davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXX Bank ( Account number XXXX ) Mortgage loan opened XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ) Revolving account opened on XX/XX/XXXX at XXXX Credit ( Account number XXXX ), Revolving account opened on XX/XX/XXXX at XXXX ( Account number XXXX ) Revolving account opened XX/XX/XXXX at XXXX ( Account number XXXX XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX ( Account number XXXX ) XXXX XXXX all inquiries as I have not applied for any credit within the last 2 years. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (TX)

After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.
Consumer complaint received 2022-10-04
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: The Receivable Management Services LLC (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by RECEIVABLE MANAGEMENT. While checking my credit report, it came to my notice that RECEIVABLE MANAGEMENT has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by RECEIVABLE MANAGEMENT will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or RECEIVABLE MANAGEMENT, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-10-04
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. (PA)

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, Transunion and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # 1 : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # 3 XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither XXXX or Transunion has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

American Adjustment Bureau. Inc. Is incorporating small debt accounts into large amount in order to post on credit bureaus as a threat to pay. CT. law does not allow posting of debts under {$500.00} to buresus.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (MS)

PENFED CREDIT UNION has violated my consumer rights, discriminated against me, and discouraged me as a consumer. On XX/XX/2022 I opened a consumer account with PENFED CREDIT UNION and deposited {$100.00} into my savings account over the phone with an employee of PENFED CREDIT UNION. Upon my discovery I had an adverse action letter sent to me via mail from PENFED CREDIT UNION. The adverse action letter stated the following : I can't open an unrestricted account/checking account, all my check deposits will be held for 5- business days, all my deposits will be held for 5 business days, I can't do any ACH transfers and only direct deposits are available. PENFED CREDIT UNION reason behind this action they stated is erroneous and violates many federal laws that protect consumers. PENFED CREDIT UNION reasons for violating my consumer rights came from the consumer reporting agency called XXXX. XXXX has recently been sued with a class action lawsuit for erroneous credit scores of millions of consumers, including me and PENFED CREDIT UNION made their decision to violate my rights based off of XXXX erroneous data. PENFED CREDIT UNION has broken multiple laws from the CONSUMER FINANCIAL PROTECTION ACT and EQUAL CREDIT OPPORTUNITY ACT. I feel so discouraged and discriminated against by PENFED CREDIT UNION. They were willing to accept my deposit but keep me from doing banking for my personal, family and household purposes.
Consumer complaint received 2021-01-25
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I placed a {$300.00} deposit payable to Flash Pack, a travel company, for a XXXX trip to XXXX XXXX that should have taken place in XX/XX/XXXX. On XX/XX/XXXX, I paid the remaining balance due of {$2400.00} for a total paid of {$2700.00}. These funds were paid with my Chase Visa Credit Card. Unfortunately due to COVID, the trip was cancelled. Then on XX/XX/XXXX I was informed that Flash Pack had unfortunately gone into administration ( bankruptcy ) and I was told by the Merchant ( Flash Pack ) that in order to get my money back I would need to dispute the charges with my credit card provider, I did so and Chase Visa credited my money back within 24 hours. However, in XX/XX/XXXX I was informed by Chase Visa that XXXX, the company that took over XXXX XXXX, disputed my refund and the charges again appeared due on my account. I have continued the dispute with Chase Visa since XX/XX/XXXX however they informed me as of today ( XX/XX/XXXX ) that Chase Visa is unwilling to refund my money since the charges occurred ' too long ago '. I am asking for this to be reviewed so I can finally be refunded the amount of money that I paid ( {$2700.00} ) for a service that was not provided after having been reassured that my funds would be reimbursed. According to the Fair Credit Billing Act it is my legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I only found out about the bankruptcy on XX/XX/XXXX but Chase Visa is refusing to refund me. I have attached the original T & Cs ( doc attached ) as evidence that I am not protected by any financial failure insurance as this was in place for XXXX / XXXX customers only.
Consumer complaint received 2022-10-04
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IN)

Purchases a XXXX XXXX  lawnmower for {$3.00} XXXX on XX/XX/XXXX upon delivery the lawnmower was broken so we returned it to the store. On XX/XX/XXXX Lowes gave a credit in the amount of {$3100.00}. Leaving a difference of {$380.00}. We contacted them SEVERAL TIMES but nothing happened. My credit report dropped XXXX points because of the increase so I contacted them again on XX/XX/XXXX spoke with Name XXXX XXXX Id : XXXX Will submit to credit bureau Real balance is {$660.00} Who also contacted the Service Warranty department. Still today XX/XX/2023 Im being charged for a warranty for a return item and paying interest. I dont know what to do! My credit has suffered and I am suffering financially and I have no one to help! I dont have money for a lawyer please help!
Consumer complaint received 2018-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.
Consumer complaint received 2022-10-04
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. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-29
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. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-10-04
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TN)

XXXX XXXX submitted false information to the board of education and lied and threatened me off campus back in XXXX. They said I XXXX and I didn't the XXXX XXXX XXXX  was the one 's that threatened me off campus and falsifying documents.
Consumer complaint received 2022-10-04
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXXG XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-04
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with TransUnion on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.
Consumer complaint received 2022-10-04
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. (PA)

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus Experian, XXXX and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX XXXX XXXX XXXX XXXX  XXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... 

*These XXXX accounts were identified as fraud and I have asked for them to be removed across all XXXX bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the XXXX accounts above and was removed by Experian. Neither XXXX or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I sent a letter to remove this personal information that XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/2019
Consumer complaint received 2022-10-04
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. (MI)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 an account without my written instructions.