davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (GA)

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

These are fraudulent inquires that arent mine. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing 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 2023-06-05
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. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Product: Credit reporting, credit repair services, 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. (TX)

I contacted Equifax on XX/XX/23 to report unauthorized inquires and wrong addresses on my credit file. I show 5 inquiries that I did not authorize to be pulled : XXXX XXXX, XXXX from XXXX, XXXX XXXX XXXX XXXX, and XXXX. 
Wrong addresses of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative I spoke with Equifax Customer Service refused to correct my file by deleting the unauthorized inquries and removing incorrect addresses on my credit file.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I began disputing this fraudulent information back in XXXX of XXXX. I have done several disputes through XXXX, CFPB, the FTC, and with the company itself. The company responded to my previous CFPB complaint by stating that they've investigated the matter and concluded that I am falsifying my claim of identity theft " to clear up my credit ''. On XXXX XXXX I sent 800 Loanmart and the credit reporting bureaus copies of the following documents : XXXX Police Dept. report for Identity Theft, FTC ID Theft Report, ID Theft Affidavit, and my identification. Loanmart refuses to accept that they were manipulated into supplying a loan to someone that used my identity fraudulently. They also have responded by stating that they will not remove the damaging information from my credit profile, nor will they close the account for collections. I do not think they understand the concept of IDENTITY THEFT which means someone illegally obtained or retrieved access to my personal information and used it to illegally obtain services and or products. That means that the information they obtained to verify the loan they granted would of course be that of mines, and due to the fact that they forced me to use collateral for the only loan I did apply for and obtain in XXXX, that was also paid off in XXXX why would they allow another loan a year later and not require the same thing? that is a step in the direction of predatory lending. However, I did not apply for, nor did I obtain a second loan from this company, and I have submitted all documents to them that is required by law. If this complaint does not get them to comply with my request to remove this account from my credit report, I will pursue legal litigation against them.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Sys INCXXXX reported a collection on all my credit reports on XX/XX/2020 for XXXX and reported me late since XXXX XXXX. I never received a letter from this Collector or collection agency. I never received a call or a bill. I have no knowledge of this debt and I can't verify if its mines without a letter. I need this account removed! Thank you!
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX I log into my bank of america account online and saw some transactions that i did not make. I suspended my card so no transactions can be made. Call bank of america right after and while i was on the phone waiting i log back into my online account to look at the transactions again. But this time i wasnt able to. After waiting over an hour i finally got through to a customer service lady and was told i cant file any dispute until my account is not frozen. Was told XXXX did this because identification problem. So i ended up waiting over the weekend. By monday XXXX XXXX i check and was able to log back in. So i call the bank and after waiting over 2 hours i was transfer to fraud department and the lady file the disputes for me. Told me that i will get a letter in the mail within 5 days and for me to sign it and return it asap. So much was going through my mind. But i trusted the bank and did what she told me to do. I call in everyday to check the status of my claims everyday i waited over an hour and was told to just wait. So today 4 days later i call bank of america and after waiting 2 hours a lady in the claims dept answer. Her name was XXXX. She told me that last night XXXX XXXX at XXXX XXXX  close my account due to unemployment fraud so because of that my claims that i made monday got dismissed never work on or look at. I cant file another claim. We both went at it for over an hour by this time i was crying yelling trying to understand whats going on. Because my account was reopen on monday thats why i was able to make the claims and today XXXX tells me that my claims were dismissed due to XXXX  frozen my account. First of all my money in ny account where is it. Am i suppossed to just let it go? No someone stole XXXX out from my account and youre telling me theres nothing i can do? She kept on telling me that because their system pick that up from my account my claims were automatic drop. Wow i couldnt believe it. I just want my money. Thats all. I dont even know what to do at this point. XXXX told me that a police report wouldnt even help. So my money is gone. Its not right at all. I dont know what to do.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, at XXXXXXXX XXXX  someone broke into my car and stole my purse, my Old Navy credit card was in my purse among other belongings. 
I called Old Navy customer service and reported the card stolen at XXXX XXXX and requested to close the credit card. Two hours later I received a text from customer service notifying me of suspicious activities on the card. 
Whoever stole my purse used it at a near by Walmart and made XXXX purchases, {$200.00} each. 
I called customer service and asked for an explanation as for how they failed to close the account when I reported the card stolen, they said it's under investigation and that I should receive a letter within 7 to 10 business days regarding the issue. 
I haven't received any letters until today XX/XX/XXXX. 
When they sent me a new credit card later in XXXX, I logged in to the new account, it's not showing any transactions on XX/XX/XXXX, the day of the Fraud Activities, all it shows is a balance transfer from the old account to the new account for the amount {$1900.00} and I had to pay the balance hoping that they would resolve the dispute and refund me. 
I made several calls to the customer service, all I hear is the dispute is still under investigation. 
I don't have a proof of the fraudulent transactions because I no longer have access to the old account and all they display on the new account is a balance transfer. 
I don't trust the Old Navy credit card company because of their poor performance and probably ill intentions.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

