davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not taken action to remove the fraudulent inquiries yet. 

XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 This situation is causing significant damage, with losses amounting to thousands of dollars, as I can not get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-08
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. (CT)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-09-13
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. (FL)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-08-17
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. (VA)

I am filing this complaint again due to the fact that in my initial complaint on XX/XX/2020, Experian responded saying this complain does not appear to be from me. Which makes no sense when I disputed in XXXX I submitted proof of identity and my police report, not to mention that those things were also attached to my complaint. 


In the month of XXXX I contacted EXPERIAN about errors on my credit report. I did not receive any correspondence back nor have these accounts been removed. They are hindering my financial right now. The accounts are as follows : XXXX XXXX - Last reported XX/XX/2020 - {$260.00} XXXX XXXX - Last reportedXX/XX/XXXXXX/XX/2020 -  {$190.00} - XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020 -  {$930.00} - XXXX XXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020- {$1500.00} - XXXX XXXX XXXX XXXX XXXX ( Original creditor ) These accounts do belong to me. And should be removed per 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2024-09-13
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that I did not initiate along with an account I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I Will also be seeking compensation for the damages caused to me. 
Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX   N with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2024-09-06
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)

I am formally disputing any unsubstantiated or inaccurate information in my credit report, invoking the FCRA and the Metro 2 data field reporting standard. The allegations of delinquency and derogatoriness lack factual evidence and violate federal and state laws. It is crucial to ensure the precision and legality of all claims in compliance with the Metro 2 reporting standard.

I hereby request that you provide tangible, verifiable evidence supporting the account 's existence and its appropriate usage for authorized purposes. In the absence of such evidence, I demand the removal of the account from my credit report. I grant authorization for the physical mailing of documentation outlining your actions and any subsequent updates to my credit report. 
Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

SOME ONE OPENED ACCOUNT UNDER MY NAME I DID'T KNOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I emailed this letter to the Wells Fargo XXXX XXXX XXXX XXXX. 
" I have been a client of Wells Fargo for XXXX plus years with several accounts and mortgages. 

On XX/XX/year>, I made an electronic payment in the amount of {$980.00} to XXXX XXXX XXXX for my homeowner 's insurance. 

The Wells Fargo XXXX XXXX confirmation # XXXX to be delivered to Slide Insurance by XX/XX/year>. 

I received a call from my local insurance agent on XX/XX/year> stating that XXXX XXXX XXXX had not received the {$980.00} payment. 

However, this payment was deducted from my Wells Fargo Savings account ending XXXX on XX/XX/year>. 

I have called XXXX XXXX several times including the latest being today. Slide still has not received the payment. 

I have called your Customer Service Resolution Department and Fraud Department. The case # XXXX and also received an email from Wells Fargo Bill Pay on XX/XX/year> regarding this matter. 

Today, XX/XX/year>, I was on the phone for almost XXXX hours being switched to different departments speaking with XXXX to XXXX individuals with no resolution. The individuals were not helpful. 

I am thoroughly disgusted with Wells Fargo Bank and have filed a complaint with the FDIC and the Consumer Financial Protection Bureau. 

I want the {$980.00} credited back to my account XXXX immediately. 

Please confirm that the credit has been completed. '' To date there has been no resolution to having the money credited back to my account,
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am not able to open up a checking account. I have went to several different banks to open up a checking account and my request was denied due to adverse and negative information on my Chex Systems Consumer Report ID : XXXX, I have sent numerous complaints to CFPB in regards to Chex System reporting inaccurate information on my consumer report. Chex Systems has responded to me informing theres nothing adverse reporting on my consumer report, yet Im steady being denied to open up a checking account due to adverse information on my consumer report. I feel Chex Systems is using discriminatory practices against me which is unlawful.
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (HI)

In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-08-26
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2020-08-17
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)

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, Experian and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent letters about this issue over 30 days ago but have received no response or satisfactory validation. I'm requesting your help to resolve this matter quickly and effectively.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-13
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. (AR)

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. 
Collection Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX All my other collections was paid off but it still showing negative impact on my report which has violated my rights. 
15 U.S.C. 1681 Sectiun 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno! furnish an 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 and crimes which antedates the report hv 7 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
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were discharged. 

XXXX was during covid and communication was limited - Navient did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

They locked my account for no reason. I have money coming into this account XX/XX/2023 that I need to access to pay my rent for my children and I. They are rude constantly hanging up in my face saying if I dont know the safe word they cant help me. I provided the number I have on my account but they said they can not use it. I ask them can they verify me with my social, birthday, debit card and state I.D information they told me no. So what now? I will have to get a lawyer because they are stealing my money! I am not the only person. That is going through this. Check XXXX you will see hundreds to thousands of others saying the same thing. I will be homeless with my children because of this!