davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC (IL)

On XX/XX/2023, I received a phone call from a person stating that they were from XXXX XXXX department and that there was an account that was associated with my name and social security number. They also stated that there were several bank accounts that were opened in my name. They apparently connected me to XXXX XXXX XXXX department and advised me to take money out of my account and open a digital wallet account in the amount of {$6600.00}. I proceeded as directed and was asked to go to XXXX XXXX XXXX XXXX Illinois XXXX to open a digital wallet. After returning home and calling the Bitcoin Depot customer service, there was no way that the account was able to be associated my personal information. The next morning, I called Bitcoin Depot customer service, and they advised that I was scammed. I have to go through social security through a long-drawn-out process to secure my identity and privacy. I also contacted the police and reported the fraudulent scam that I experienced.
Consumer complaint received 2023-08-20
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. (AL)

My rights has been violated actto the FCRA. 
I have disputed this account several times with the credit bureau so here is my identity theft report please have this account removed its called XXXX XXXX XXXX 15 U.S.C 1681G Law Violation
Consumer complaint received 2023-08-22
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We received an advertisement from BoA inviting us to open a business checking account. Advertisement promised a welcome bonus of {$1000.00} for keeping a balance of at least {$20000.00} for 60 days of account opening or {$1500.00} for keeping a balance of {$50000.00} for 60 days. 
We opened a new business account on XX/XX/2023 and made a deposit of {$10000.00},- on XX/XX/2023. On XX/XX/2023 we made a second deposit of {$10000.00}, - and on XX/XX/2023 we made a 3rd deposit of {$50.00}. 
On XX/XX/2023 the balance was {$20000.00} After BoA charged a cash deposit fee of {$7.00} the balance was {$20000.00} which is also the current balance as of today. No deposits or withdrawals have been made since XX/XX/2023. 

On XX/XX/2023 I had an appointment with a financial advisor at our branch in XXXX XXXX. I showed her the letter which promised a bonus of {$1000.00} and asked her why the bonus had not been deposited after over 90 days. She went with the letter to the branch manager and when she returned she started to write on my original copy without asking if that was ok with me. She advised me that we would not receive the bonus until XXXX, XXXX, 2023. She also showed me on her computer screen that we had an average balance of {$19000.00} during the past 90 days. When I asked her how this was possible and how the average balance of {$19000.00} was calculated, her answer was I dont know, the system determines the average balance. I asked her to print this out and she replied I cant because its something internal Then she called the branch manager who advised me that we would not receive the bonus if we wouldnt leave the {$20000.00}, - in the account until XX/XX/2023. The branch manager printed out a statement from her computer and wrote the average balance onto the upper right corner.
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. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

In XXXX XXXX, we cancelled our XXXX XXXX XXXX XXXX by phone. 

XXXX XXXX continued to make automatic charges of XXXX XXXX to our XXXX XXXX XXXX account. 

We paid the bill dated XX/XX/XXXX, thinking that was the last one since we cancelled in XXXX. 

On XXXX XXXX XXXX XXXX XXXX XXXX  made another automatic charge of XXXX XXXX. to my XXXX XXXX XXXX Credit Card. I called XXXX and told them we had cancelled the service and didn't owe them. XXXX had a record of the XXXX phone call but the outcome had been reported as " were thinking about continuing. '' ( which was a lie ). We had stated clearly and unequivocally that we were cancelling the services. 

We disputed the XXXX XXXX automatic payment of {$40.00} with our XXXX XXXX XXXX XXXX and our account was credited in that amount. XXXX XXXX XXXX wrote to XXXX to respond to the claim and never received a response. 

We have put a block on any other charges to our XXXX account from XXXX. 

Consequently, on XXXX XXXX sent us a bill in the mail for {$35.00} indicating the automatic payment was rejected by XXXX XXXX XXXX. 

