wroth the IRS XX/XX/XXXX or XX/XX/XXXX ... ..my bank only keeps statements on line for 18 months. So I missed it by 4 days ... ... I was told that the bank could mail me a copy of XX/XX/XXXX If check not there, I could then get XX/XX/XXXX. The next day my account was debited {$120.00} for the statement ... ... ... .I called the bank ... was the put to a supervisor was was going to get back to me ... ... .I am stilll waiting ... ..Who in there right mind would generate a Debit for {$120.00} for a canceled check that 3 days prior could of gotten off their I pad? .. I was ripped off ... ... .looked on line. There is no mention of a {$100.00} to reproduce a statement. No one told me at the time on the phone ... ..not fair to the client
Consumer complaint received 2022-09-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-15
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. (NJ)

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

My son went to the hospital ER for a injury, he's a Jr and a adult at the time of the visit. Some how the hospital used his birthday and my social security number and now a collection company called PHOENIX FINANCIAL SERVICES LLC has been putting the bill on my credit report despite my effort of contacting them and them agreeing to remove it because the social security number and birthdate is not a match. Also during the time this was created I had medical insurance through XXXX that covered me 100 % ( Care Source ) This is not my bill and I have been dealing with this for years and I'm not getting no where. They took it off once but now the posted it again. I even disputed through all three credit reporting agencies.
Consumer complaint received 2022-11-13
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)

EQUIFAX XXXX. With intent shared private and protected information about cosumer information that XXXX XXXX. is aware of that via FEDERAL LAW XXXX HAD BEEN TOLD BY THE CREATION OF XXXX XXXX. XXXX AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/XXXX - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/XXXX. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. " COMPANY RESPONSE STATED- Company 's Response- The account has been returned to XXXXXXXX XXXX XXXXXXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHOULD SEND TO THE CONSUMER, AN ORIGINAL DOCUMENT ON ORIGINAL COMPANY LETTERHEAD THE WRITTEN STATEMENT TO THE CONSUMER AND APOLOGY FOR ALL WRONG DOING ON BEHALF OF THIER CLIENT - XXXX XXXX XXXX XXXX - AS WELL AS THE RETURN OF ALL ORIGINAL DOCUMENTS FRAUDULENTLY TAKEN TO INVADE MY PRIVACY WITHOUT CONTRACT, " WET SIGNATURE, '' FRAUDULENT VALIDATION TO ACT AS A THIRD PARTY OR PRETEND TO FALSELY CLAIM THEY WERE ATTORNEYS XXXX VIOLATION OF FDCPA, FEDERAL LAW, & DTPA PLUS THE CRA VIOLATIONS/ DEFAMING & IMPACTING CONSUMER 'S CREDIT SCORE WITH INTENT WILLFUL AND NEGLIGENT COMPLIANCE TO DO SO.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. 
Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. 
It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.
Consumer complaint received 2022-11-13
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)

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 against you!
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX