davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (NY)

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$730.00} that appears related to the aforementioned personal credit account opened at XXXX  XXXX XXXX  XXXX 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 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 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

opened two business accounts at Bank of America online I order two cards one for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XXXX XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back. As a response to complaint filed on XX/XX/ they totally disregarded the request for information and refused to address the individual complaint at hand that had absolutely nothing to do with their response in efforts to minimize responsibility
Consumer complaint received 2023-08-31
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. (PA)

In response to Equifaxs response to Cfpb complaint # XXXX I am writing to dispute the accuracy of the information provided in your response to my complaint, which was submitted through the CFPB Complaint Portal. According to the provisions outlined in 15 USC 6801 and the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and integrity of my credit file. 

In your response, you have requested that I submit a copy of my social security card, driver 's license, or an official document to update my name. However, I would like to clarify that my current name is accurately reported on my Equifax credit file, and no updates or modifications are necessary in this regard. 

Furthermore, you have mentioned that Equifax, CSC Credit Services, XXXX, XXXX, XXXX, XXXX, and XXXX inquiries are not provided to prospective credit inquiries and are factual records of companies accessing my credit file. While I understand the purpose of inquiries, I would like to emphasize that any unauthorized inquiries should be promptly removed from my credit file, as mandated by the FCRA. 

Regarding the trade lines mentioned in your response, specifically XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , and XXXX, I dispute the accuracy of the reported information. It is my understanding that the FCRA requires accurate and up-to-date reporting of account balances, payment history, and other relevant details. I request that you conduct a thorough investigation into these trade lines and provide me with the supporting documentation from the original sources to verify the accuracy of the reported information. 

Additionally, you have stated that certain disputed items, including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are not currently reporting on my Equifax credit file. However, I have reason to believe that these items should be present on my credit file, and their absence raises concerns about the completeness and accuracy of my credit report. 

Furthermore, your response regarding inquiries fails to address my concerns adequately. While I understand the purpose of inquiries and their retention periods as outlined in the FCRA, it is essential to ensure that all inquiries on my credit file are authorized and legitimate. I request that you provide me with a detailed list of all inquiries on my credit file, including the names of the companies that accessed my credit information, as well as their contact information.
Consumer complaint received 2023-09-22
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. (PA)

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

RADIUS GLOBAL SOLUTIONS 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/XXXX  '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 . 
I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA.

In addition to this complaint my family is dramatically affected. This issue causing me mental anguish and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
Consumer complaint received 2023-06-12
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. (MD)

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.
Consumer complaint received 2023-09-22
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)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-22
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. (PA)

My name is 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 2023-09-22
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 name is 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 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I have had experience membership for about maybe XXXX months OK but Im in the meantime they kept advertising about digital checking so I said well. Let me check into it so I went and opened account and I was able to get in but recently I had changed my phone number and so now they have this rule that if you have a digital account, you have to wait 95 days before your number can be updated. In the meantime my old number is no longer needed and so that is where the codes are being sent to, and I cant even get in my experience account due to this, XXXX rule. 
When I first joined the membership and maybe like XXXX months after I went and did the digital checking, they didnt ask for no information and now just because I want to change my number they asked me for all this information. When why didnt they ask me for information when I did the digital or the membership Just I feel like this company needs to get their stuff together because its an inconvenience to the customer the customer and had to be waiting on 45 days for a update on the phone so they can finally get in to experian website. 
I really hope that you look into this situation.
Consumer complaint received 2022-10-28
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. (FL)

This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}
Consumer complaint received 2023-09-22
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. (NY)

My name is 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 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MS)

When the loan repayment started it wasn't a way to pay for the loan due to you having to have a account number and I wasn't sent that information. So finally after 2 months the system change supposedly where you did not need an account number and a text was sent to provide a payment link by then according to their system I had already owned in which you was not a way to make the payment therefore the late payment should not be shown and I asked them to remove.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/2023, I reached out to Citibank and disputed the following charges : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}, and XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, {$2.00}, as fraudulent not belonging to cardholder requested removal of charges and for a new card number to immediately issued. 

Citibank has refused to remove charges and give the cardholder a new account number, encouraging further unauthorized usage of card charges and accumulation of interest on fraudulent charges. 

Citibank is also making it impossible for the consumer to reach out by telephone to immediately dispute fraudulent charges and obtain new cards or account information placing the consumer in a telephone queue only to then disconnect the call.