davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (MD)

We have sent a demand to remove letter on XX/XX/2022. No response or communication from this company. They are not adhering to the Law of Furnishing inaccurate and incorrect information. 15 usc 1681s-2. No documents as have been provided.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Called Equifax on about 10numbers to get a security freeze placed on my credit file. The automated robot will not allow me to get through after asking me 4 questions. I tried the online option and it would not process the credit freeze. It gave me another phone number to call ; same robot, no sucess. Their system is broken. I had no problem with the other 2 bureaus. I know that my credit has been breached and the sooner I can get this freeze on the better. Thank you.
Consumer complaint received 2020-08-26
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}
Consumer complaint received 2020-08-25
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. (NY)

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, Experian, and XXXX. They still have not answered my request. The information on my report must come off asap ...
Consumer complaint received 2020-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have noticed that BANK OF AMERICA have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I tried to use my Equifax account to login to My.Equifax.com on the evening of XX/XX/2020. The account didn't work. I then placed the following calls with the details of the call. 
XX/XX/2020 XXXX XXXX  CST - Talked to customer service Their system was updating so nothing could be done. 
XX/XX/2020 XXXX XXXX  CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it the next day, still failed. 
XX/XX/2020 XXXX XXXX CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it two hours later, still failed. 
XX/XX/2020 XXXX XXXX CST - Talked to customer service Their system was updating so nothing could be done. 

When ever I've tried to deal with Equifax it's been a hassle.
Consumer complaint received 2020-08-25
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: Bliksum, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (TX)

I paid the amount in full on XX/XX/XXXX as it was scheduled by American Express, I was told by American express on XX/XX/XXXX verbally on the phone ( recorded line ) that my account would not go into collection yet as I still have the opportunity to pay in full as the reason for my delay I was waiting for my cash out refinance to go through, I explained that I would need a couple weeks for the refinance to be completed. Once it was completed, I paid the amount that they told me to pay after they were to remove a late fee. But instead they have sent my account to collection and now my credit has taken an unnecessary hit. I would like it removed. I am still resolving the issue of an additional interest payment added to my account due to the late fee that was promised to be waived never got waived as of XX/XX/23. Please see attached bank statement showing the amount paid.
Consumer complaint received 2023-09-25
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-08-25
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
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: ENOVA INTERNATIONAL, INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXXXXXX-XX/XX/XXXX-VER-
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

This is such a simple fix. XXXX is the only credit report that needs to be updated showing no lates. Makes no sense why Capital One changed the status almost a year later after it was corrected by Capital One. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if Capital One would like to avoid that? 

Thank you, XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXXXXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-25
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. (CA)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2020-08-06
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. (CA)

On XX/XX/2020, I used my Chase Sapphire Reserve credit card to purchase a puppy and was charged {$3000.00} by the merchant ( XXXX XXXX ). 

On XX/XX/2020, I executed a contract indicating if the puppy had health issues in the first 12 months resulting in death, that the merchant would refund the purchase. 

The dog experienced issues and passed away within two months and I contacted the merchant via email on XX/XX/2020. They responded in writing on the same day that they were processing a refund for the purchase. 

I awaited a refund on my card, but it was never processed, so I disputed the charge with Chase and forwarded the merchant correspondence evidencing the refund. 

Chase sent me a notice on XX/XX/2020 indicating I was still responsible for the charge.
Consumer complaint received 2020-08-06
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. (CA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}
Consumer complaint received 2023-09-24
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: SYNCHRONY FINANCIAL (GA)

" I recently discovered several hard inquiries on my credit report that I did not authorize. Upon further investigation, I found out that these inquiries were made by SYNCHRONY FINANCIAL. I have never had any dealings with this company, nor have I given them permission to access my credit report. 

I suspect that my personal information was obtained fraudulently. A few weeks ago, I received an email that appeared to be from a company I frequently do business with. The email claimed there was a security breach and asked me to confirm my personal information. I now realize this was a phishing scam. 

I am deeply concerned about the impact of these unauthorized inquiries on my credit score and the potential for further fraudulent activity. I request that SYNCHRONY FINANCIAL immediately remove these hard inquiries from my credit report and take steps to ensure this does not happen again. I also urge them to investigate how they obtained my personal information and to take appropriate action against any fraudulent activities. 

I would appreciate your assistance in resolving this matter and protecting my personal and financial information. ''
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX  FOR XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX  I filed a fraud dispute with Capital One for the following charge on my card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Along with the dispute form, I sent evidence that the merchant was not going to give me the purchased item. 
Capital One mailed me a form letter telling me to call them. 

I called them and they stated they " couldn't find the charge on my account '' and that I needed to send them " screenshots of the Capital One account showing the charge. '' I mailed them screenshots of their website along with the final notice that if they did not return my money, I would be contacting CFPB. 

They mailed me the exact same form letter back and have made no effort to assist or contact me to get this resolved. 

I have now spent over 10 hours on the phone, printing lettters, mailing letters, etc. which has cost me over a {$1000.00} in lost wages and salary. 

Capital One purposely makes their fraud process confusing and time-consuming in the hopes that customers will give up.
Consumer complaint received 2023-07-30
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. (MN)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # 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.