davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-07-17
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-19
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. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing me.
Consumer complaint received 2022-07-17
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. (GA)

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding Equifax, XXXX, and XXXX allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted : 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 XXXXXXXX failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX  for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I received a back pay check for my veterans affairs dependent education benefits as backpay for when I was enrolled in school back in 2018 verified the check was real and was intended for me with the veterans affairs and deposited the bank to my account with no issue and then a week later they flagged my account as fraud and have put a hold on my account leaving me without access to anybody my funds I have already missed two paydays and this is getting in the way of me being able to get access to my lifesaving medication
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-07-19
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. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX of 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 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

I received a paper check instead of a direct deposit on XX/XX/XXXX due to me temporarily switching to another bank account. When I attempted to deposit my paycheck that is drawn on the same bank that has ACHed into this account before into my Discover Bank account, I was told {$250.00} of my paycheck would be available immediately with the rest to clear on the XXXX. Today, on the XXXX, I expected to have that {$250.00} available to me. I checked and none of my paycheck has been made available. After speaking with 4 different representatives and XXXX supervisors, I find out that the entire paycheck is being held until the XXXX due to " Risk attributes indicate potential for the check to be returned unpaid. '' Discover Bank refuses to do anything about this and can provide me no explanation as to why these funds in particular are being held. They told me that if my account were at the 90 day mark, they could contact the bank that my paycheck is drawn on, but since I opened this account XX/XX/XXXX, they refuse to do anything about it. I need this money to live. I literally don't have money other than this to eat, to pay bills, to get gas, to literally survive.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC. (CT)

After repeated efforts to resolve this matter, absolute refusal to adjust this account to show no missed payments. Now a repayment plan will not be honored. Theres something severely wrong with this company. How can you cash checks and then say they were returned to me, sounds like a case of embezzlement.
Consumer complaint received 2022-07-13
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. (GA)

n 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 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-07-19
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: Sensible Auto Lending, LLC (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2021-12-07
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. (IL)

I have submitted several identity theft reports, personal statements, and police reports to Equifax about removal of fraudulent accounts and inquiries. Due to the fact I was affected by the Equifax and XXXX breach I believe this company should be accommodating my request to remove anything fraudulent, but they are not and giving me an extremely hard time.
Consumer complaint received 2022-07-13
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. (IL)

On XX/XX/XXXX I received a notification of several new hard inquiries on my XXXX, and Equifax credit reports. The inquiries were listed as follows : XXXX reports inquiries from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Equifax reports one inquiry : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from XXXX in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, Equifax has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with XXXX has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who XXXX keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (PA)

In the beginning of 2024, my XXXX XXXX XXXX was hacked and I encountered what they call them today of XXXX XXXX. There was an alternate XXXX on my very phone with access to my XXXX information and it absolutely ruined my life, my credit and my reputation. I am doing all means necessary to clear my name and abolish these horrendous marks on my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

CAPITAL ONE Revolving account with account # XXXX  opened on XX/XX/ and a balance of {$940.00}. I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 I 1A, 15 USC 1666B, 15 USC 1691A ( 2 ) ( i ), 15 USC 6802
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2020 my Barclay card was written as a charge off and sent to a debt collector. That debt collector then sued me for the balance in XXXX XXXX XXXX in New York. I have gotten a letter from the court stating my balance was paid in full. Barclay card is still reporting on my credit report that I owe {$12.00}. Therefore giving all negative remarks on my credit report. My balance was paid off in court.
Consumer complaint received 2022-07-13
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)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-09-09
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. (FL)

All 3 credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to 3rd parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes
Consumer complaint received 2022-09-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-07-13
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. (AZ)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

Per 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. Ally has failed to provide basic accuracy only displaying 13 out of 65 months of payments. Leave XXXX precent unanswered.