On or about XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX in the amount of {$110.00}. A couple of days after I discovered the merchant was attempting to defraud me with their delivery claims. Since the merchant was unwilling to assist or rectify the issue, I initiated a chargeback with Citibank, the issuer of my credit card. 

On or about XX/XX/XXXX, Citibank posted a provisional credit of {$110.00} to my account pending investigation of my chargeback. 

Roughly one week later, XXXX XXXX XXXX was able to adjust the order to ensure it was delivered in line with their original delivery claims. Accordingly, I submitted cancellation of the chargeback to Citibank both online and via their customer service representative. I have e-mail confirmation of this fact. 

On or around XX/XX/XXXX, Citibank debited my account for the {$110.00} provisional credit given to me when I initiated the chargeback that I subsequently cancelled. 

Negligently, Citibank failed to really cancel the chargeback per my instructions. On or about XX/XX/XXXX, Citibank decided the chargeback in favor of the merchant and yet again debited my account {$110.00} as a result. They backdated that debit to XX/XX/XXXX. 

Citibank owes me {$110.00} and I want that money credited to my credit card account.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Dear Credit Reporting Agency Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX & XXXX - XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (TX)

These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
Regional Acceptance XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Someone got into my Citibank account and deposited two fraudulent checks for XXXX dollars a piece. One of the checks cleared and the person then took the money and used XXXX XXXX to pay themselves with the money. Afterwards the check bounced and I was left XXXX dollars in the bank. The individual even tried to pay XXXX dollars using my Citibank credit card to an XXXX XXXX, for products. I lost my phone and wallet when this occurred but was later recovered from the restaurant I was in. Citibank has informed me to not worry as they escalated the situation and closed my account and told me to open a new personal checking account. I do not want to be responsible for paying back the bank if they deem the investigation a failure. I do not have the money to deal with such a problem like this. This is very ridiculous and I just want to be protected at all costs.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-18
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. (LA)

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 have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$2900.00} ; CXXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

I had XXXX charges come out of my account on XX/XX/XXXX. On the second in morning two of those charges came out one for XXXX dollars and XXXX for XXXX, my account only had a few dollars at the time. So I was hit with two over draft fees of XXXX dollars. I called later that day and said I apologize but I came from a bank that didnt do overdrafts I forgot that was a thing, they said they could remove one which I agreed. They said if it goes to long without bringing balance up I will incur another fee and I said I get paid in a few day on Friday. The next day another autopay charge was taken I was charged another XXXX dollar fee and they hit me with a XXXX dollar tier 2 overdraft fee. Im just trying to figure out how someone with no money is supposed to bring their balance up when they keep tacking on fees, the bank I am talking about is KEYbank and they ended up charging me when all was said and done approx XXXX dollars in 3 days for overdrafting XXXX dollars through XXXX  services.
Consumer complaint received 2023-03-06
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. (TX)

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 have 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, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX