davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
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)

Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX  : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Equifax : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.
Consumer complaint received 2024-09-02
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. (KY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, have violated my rights.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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - Account Name : FAIR COLLECTIONS AND OUT Account Type : Closed, Account Type : Secured credit card, Date Opened : XXXX XXXX, XXXX, Balance : {$4100.00} Fraudulent Inquiries listed below : - XXXX XXXX XXXX : XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-09-03
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. (AL)

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 2020-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Continuously Hacking of cellular devices by resident in housing developement, identity theft and attempted bank fraud! With in the last 2 days, there has been attempts to hack into my bank accts, an unauthorized individual attempted to purchase a alcoholic beverage for {$53.00} at at XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX, on Thurs, XX/XX/2020 at the time XXXX using my stolen identity with a PayPal debit card linked with my XXXX  Debit card! The XXXX detected the attempt, but PayPal had no record of the attempt and believe the individual was utilizing a Guest Transaction! Thare is a serious problem in XXXX with hacking of Cell phones and bank fraud! The XXXX admin. Is doing absolutely nothing about the spreading threats to senior citizens in the City! And the police dept is incapable of addressing the issue! The victims are left to defend and deal with the problem themselves! I on the other hand had decided to do my own investigation of the hacking, because of my background as a XXXX   XXXX  XXXX  from the XXXX XXXX! I was able to trace the source of the cell phone hacking to a resident in my building name XXXX, who resides in # XXXX, XXXX, NY XXXX he has be caught using a XXXX keyboard to remotely control the cell phone! The hacking technique is called " XXXX XXXX '' it involves remote having of Wi-Fi Routers and cell phones, rerouting of emails, texts & phone calls to the hackers server, identity theft and bank fraud as well as illegal surveillance by activation of the camera and microphone of the device! It also involves stealth background operations and processing of the device applications which allows the hacker to download encoded files in relation to obtain under age XXXX XXXX  materials undetected, so that they can secretly transfer it to unknown cloud accounts on the Dark Web!
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My complaint is against Bank of America. 

Bank of America was making monthly automatic payments to XXXX   XXXX XXXX from my BOA checking account. In late XXXX, the XXXX XXXX XXXX was paid in full and the account closed. Inadvertently, Bank of America made one extra payment to XXXX   XXXX for {$2600.00} on XX/XX/2020, after the XXXX XXXX XXXX   account was closed. I contacted both XXXX XXXXXXXX and Bank of America as soon as I discovered the debit from my Bank of America account. Both institutions assured me that the overpayment would by credited back to my Bank of America account. 

After several weeks of not seeing the refund post, I initiated a case with Bank of America, first trying their telephone support and later through their messaging center. 

XXXX XXXXXXXX sent a letter to Bank of America on XX/XX/XXXX, stating, " Enclosed please find check number XXXX dated XX/XX/2020 in the amount of {$2600.00} ... '' I am attaching the complete letter below. 

On XX/XX/2020, I received a message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

After seven business days the credit still had not posted. 

On XX/XX/2020, I received another message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

I am attaching all written correspondence I have had with XXXX XXXXXXXX and Bank of America. 

On XX/XX/2020, I went to the Bank of America XXXX office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I spoke at great length with the branch manager, XXXX XXXX. He assured me that the matter would be rectified by XX/XX/2020. Mr. XXXX is not taking or returning my telephone calls at this time. 

In addition, today I discovered that every message concerning this case in my Bank of America account online web page has been mysteriously deleted. Fortunately, I made copies before these disappeared.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, 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. (MD)

Re : Inability to manage Equifax Freeze I have been trying for multiple days to manage an Equifax Freeze online. I kept getting a message online to call. When I would call I would get a message that said manage freeze online. I finally spoke to an Equifax employee and no matter what I asked all she said was, I am unable to help you, please call again later. 

No explanation saying upgrading server, just try again. And I have been trying since last week. This is for a loan for a car that my credit union only works with Equifax. 

This company, Equifax, has the ability to deeply impact my life, holding onto my information and I have no control over or recourse against. And all they have to say is, try again later. 

Equifax needs to be held accountable. Right now they are not.
Consumer complaint received 2020-08-25
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: SYNCHRONY FINANCIAL (AZ)

XXXX XXXX. I tried to get it disputed but XXXX told me to call XXXX, XXXX told me to call the company that was listed they couldnt find no account with my name, number, social security nothing. Its lowering my credit And I have no knowledge of this remark on my XXXX XXXX   report.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IA)

My car was paid off XX/XX/2020, as of today XX/XX/2020, I have not received my car title. I called Kia XX/XX/2020, at that time I was told they still have the title and will get it processed ASAP. When I called today, I was told they have not done anything with it and am now getting the runaround.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid 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: PENTAGON FEDERAL CREDIT UNION (IL)

On XX/XX/2019, I bought tickets for four passengers from XXXX XXXX, for a XXXX XXXX XXXX  flight from XXXX to XXXX. I made the purchase using XXXX  gift cards. On XX/XX/XXXX, I received the attached email from XXXX  that confirmed the ticketing for the four passengers. On XX/XX/XXXX, I called XXXX  to pay a {$16.00} fee for seat selection on one of those tickets. I provided them the number for my PenFed credit card over the phone to pay the seat selection fee. The next month I received my PenFed credit card statement, which revealed that XXXX had charged me again for three of the tickets I had purchased in XXXX, costing {$48.00} each ( totaling {$140.00} ). I never authorized XXXX  to use my credit card to buy these tickets, which I had purchased two months earlier using gift cards. I immediately contacted XXXX, but they refused to correct the error and instructed me to contact my credit card company to dispute the charges. I contacted PenFed in XXXX to dispute the charges. PenFed has since tossed the complaint back and forth between their fraud departments and dispute departments, each one claiming the other was responsible for handling the dispute. PenFed has yet to resolve the dispute.
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX  whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (PA)

This is the file number from the credit reporting company. experian XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.
Consumer complaint received 2021-08-05
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. (GA)

After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " XXXX XXXX XXXXXXXX ", Im demanding it be blocked and immediately removed from my file. There's no agreement with either company, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-04-11
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. (IN)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2021-08-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

I've never heard of or received anything from this company. I have no knowledge of these charges : Copied and pasted from website : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY I haven't bought anything from XXXX ny .