davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (MD)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide a wet ink contract to confirm the validity of these inquiries or delete them.
Consumer complaint received 2020-06-09
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I reported an account opened fraudulently to XXXX XXXX using my personal information in XX/XX/XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or Chexsystems, nor removed the accounts from these reports as they were opened fraudulently
Consumer complaint received 2024-10-11
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. (TX)

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

Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Request for debt validation, purchase agreement from the original creditor, cancellation of debt from the original creditor, chain of title, when the last payment was received and if there was any judgement or if the statue of limitations has expired has not been received.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (NV)

I am a victim of identity theft  my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX/XXXX account # XXXX XXXX/XXXX XXXX account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

Hello my name XXXX, I have a loan that was sent to cash app because I use cash app for business, cash app is suppose to allow any amount do be direct deposit and unfortunately payment was sent XX/XX/2020 @ XXXX XXXX and cash app has failed the direct deposit for some unknown reason. I also reached out to cash app with multiple emails today and still havent got a response from them. Can you guys please help
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

My wife and I both had our private information stolen in the Equifax security breech. 
Neither of us wants or gave permission for Equifax to compile our information so they may money off our private information. Our private information is now available to crooks FOREVER. It costs us {$60.00} to freeze our credit and up to {$60.00} to thaw each time. 
Equifax was warned of their lax security now millions of Americans have their private information available to crooks FOREVER.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

I was erroneously charged XXXX by XXXX. I immediately notified TCF about the charge. I learned yesterday they denied my claim because I didn't dispute more charges. My account has never been overdrawn due to any fault of my own. To make things worse TCF wnt back and assessed me {$220.00} worth of fees after they negligently closed my dispute.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-06-10
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: CITIBANK, N.A. (CA)

The creditor closed this card, considering that it appeared as a result of fraud. I have had talked to creditor 5 times, they agreed to solve that but in vain, so please remove it from my credit history.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

I was using my cashapp normally when all of a sudden my cashapp account was frozen, i then tried for 2 and a half weeks to get in contact with a support team member to no avail, i am homeless and my situation is URGENT. I still have money on my account and i thinj they stole {$760.00} out of my account, i spoke with a XXXX  member and they said that they never 'reversed ' any money, so i dont know why there was a {$760.00} reversal charge. Please help me.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-06-10
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. (GA)

TransUnion has not properly investigaed the following item on my credit report.I have requested this valaidation numberous time before. No documenetaion has been sent to me for this unverified account.
Consumer complaint received 2020-06-09
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$290.00}
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

Date of Transaction/s : XXXX XXXX ( based on conversation with customer service ) Place : FOREVER21 Somewhere in XXXX CA. 

Time : between XXXX-XXXX ( Three transaction was made successively in the amount between {$200.00} and {$300.00}, maybe the fourth transaction didn't go through already because of insufficient fund because the credit limit is only {$1000.00}. 

Note : The account was closed in XXXX after I posted a complaint at XXXX XXXX. XXXX XXXX successfully removed this from the " delinquent '' account. But once again Forever21 keep on sending the same bill ( with interest ) that I did not make. Please note also that I did not received any physical card from Forever21.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I JUST PULLED MY CREDIT AND IT SEEMS THAT CAPITAL ONE IS REPORTING AN INCORRECT BALANCE TO XXXX. 

THE BALANCE AS OF XXXX ON MY TWO CAPITAL ONE ACCOUNTS WAS XXXX AS I PAID THEM OFF IN FULL IN XXXX. 

THEY ARE REPORTING A BALANCE OF {$3100.00} AND {$2500.00} TO XXXX  MY ACCOUNTS ARE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I NEED THIS INFORMATION CORRECTED IMMEDIATELY. I AM MONITORING MY CREDIT VERY CLOSELY SO BE ADVISED THAT YOU ARE HEREBY ON NOTICE FOR VIOLATING MY FCRA RIGHTS BY REPORTING AN INCORRECT BALANCE TO XXXX
Consumer complaint received 2020-06-10
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: Mercedes Benz Financial Services (DE)

Hello and thank you for taking the time to review the complaint. According to XXXX  Mercedes Benz continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
Consumer complaint received 2020-06-10
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)

I have call TransUnion several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX   XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-06-10
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Over the course of two weeks I sent money to a unit manager who was renting an apartment in DC through XXXX. I was sent a renter 's application and lease. These forms seemed legitimate and I went ahead and signed the lease. This decision was made without seeing the apartment because of the stay-at-home ordinance placed due to COVID-19. After receiving the signed lease, the unit XXXX requested wire transfers for the cost of rent, deposit, and renter 's insurance. The total amount of money sent was {$11000.00} and was sent to two accounts, one with XXXX  XXXX XXXX and a second with XXXX XXXX. After receiving the payments the unit manager requested additional payment for rent. When I requested to speak over the phone regarding the latest request, they no longer responded. I found a phone number listed under their name online and called to find the unit manager was impersonating the unit manager of the apartment. I realized I was scammed and immediately reached out to the local police department to file a report. I reached out to Wells Fargo to file a claim. Wells Fargo has since denied my claim and I am waiting for the resolution of the police investigation.
Consumer complaint received 2024-11-15
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, XXXX and Transunion about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX
Consumer complaint received 2020-06-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

If I am not mistaken there is Student Loan forgiveness every where due to Covid. However Navient has ramped up the calls within the past month. They call at least 7 times daily. All from different numbers. I have blocked the majority of them. But this loan company is absurd. I have filed a complaint on this website previously on them and the calls ceased.
Consumer complaint received 2020-06-10
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: SYNCHRONY FINANCIAL (TX)

I received a Sam 's XXXX Synchrony Bank credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per XXXX. I have not had any success getting through with either Email ( XXXX ), or by toll free telephone XXXX. 

I can not make a human connection.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

Wrongful collection filled behalf of XXXX even though my account were paid in full I have called XXXX and there were no balance ( {$0.00} ) due nor they hired I C System to collect the debt on my account. I C System illegally reporting collection in m y credit report. I C System representative XXXX XXXX refused verify my dispute with XXXX XXXX  account XXXX account paid in full and still they are reporting collection in my credit report My Direct phone XXXX My XXXX account # XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX-XX/XX/XXXX