davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank XXXX XXXX XXXX XXXX loan- this was flagged by them as fraud and reported to the XXXX credit bureaus. 
XXXX Bank XXXX- this was flagged by them as fraud and I was told to report it the bureaus Capital One- said they did not receive the inquiry or application but it is showing on my credit report by all XXXX bureaus. 
XXXX - flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year> XXXX  - called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX  ( XXXX ) - a new credit card was opened in the amount of {$35000.00}. I called chase immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. XXXX sent me a letter on this date to that effect, and both my XXXX and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that XXXX had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at XXXX should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Consumer complaint received 2024-10-08
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)

This is supporting Documentation for complaint # XXXX filed against transunion. The accounts reporting incorrectly have been removed by XXXX, and XXXX without any issue, but transunion has refused to remove this fraudulent information
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

CFPB complaint XXXX u asked for my sensitive personal id. I hope u treat the fraudulent corporation with said invasive sensitive proof demanded of me the victim of their financial crimes!. U sent me a link in an email to upload my ss card my Gov is and a bill. Then u wanted me to tell u my address for 2 yrs my dob and ss number. I did that multiple times for an hour. Your site is BROKEN and wont let me upload docs. Im complying with your request here. 
I have lived here for 24 years and the other info is on the documents u demanded from me or else u wont consider my complaint. Unfair. 
Make the XXXX  prove they paid ins from XX/XX/XXXXXXXX  to XXXX. Make the XXXX  prove they delivered 2 legally required completed cancel docs at execution with proper dates and address of property. Neither can be proved without their fraud. The address is wrong and includes the house across the street! Dates wrong. 2 legally compliant cancel docs are required to be delivered to borrower and they still have not done so!!! It never happened. XXXX removed the loan completely as should you. You have willingly and intentionally ignored my proof of escrow cancelation, multiple times, my proof of ins payment, my proof of their written promises to cancel this loan and remove from credit bureaus. U ignore my evidence intentionally and recklessly and to my harm. I have been forced to sue for inaccurate credit reporting. U dont care. U ALWAYS side with little to no evidence from the corporations here. That system is unfair and broken. There is overwhelming proof the debt was paid and u ignore me and side with a corporate non of the head absent ANY proof. Thats just wrong and harmful. 

All money was returned to XXXX  per loan terms in check XXXX less damages to me. Thousands of dollars more than I got in loan proceeds were missused to make up payments for the canceled loan. XXXX has removed the loan. XXXX XXXX has no record of the loan. But u dont care. U only side with a comment from a corporate employee and continue to cause me sever emotional distress intentionally or and negligently. Prove the ins was paid. Prove the lender delivered 2 cancel docs required by law EVER!!! I still have three days to cancel and I did and u know it and just disregard my rights and interest recklessly and cruelly. 
U are cruel.
Consumer complaint received 2024-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

Request made to MOHELA on XX/XX/XXXX requesting refund of payments they collected from me when they were not supposed to per federal guidance ( due to administrative forbearance ). The payments were made XX/XX/XXXX and XX/XX/XXXX, each for {$650.00} ( total refund due : {$1300.00} ). I received confirmation from MOHELA shortly thereafter, indicating that the request for refund was received and forwarded to the US Treasury. MOHELA indicated that they can not give status update about the timeline for refunds, and that those questions have to be directed to the Treasury. I have attempted to call the Treasury multiple times using various numbers I have found online, including XXXX and XXXX. The menu for the first number provided simply hangs up, saying my request can't be completed. The second number frequently says the department is busy and can not take my call at this time. I have no update on my refund, nor have I received payment. 

I filed a consumer protection complaint on XX/XX/XXXX. Mohelas 's response was that my student loans transferred to XXXX XXXX in XX/XX/XXXX, therefore they are not responsible for refunds. They closed my complaint. This argument is inappropriatell because I made the refund request on XX/XX/XXXX, prior to my loans being transferred to XXXX XXXX, XXXX Mohela responded that they would be submitting the request. Mohela never addresses my complaints, and gives canned answers instead of investigating. I just want to know where my refund is.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (PA)

I have a Destiny Mastercard. Every month they extend the amount of time it takes to credit my payments, and when I call to inquire, they give me a different time span every month. I made a payment on XX/XX/year> in the amount of XXXX, and to date they still have not credited my payment, adjusted my balance or released my available balance. Last month when I called they said it takes 7 business, the month before they said 5. They need to pick a time span and stick to it.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (VA)

On XX/XX/XXXX I ordered my online groceries. I typically order directly through the XXXX app and Ive never had an issue when cancelling an order, having the money back in my account promptly when I banked with a different provider. 

