davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-09-21
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)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

I bank with Navy Federal Credit Union and I always get notifications of my account over drafting due to insufficient funds. Even though I always have the funds and then they transactions pend for days instead of taking the funds instantly which causes my account to overdraft.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal been charging me over draft fees on the OOPs program every since I open up with them for the OPPS program. I don't know why I am being charged fees when I was told getting the OPPS program would elimate
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

While I was reviewing my most recent credit report, I noticed several inaccuracies on XXXX of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX Account Number XXXXXXXXXXXX I appreciate your attention to this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-29
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. (FL)

I am writing to formally dispute an inaccurate late payment recorded on my credit report for the account XXXX XXXX XXXX XXXX dated XX/XX/year>. I have ALWAYS been responsible for this account, and I believe the late payment entry is incorrect. Despite my previous attempts to resolve this issue, inaccurate information remains on my credit report, negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies, specifically referencing Section 611 ( 15 U.S.C. 1681i ), which allows me to request a reinvestigation, and Section 605 ( 15 U.S.C. 1681c ), which governs the reporting of negative information.
Consumer complaint received 2024-10-23
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)

Hello I am filing this complaint because I was affected by the Equifax data breach and I'm a victim of identity theft and all these accounts below listed are not mine and I have never authorized to open any of these accounts listed below please remove them immediately off all credit report agencies Accts to remove Equifax : Collections XXXX XXXX Credit Cards XXXX {$3000.00} XXXX {$960.00} XXXX {$2400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX  {$14000.00} XXXX XXXX {$31000.00} XXXX  {$4600.00} XXXX XXXX {$12000.00} XXXX XXXX  {$24000.00} XXXX {$9200.00} XXXX  {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regions closed charge off. 



All inquires XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


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 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 I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am filing this complaint regarding the non-compliance of XXXX, Equifax, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.
Consumer complaint received 2024-09-13
Product: Credit reporting 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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-22
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. (SC)

I am writing to dispute an unauthorized hard inquiry from XXXX XXXX Bank appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I applied for XXXX for dental services. The original approval amount was {$2500.00} which was reported to my credit for 6 months with no late payments at the time my credit score was XXXX. I utilized {$420.00} of the XXXX. In XXXX of XXXX, XXXX XXXX reran my credit and decreased my available credit to {$310.00} which caused the card to report to the credit bureau 90 % usage, which is not accurate causing my credit score to drop from XXXX to XXXX. I received a letter from the company advising delinquent accounts and not enough revolving credit were the reasons for the decrease in the approved credit amount, When I spoke with the representative I asked her dod they approved me with he current scores she advised yes, and couldn't explain why the decrease was necessary, This has caused my score to drop without reason and I have not been late on any of my revolving credit. I also inquired about the payments I have made totaling XXXX and the representative couldn't explain where the payments were being they were on the original credit limit of {$2500.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-10
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. (SC)

I am writing to express serious concerns about several issues I have encountered with the credit bureau, including false account entries, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Consumer complaint received 2024-10-09
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. (CA)

I've recently noticed unauthorized inquiries on my account, which is a significant concern. I've not given any permission for these companies to access my information, yet they have been able to pull my credit report. This unauthorized access not only violates my privacy but also potentially puts me at risk for identity theft.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-30
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)

Consumer Name : ( XXXX XXXX, 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 a personal credit card account opened at XXXX XXXX  XXXX  on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached documentation, such as proof of identity bank statement, utility bill, drivers license and social and a FTC Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
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)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-23
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)

These two accounts are not mine and I want these accounts deleted and removed immediately from my credit reports, both of these accounts were open because my information was stolen and used to open both of these accounts, I have spoken to an attorney and I have provided that XXXX XXXX  and XXXX XXXX XXXX XXXX has failed to provide any information or documentation to prove these accounts are mine in which they are not, I will file XXXX XXXX both XXXX  and XXXX XXXX XXXX XXXX for damages and what it has done to my job prospects, all they have to do is remove these accounts including experian, because experian has been giving dozens of documents from me and this attorney all this is doing is building my case, simply remove these accounts or be sued in court, they have stolen my information and has committed identity fraud, now remove XXXX XXXX XXXX XXXX XXXX XXXX  Im tired of excuses and stop violating my rights under the fair credit reporting act This police report is sufficient to show that my information was leaked and stolen and put on the dark web, if this police report is ignored by both companies including experian they can be sued by me for damages And remove all these fraudulent inquiries on my credit report these are not mine and do not put a fraud alert on my report.