davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (GA)

, 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 under 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.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I sent a formal letter to Equifax to remove a fraud alert on or about XX/XX/21. I also Called and requested that it be done. 
In addition to requesting to have the fraud alert removed, I am paying member of there myEquifax service which I use to stay on top of my credit score and changes I received a letter stating that the Fraud alert has been removed but on the paid service and well as another paid service that update the report, the Fraud alert has no been removed. 

I am attaching copies of the letter as well as copies of the screen and reports I recently applied to on a checking account and was turned down due to this alert. The alert is harming me personally and I had formally did the right thing requesting the Removal and even paying for the monitorig service does not get service.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

I called XXXX and Equifax in regards to the XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XXXX, XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called XXXX and Equifax, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
Consumer complaint received 2024-09-25
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. (TX)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Debt validation was requested and was never received. 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 ( 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 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I XXXX {$500.00} for a down payment to someone selling an auto on XXXX. I never received the vehicle nor a refund, nor anymore feedback after several several texts messages, XXXX messages through messenger. I have already filed a complaint with XXXX, XXXX, XXXX and also called the recipients bank to no avail no one has tried to help me with this matter. I was told I could file a police report but I have not done so. I would just like to receive my money back. I do have all the proof of the payment, messages, calls.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I tried to deposit a check via my mobile application as I am a XXXX person. Bank of America is now erroring my mobile deposits, and holding my money for accessive time. After I tried mobile deposit they went ahead and closed all my Bank of America accounts down. Apparently they do not do business with XXXX individuals. Their online system is not able to assist XXXX individuals like myself. I have attached the messages that I received this morning from my online experience.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In a recent copy of my credit report ( Confirmation # XXXX ), Equifax reported no payment activity during a XXXX year period ( XXXX XXXX XXXX ) on any of XXXX credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by XXXX, while XXXX XXXX  XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the XXXX period under review and for which monthly data is reported.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX - XXXX Last updated XX/XX/XXXX Balance {$530.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current BalanceXX/XX/XXXX Monthly Payment - Original Creditor XX/XX/XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$170.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XX/XX/XXXX Monthly Payment - Original CreditorXX/XX/XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXXXX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number XXXX Remarks XXXX for collection XX/XX/XXXXXXXX Last updated XX/XX/XXXX Balance {$650.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current BalanceXX/XX/XXXX Monthly Payment - Original Creditor XX/XX/XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number XXXXXX/XX/XXXX XXXX Credit Limit Current Balance {$300.00} {$470.00} Credit Utilization 159 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Credit Limit Current Balance {$0.00} {$1300.00} Credit Utilization 0 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX Credit Limit Current Balance {$20000.00} {$24000.00} Credit Utilization 120 % Account Type : Account Status : Open Since : Last Account Activity :XX/XX/XXXX spending credit card Closed XX/XX/XXXX XX/XX/XXXX Inquirer : XX/XX/XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX Reported on : XX/XX/XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I have a collection account and credit inquiry listed on my Equifax credit report that 's fraudulent and unauthorized, and do n't belong to me. The following debt collection account and credit inquiry do n't belong to me : XXXX/17, XXXX./XXXX {$1200.00} and XXXX/17, XXXX.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XX/XX/year>. A friend sent me XXXX XXXX XXXX dollars in XXXX through the coinbase wallet. After I received it, I found that the amount was changing at any time. There were several screenshots of the time, and the amount changed hugely. I doubted whether this was XXXX.. I want to send to another platform but can't send because the assets are on XXXX. I don't know why. Then I asked customer service and customer service asked me to pay XXXX gas fee. I think this is fraud. If I want The payment can be automatically deducted, why should I pay extra? This is a common trap for fraudsters. I report it to you and provide these screenshots. I hope you can help me investigate, deal with them, and recover my XXXX XXXX XXXX dollars. Thank you! 
For a long time, Coinbase has never provided help with customer service. They usually don't answer and just ignore it. This customer service was recommended by a friend. I don't know if it is true. It may be a fraud syndicate. I hope you will investigate.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I requested for Equifax to remove about XXXX Hard Credit Inquiries of my report, which were not made by me, i have not received a response from Equifax, nor were the inquiries removed. I also have XXXX different XXXX accounts showing on my credit report, i have never had XXXX different accounts with them and they impact my credit in a negative way
Consumer complaint received 2024-10-15
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 2024-11-14
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. (NV)

XXXX. Background and Issue I am a victim of identity theft as a result of the XXXX data breach, which exposed my personal information and led to unauthorized accounts appearing on my credit report with TransUnion. Despite my formal written request to TransUnion to block and delete these fraudulent accounts, as permitted by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), TransUnion has not complied. 

XXXX. Details of Unauthorized Accounts I specifically requested that TransUnion block and delete the following unauthorized accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX XXXX XXXX  XXXX Lender Account Number : XXXX These fraudulent accounts are damaging my credit report and exposing me to potential financial harm. As a victim of the XXXX data breach, I have taken every possible step to protect my identity, yet XXXX refusal to act is obstructing my efforts to mitigate the consequences of this breach. 