The reason Im concerned is because it shows as a good on my account. My understanding is a hold and purchase are different. 

I urgently filed a report with my company and asked them why they couldnt return my funds as they never were authorized to leave my account. It will typically come out of my account as soon as Ive signed for my groceries. When I called on XX/XX/XXXX they told me it would be 3 days to return the funds. 

Today is Thursday, XX/XX/XXXX. So I called again to XXXX. The woman I spoke with had no solution and told me she would escalate this again. When I asked for a supervisor I was met with XXXX from their company saying she was a supervisor. After I was unhappy with her service and her not answering my questions on why they posted this transaction and didnt release funds promptly she told me their was no other supervisor I could speak with. I asked to speak with her claims department and she told me their only accessible by email. She then refused to give me their email. She refused to give me an employee number or anything to identify who I was speaking with. 

As a consumer Im very concerned with my security and how they allowed this to happen and how they allowed this to go days without anyone actually seeing the problem and assisting. 

Thank you so much for your time and assistance here. Ive never been so scared to purchase something when its my financial institutions job to ensure my transactions are authorized and true.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Im deeply troubled by the impact my current credit scores are having on my life. The inaccuracies in my credit report are causing my scores to be unjustly low, which is preventing me from accessing the credit I need and causing significant stress. This ongoing issue has made it difficult for me to manage my finances and is affecting my overall well-being. Despite my numerous attempts to address this, Ive seen no resolution. I have attached an FTC report that details these inaccuracies.
Consumer complaint received 2024-09-11
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. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago XXXX acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for XXXX and Experian Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.
Consumer complaint received 2023-05-10
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: CL Holdings LLC (PA)

ON XXXX, I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Consumer complaint received 2023-05-10
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. (MD)

I submitted a complaint last XX/XX/2023 and it was closed immediately. The companies involved responded, some items got deleted but most of them are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-18
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NM)

I dispute the presence of fraudulent accounts on my credit report. Despite assurances from banks that these accounts would be immediately removed, they persist on my report. Other bureaus have already corrected this error. XXXX and XXXX have already removed these accounts due to identified errors. It is perplexing that Equifax has not done the same. 
Please remove the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I sent in Disputes on XXXX XXXX to Experian some account that I believe were inaccurate. Experian came back and refreshed that the accounts were accurate but when I pulled up my credit reports across all reporting agencies each one is still say something different. So if this information is correct I would like them to tell me how they verified
Consumer complaint received 2023-09-06
Product: Credit 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: GOLDMAN SACHS BANK USA (TN)

Back in XX/XX/2022, there was fraud done in my account. That was fixed. I called in XXXX, to make a payment on the whole account. They told me I had cash back of {$760.00}. I told them I did not want the cash back due to being from the fraud that was done. I did not want it to came back afterwards towards me. They told me the cleared the cash back. ( I dont have access to this account portal since XX/XX/2022 ) End of XXXX I received a statement that I owe {$1300.00}. Keep in mind my balance should be around {$800.00}. They told me that was from cash back that was added toward my account they dont know why. They have done 2 disputes. They tell me they will contact with me I have not heard from this was since XXXX. My last statement says {$320.00}. They transfer to different departments. No one is able to tell me about my account or help. They only make a claim dispute but does not go under my favor. Last call they transfer me to Apple Cash they can see it was transferred to Apple Cash ( but I dont have access to that Apple ID Due to being change from the fraud. They know the email they have in file is not mine and they say they send documents to that email. They are violating my privacy. After multiple time telling them I dont have access to the email. I need help. This is un fair. If it was a transaction I did I would understand. They tell me I have two late payment which I have called every month to get it fix they said my account is under investigation, to not worry about the payment. Now, they say I have 2 late payments. This is messing my credit score before all this it was perfect now it have drop to much. Please help me or guide me to what to do. I will attach the statement they have sent me.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XX/XX/XXXX
Consumer complaint received 2023-10-18
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. (FL)

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 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 2024-09-11
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-09-11
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX