davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was frauded by a company that claimed to be XXXX XXXX. My fiance dialed what she thought was the airlines, and I talked to them about buying a couple tickets. At the end of the conversation, they said there would be two charges, one for the flight and the other for the taxes. I believed them and game them the credit card. The truth was, it was another company that bought a flight from XXXX XXXX then charged be a fee of over a XXXX dollars to purchase the ticket. I found out that night when I called the true XXXX XXXX to make a change and they told me the true cost of the flights. I called the company bank the next day and asked to cancel the flights and get a refund, but they would hang up on me so that I couldn't cancel the flight. They would not cancel the flight and give me a refund. So I called and notified Bank of America that very night, that it was a fraudulent charge, but they didn't stop it. And after the transaction went through, I disputed it through Bank of America, and they ultimately stated that it was not fraud and that I had to pay the fee.
Consumer complaint received 2024-10-10
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. (VA)

I am writing to dispute several inquiries on my credit report that I recently reviewed. Upon examining my credit report dated XX/XX/2024, I identified certain inquiries that I do not recognize and believe were made without my authorization. These inquiries are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries may only be made under certain permissible purposes, such as with my explicit consent or in connection with a credit transaction initiated by me. Since I did not authorize these inquiries and have not initiated any recent credit transactions with these entities, these inquiries appear to be in violation of the law. 

I request that you immediately : Investigate these inquiries. 
Remove all unauthorized inquiries from my credit report immediately. 
Provide me with the results of your investigation, including the details of who initiated these inquiries and their stated permissible purpose. 
In accordance with my rights under the FCRA, I expect that this matter will be addressed promptly. I would appreciate your written confirmation of the removal of these inquiries and the steps taken in response to this letter. 

Please consider this a formal dispute of the unauthorized inquiries. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXXXXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX  ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
Product: Credit 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: NAVY FEDERAL CREDIT UNION (GA)

I have multiple charges from a company that I made payments to that were unathorized. Some days, I was being charged XXXX times a day and I did not know until about a month later. When I reached out to Navy Federal to report the unathorized charges, they closed my disputes stating that since I had made a few payments to this company, they were not going to assist me in the matter. It is now XXXX months after I reported the issue and Navy Federal not only closed out my disputes for all the transactions they also reversed the credit on the XXXX transactions they gave me back. This resulted in over {$1000.00} dollars of charges that I did not authorize. I provided Navy Federal with proof of my transactions to the company, my full payment history including showing the payments I made using completely different cards. I also showed Navy Federal proof that I was unable to get in contact with anyone from the company for assistance I have not been able to get any remedy from Navy Federal or the company in question. If a consumer reports fraudulent/unauthorized charges, the company should not be able to just close out the case and tell the consumer " oh well, we won't help ''. 

These charges are as follows all from the same company XXXX XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} It is simply wrong for me to be responsible for these charges when I have proven they were not my charges authorized by me.
Consumer complaint received 2024-10-10
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-10
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. (RI)

Ive noticed some incorrect details on my credit report under the guidelines of 15 USC 16c-2. These inaccuracies are affecting my credit rating, and I did not authorize the hard inquiries listed.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am concerned about my consumer report. There have been numerous attempts to obtain credit without my consent. Please place a fraud alert on my account. No one should open an account without contacting my number : ( XXXX ) XXXX Please delete the fraudulent account that arose from identity theft. XXXXXXXX XXXX XXXX. As well as rhe inquiry XXXX XXXX placed on XX/XX/year>. I did not request credit from this company. Thank you for your time in this important matter.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (VA)

I have accounts on my credit report Equifax that Is reporting inaccurate and is violating my rights and is hurting me from obtaining credit I have tryed to fixed the problem with them and it has not been fixed I have proof of the inaccurate information that is reporting on my reports diffrent it cant be accurate or verified when same account has different opening dates, or showing account open when closed .. Will upload documents, I will like these accounts removed from my credit report immediately, XXXX XXXX XXXX Dates of last payment is diffrent reporting inaccurate, Account status reporting inaccurately and comments sold reported inaccurately not same information but same account XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing open when closed, Reporting inaccuratelyXXXX XXXX XXXX XXXX XXXXXXXX Dates open is reporting inaccurate and diffrent and account status reporting inaccuratelyXXXX XXXX XXXX XXXX XXXX Reporting open when closed reporting inaccurate.. I will like these Deleted please
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (OK)

