davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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.
Consumer complaint received 2023-08-07
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. (CA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}
Consumer complaint received 2023-08-07
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. (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 2023-08-07
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. (NY)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc. (TX)

I noticed unauthorized transactions on my account on XX/XX/2023 and immediately reported them to the issuer of my debit card. 

The card issuer/bank immediately responded that they would not be issuing any provisional credits as a result of these unauthorized charges. 

The bank then notified me on XX/XX/2023 that they were denying my disputes and that they would not investigate them any further. 

I did not authorize any of the charges that were made to my account and I want the money returned to me immediately. 

I have listed all of the unauthorized transactions below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

National Credit Systems and their client have placed a {$500.00} collection on my credit file for a deductible on a bond policy that had paid my previous landlords monies for damages/fees I supposedly incurred due to my leaving. 
Originally, I was disputing this debt under the notion that it was for damages left in an apartment and potential violation of lease fees, because thats what I was told by the leasing office. This information was not correct. The account manager for National Credit Systems XXXX XXXX XXXX who had previously provided me with incorrect information, updated the reason for the debt to be that of one owed to a Bond Company that was in contract with XXXX XXXX XXXXXXXX XXXX XXXX Once the reasoning behind the debt was clarified ( XX/XX/XXXX ), I explained that I did not leave my apartment with any damages. I have a few clips from my move-out. In addition to this the regional mgr XXXX approving my leave. I had purchased a home and could only break the lease without penalty with his approval. The conditions were to give the official notice, leave the apartment in mint condition/have anything fixed my maintenance prior to the leave, and complete a walk-thru. All those conditions were met. Now I'm being told by NCS that the bond deductible is owned by me due to the apartment complex stating I owed for damages and prorated rent ... .the bond company apparently paid XXXX XXXX XXXX for damages that were completely false. When I asked for the bond company 's direct contact info or to be conference called with them NCS declined my requests. I went to the physical location of the apts, the maintenance mgr XXXX even confirmed to the new owners that nothing was wrong with my apt when I left. The new/old property management offices have neglected to return my calls. The NCS account mgr told me on a recorded line that she's never seen this overturned and that I should just pay what I owe. She told me that there was no way to prove the apts had sent in false info to the bond company. Even with a statement from the maintenance mgr and a vid of my apt she stated that no one ever wins in these scenarios. I abided by all the terms of my early lease termination which is how I was able to leave without penalty. I do not owe this debt and have been blocked and rejected at every turn to fix this injustice. Please help me. There has been no evidence from XXXX XXXX management or the maintenance staff anything other than my leaving the apartment in outstanding condition. Also, I even paid utilities days after I left, and no one reached out to inform me that this was happening from the leasing office. 

I have attached a screenshot of the timeframe where XXXX approved my request. The video says " exceed '' I was unable to upload it here.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (PA)

Date : XXXX XXXX 2023 Company : Cash app Amount : over XXXX $ Hey Ive reached out to the company cash app several time and talk with them about my account being hacked. They told me first that it will be under investigation for 10 business days which I waited.Then after that they told me they couldnt do anything so dispute the transaction on the app. Then once I did that they denied me sending me a email. It was about 15 different purchases which the hacker spend over XXXX $ from my account. I have Proof, debit card records etc. they also canceled my card after I call them every day.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX, EXPERIAN, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-08-07
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from .These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. XXXX XXXX XXXX I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 from FTC report ] 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and Equifax is showing different history on XX/XX/2022.
Consumer complaint received 2023-10-28
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)

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to TransUnion Credit Bureau. TransUnion did remove the items, and then 4 days later it was back on my credit profile. I called TransUnion and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told TransUnion once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to TransUnion disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked TransUnion how is the creditor verifying debt that is not mine? TransUnion stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XX/XX/XXXX they don't have any records of me having an account with them., XXXX XXXXXXXX XXXX this has a XXXX Ohio address that I've never been at XXXX XXXX XXXX XXXX XXXX This account is from XXXX Ohio ( I haven't been in XXXX Ohio since XXXX ) they're trying to say I co-signed for this. This isn't mine!!!!
Consumer complaint received 2023-08-07
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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-07
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-08-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.