XXXX. TransUnions Failure to Act Under 15 U.S.C. 1681c-2 ( a ), TransUnion is legally obligated to block and delete fraudulent accounts from my credit report upon receiving notice and proof of identity theft. However, TransUnion has neglected to take the necessary steps to remove these unauthorized accounts, disregarding my rights as a consumer and compounding the harm resulting from the data breach. 

XXXX. Request for CFPB Assistance I am seeking CFPBs intervention to ensure that TransUnion fulfills its legal responsibilities under the FCRA by : Promptly blocking and deleting the unauthorized XXXX XXXX  and XXXX XXXX  XXXX XXXX accounts from my credit report. 
Providing written confirmation of these actions. 
Offering clear communication regarding the resolution of my request.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX has many errors on my credit file from wrong phone numbers, balances XXXX I have requested my complete credit file from XXXX and have yet to receive it. 

Nothing but the run around with a complete credit file with all the pages. 

XXXX has many to much gather wrong info.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I was charged over {$10000.00} for 3 months of schooling. I gave back the computer and the books and was still charged with this outrageous amount. I am now XXXX and am unable to work so I am having a lot of trouble paying back my loan
Consumer complaint received 2017-04-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (WV)

We are in financial trouble due to a combination of factors, including an unplanned job change that resulted in income reduction, and an eldercare situation in which my wife and I have become the sole caretakers of her XXXX old mother with no assistance ( timewise or money ) from other family members. Although we were not debt free to start with, these circumstances have greatly increased our debt ( both credit cards and unsecured loans ) ; while not large, used up the 401K and pension funds I had saved ; and prevented my wife from working due to caring for her mother. After my pension/401K money was used up we finally " hit the wall '' where our debts and living/eldercare expenses exceeded my income. I am not unwilling to pay our debts but need help doing so - I am entering into a Debt Management Plan with a non-profit credit counseling organization, which is helping me get reduced payments and interest rates from my creditors so I can pay them back over time. I chose this option because I do not wish to default on everything and enter into debt settlement ; neither do I want to declare bankruptcy. Nearly all my creditors are cooperating with my debt management efforts except XXXX. I took out a $ XXXX peer to peer loan with Lending Club in XXXX and was about halfway through the 60 month repayment period when all this came to a head. I still owe $ XXXX and the payments are $ XXXX/month, which is killing me as I try to tighten my belt and make this DMP work. Lending Club refuses to participate in the DMP. I have called them personally on several occasions and indicated I am committed to repaying my debt but that I need a lower payment to do so. The only assistance they have given is to push back the due dates to give me a little more time to get they payment together. Unfortunately under our present circumstances there is almost never {$360.00} available that is not needed for something else. I delayed the XXXX XXXX payment until XXXX and was able to pay it mainly because I had stopped paying my other credit cards in anticipation of the DMP. The XXXX payment has been pushed back to XXXX XXXX and as I am making the first payment into my DMP, I do not have enough funds to pay it. Likewise I am not sure how I am going to be able to continue the monthly payments moving forward. I acknowledge that I did agree to Lending Club 's terms, and was able to abide by them for 2.5 years, but things have changed and I am teetering on the verge of bankruptcy, which is not the most favorable outcome for either of us. I have difficulty understanding why Lending Club will not budge when my other creditors have been surprisingly cooperative. Is there any kind of help I can get short of bankruptcy.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the month of XX/XX/XXXX, I made a payment for XXXX prior to my statement balance date ending on XX/XX/XXXX. Prior to making a payment, I owed {$380.00}. I paid XXXX month, XXXX before my statement balance ended. After I paid, on the following day, XX/XX/XXXX, I was told that I was XXXX dollars short of my payment and I will be reported to the credit bureau in 2 days and I was. After all of the years of being a longtime XXXX  XXXX customer for XXXX  years, making XXXX late payment in XXXX and XX/XX/XXXX due to an illness and job reduction, I was recently reported late XXXX days late to all XXXX credit bureaus. This is very disappointing, and disgraceful. My husband and I are currently pending for another mortgage loan and due to this late payment, I can no longer qualify. This is a big loss for me and my family and I would like for my report to be updated and/or reimbursed for the damages.
Consumer complaint received 2024-09-25
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. (KY)

AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our XXXX XXXX XXXX, XXXX XXXX, at XXXX
Consumer complaint received 2024-10-15
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. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at Account at XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ACCOUNT # XXXX, with an outstanding balance of {$8700.00} and a Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2024-09-25
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: Experian Information Solutions Inc. (OH)

I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ( Inquiry date XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX Inquiry date XX/XX/year> ) XXXX XXXX  XXXX XXXX XXXX, XXXX MI, XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX DO- XXXX XXXX XXXX XXXX XXXX OH, XXXX