On XX/XX/2022 my divorce from my ex-wife was final. She was awarded the house providing that she removed me from the mortgage and deed. She has also filed a financial release of responsibility to the company. Midland Mortgage has refused numerous times to stop reporting the mortgage loan under my social security number. Ms XXXX has also contacted the VA and has assumed full responsibility for the VA portion of the loan. This amount of debt still showing on my credit report is impacting my ability to purchase my own home. The VA has said that it should not be showing on my credit report. I don't understand how I can be removed from the loan and the financial responsibility of the note yet it still shows on my credit report. I can't call or access anyone because my social security number is not in their system. So then how and why are they reporting it? Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (VA)

I have accounts on my credit report Equifax that Is reporting inaccurate and is violating my rights and is hurting me from obtaining credit I have tryed to fixed the problem with them and it has not been fixed I have proof of the inaccurate information that is reporting on my reports diffrent it cant be accurate or verified when same account has different opening dates, or showing account open when closed .. Will upload documents, I will like these accounts removed from my credit report immediately, XXXX XXXX XXXX Dates of last payment is diffrent reporting inaccurate, Account status reporting inaccurately and comments sold reported inaccurately not same information but same account XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing open when closed, Reporting inaccuratelyXXXX XXXX Account # XXXX Dates open is reporting inaccurate and diffrent and account status reporting inaccurately, XXXX XXXX XXXX XXXX Reporting open when closed reporting inaccurate.. I will like these Deleted please
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: EQUIFAX, INC. (VA)

My name is 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This account was charged off on the following date : XX/XX/year> Since then the account had repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include active payment history. This inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after i asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have recently looked at a copy of my credit reports from XXXX, Equifax, and XXXX and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity to obtain credit.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (SC)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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 : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} SYNCB/PPC. Opened XX/XX/XXXX. {$2400.00} XXXX  XXXX XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX OPENED XXXX  XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$2800.00} XXXX XXXX. OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXXXXXX XXXX  OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. XXXX XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXX XXXX OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

XXXX Separate fraudulent charges to XXXX XXXX XXXX made using correct phone number and shipping address, but invalid email addresses ( different, incrementing email addresses on each purchase ). The items were delivered to our house, then immediately stolen from our door upon delivery. I filed a police report and the detective suggested that this is a common scam lately, and to file a claim with the credit card company, which I've done on XX/XX/year>, providing them with the police report number. 

Citi responded with letters showing the transaction details and claiming that the charges were valid based on History of purchases with the vendor ( we've never purchased from this vendor ), valid IP address ( charges were made via mobile phone in our same city ), and valid phone number and address ( information available publicly or commonly leaked along with credit card info ). 

I then responded in writing, again providing the police report number and detective 's name, pointing out the incrementing, different email addresses, and that this was a common scam. 

I have received no further communications from Citi except seeing in their online portal that the credits were reversed with no fraud credit being issued. I contacted them by phone on XX/XX/year>, XX/XX/year>, XXXX, and XX/XX/year> to inquire about the status, and each time have been told that these are still being investigated with no further information being provided to me. I've requested these be escalated, to speak with a supervisor, etc. and have gotten XXXX response other than that these are being investigated. Currently in their online portal, 2 of the disputes show as resolved with no credit issued and one shows that a security credit has been issued even though the representative has told me that all XXXX are still under investigation. 

These charges are absolutely fraudulent, and we've offered to provide doorbell camera footage to the police. 

Charge dates and amounts : XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XXXX, TX Police Report Number : XXXX I have attached my 3 separate dispute responses back to Citi which contain the police report number, and my notation about the invalid, incrementing email addresses ( both of which seem to have been ignored ).
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.