On XX/XX/XXXX, I sent the bill back to XXXX saying : " We cancelled service 2X! End of XXXX and again in XXXX.! You charged us {$40.00} on XX/XX/XXXX anyway and our XXXXXXXX XXXX. is requesting a refund for that. And now, another charge of {$35.00}! For a service we discontinued? No more automatic payments are allowed as charged to XXXX. Cancel this charge as well and refund the {$40.00} OR I will be filing a Consumer Protection Complaint. '' On XXXX we received a letter from Credit Collection Services in XXXX, MA trying to collect {$39.00} for XXXX XXXX XXXX. 

The credit collection company also called by phone and we told them to CEASE and DESIST. WE DO NOT OWE XXXX THIS BILL. IF ANYTHING, XXXX OWES US A REFUND FOR A BILL WE PAID AFTER WE HAD CANCELLED THE SERVICE!
Consumer complaint received 2023-08-08
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)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXXXXXX XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2019-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

May of sent to wrong company but this is what your program out lined this is to the CFPB I request a Formal investigation of there credit reporting they are being deceitful
Consumer complaint received 2023-08-08
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. (NC)

Ive reached out to all XXXX bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs XXXX that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
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. (IL)

There are fraudulent inquiries on my credit report which I reported to Equifax but has not been removed. I contacted them several times about this matter but nothing has been done to resolve it. The following are fraudulent inquiries XXXX XXXX XXXX XX/XX/19, XXXX  XXXX XX/XX/19, XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-20
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. (NY)

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 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an account with Bank of America. I tried to add an outside bank so that I can transfer money from my BOA account to my new outside bank ( XXXX XXXX ). Bank of America doesn't recognize the routing number when I enter it. Message says : The Routing Number you entered did not match any Banks within our directory. Please enter a different Routing Number. 
Routing number : XXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I've contacted Pen Fed via email for over a month now regarding a {$100.00} reward bonus listed on their website : https :  //www.penfed.org/XXXX I met all of the relevant criteria for the {$100.00} bonus months ago and have not received it nor have I received a resolution or a satisfactory response from Pen Fed 's Customer Service . One response I did receive, the representative didn't even know what bonus I was referring to. When I sent the same link I pasted above to them I received no response. This is not a financial institution I would recommend others deal with. I wonder how many service members they are dishonest with?
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (PA)

I was shocked to see unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my report regularly, but this time, unexpected discrepancies appeared. I even tried refreshing the page, hoping it was a glitch, but nothing changed. Im deeply concerned and requesting that the documents Ive sent be reviewed thoroughly so I can put this worry behind me for good.
Consumer complaint received 2024-10-27
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. (NY)

Equifax has several inquiries I neither authorized, requested, nor that culminated in any retail credit contracts on my personal credit report ( PCR ). 

XXXX XXXX XXXX XXXX ' ( undisclosed business type ) for XX/XX/XXXX were not authorized by me. 

There is no corresponding retail contract of sale nor extension of credit corresponding with these phantom entries, and I am unsure if they are actually some form of Identity Theft attempt. 

Coupled with an unrecognized inquiry by XXXX XXXX ( unknown entity ) on XX/XX/XXXX, I would respectfully request Equifax remove these unwarranted inquiries as per the US Federal FCRA, as they are in violation of 15 USC s/s 1681b ( permissible purposes ). 

Also appears as : XXXX XXXX XXXX ' and XXXX XXXX XXXX ' on XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-03
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. (NY)

I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and can’t review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. It’s bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i don’t understand why and who is doing it.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

XX/XX/2018, I contacted Loss Draft Department for PHH Mortgage.  I indicated that I had suffered severe damage to my residence and had a check from my insurance company made payable to myself and PHH Mortgage in the amount of $XXXX. I was told by the customer service representative that 1/2 of the amount would be sent back to me immediately and the remainder would be paid once the repairs were made.  I receive no calls until I called to find out the status of the check.  I was then told that I receive wrong information and no funds would be disbursed for repairs until I provided a signed contract, XXXX form and signed conditional waiver from the contractor.  These forms were provided to PHH on XX/XX/2018.  At this point, I have had several calls with PHH and they have indicated that they have not and will not disburse the funds to repair my residence.
Consumer complaint received 2023-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, KOHLS CAPONE Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-08-20
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.