davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (NV)

Equifax has left my report unfroze for 30 days after request to only unfreeze for 24hours. They have also reverted back to my old address of home I sold 2 years ago. This has caused problems for me. They claim I can not get a credit report sent to address used to verify me upon calling them, because THEY show me at old address ... .UNLESS I agree to sign up for their {$9.00} a month membership. So even though Social security and ID and me show new address, and they have sent report to new adress before ( within last year ) They can only send my report now to old address! ( Unless I agree to membership! ) ( **I will NEVER pay a bank to find their own accounting error nor pay a credit bureau to fix misinformation they created and can not show was NOT their mistake or where info came from or why it has been changed and I was not notified. 
I notified them of error and they want me to pay for notifications to fix!?? ) Where my Identity was stolen buy neighbor 2 doors down who resently was release from prison and cost me {$310000.00}. Along with mental heath. I have had to fight medicare for enrolling me in 2 states and adding penalties for not being covered because of this and have now been getting notifications of SSDI payments being handled and recieved by XXXX ( a spoof ) along with lenders and credit card offers in excess of 12 spams a day. But was I told how to prove my ID To fix problem? No! I was told I had to join their service to fix their misinformation or wait at least 30 days for a credit report to check other possible risks or damages caused by their unapproved advertising of my info and unapproved choice of going back to old address. That sounds like blackmail to me! Give them {$9.00} a month or they will mail my info to wrong address so it can be stolen again!?! Or wait 30 days and allow breeches time to bloom and take my chances for being cheap!? I am not hard to identify. For reasons I will leave off this for privacy. So I feel this is a deliberate act from Equifax to profit from me
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: Experian Information Solutions Inc. (OH)

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency Experian credit reporting agency and XXXX 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 an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$2500.00}, a credit account at XXXX  with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on XXXX, XXXX & Experian : 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 have attached 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 2024-10-12
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. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

My Venmo account was suspended after I added a new bank account ( XXXX  aka XXXX XXXX XXXX, removed my old accounts ( XXXX XXXX and a debit card ), and initiated a transfer of my balance to XXXXXXXX XXXX around ~ {$3700.00} USD I received the email with the form to submit my ID and filled this out & attached a picture of my id. 

The account has only been used for splitting bills & meals with friends. All of the communication and verbiage around this is vague and the timeline of XXXX days is unacceptable. Unable to reach a human on the phone.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX ( Bank ) - Date : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent.

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My credit limit with XXXX  was {$22000.00}. XXXX  let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed my account.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Blitt and Gaines, P.C. (IL)

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX  CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
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: Experian Information Solutions Inc. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

I had loads of unauthorized transactions from XXXX  as soon as i noticed them i called chime and let them know what was happening. This happened multiple times. Replaced my card and waited for bank to investigate. They denied my claims and when i asked they them why they sent me a list of the transactions i was disputing. Ive called, emailed, chatted via app and nothing. No help whatsoever from Chime.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX I received an email prompting me to reach out the Ally ( the banking institutions ) fraud department in regard to my account. Within 10 hours of this email, I reviewed it an reaching out. 

They asked me general information questions on the account and then asked what a specific deposits were. They were direct deposits from XXXX, which I use to accept payments for my art business as I am an independent artist. I miss-spoke and said this was a business transaction after they asked " were these deposits business related? '' and they immediately told me they were going to send this into review for their fraud team because they do not allow business on their bank accounts. I tried correcting myself because these were not business transactions, these were direct deposits from payments made on an entirely different platform. They ignored me and submitted the case anyway that I was " doing business '' on my account. This was not a business transaction and I corrected what I said to what I actually meant - that was this was a paycheck, just like anyone else 's direct deposit, that was deposited into my account by my own business ' funds from another company I DO use for my business transactions ( Honeybook ). 

This was NOT a business transaction but it was too late and they locked me out of my bank account and can not give me a date to when this will be fixed in the 8 times I've called for a review. 

I feel as though the lack of willing to hear me out on my miss speaking to the fact that this was a paycheck not a business related transaction in the moment of speaking to me was misleading. It felt as though they were trying to bait me into agreeing that I was a business owner 'doing business ' so they could have a valid reason to freeze my account. 

Now they have blocked access to my account and WON'T GIVE ME A TIMELINE on when I can even expect a response back to what is going on. I can not even log on. I have no access to my money. No idea when to expect access to be back so I can pay bills and have no ability to tell companies when to expect their money since all auto-pay bills going out of my unjustly frozen account have bounced and they won't tell me when it could be fixed! 

Their customer representatives repeatedly tell me they have no idea when to expect information. That they do not give timelines. I need answers or I am facing credit hits from missed bills all for having my paychecks be from my small business and not something they 'recognize ' when I could tell them what it was when they asked!!
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: Experian Information Solutions Inc. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-15
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. (MI)

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section.

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXX XXXX XXXX : * -- XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I NEVER EVER HAD ACC FROM XXXX  XXXX ... XXXX  XXXX # XXXX WITH CREDIT LIMT XXXX $ this is nt mine I only had the XXXX  XXXX acc # # XXXX was credit limits XXXX $ this in in correct XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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. 

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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my XXXX XXXX and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 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} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.
Consumer complaint received 2023-11-02
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. (PA)

My consumer Right 's have been violated15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c8 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy