davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-06-21
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous details that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (MD)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

In XX/XX/XXXX I noticed charges on my credit card that didn't make sense to me. I researched online the abbreviations that I didn't understand. There were five companies listed : XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, and XXXX {$54.00} in XXXX. In researching, I found these were online dating services. I live in XXXX and have no idea how these charges got on my Bank of America XXXX. 

I called the Customer Service number on my statement who transferred me to their Fraud Department. Unfortunately, I did not write down the name of who I spoke with but she immediately cancelled my credit card and issued me a new one with a different account number. This lady said all charges would be removed. She also said that in looking back previous statements the charges were also listed on other months ' statements. I was surprised to learn of this. Typically, my credit card charges range anywhere from {$2000.00} to {$5000.00} monthly, I do not look at every little charge and did not notice it until the XX/XX/XXXX - XX/XX/XXXX statement. I was informed that Bank of America 's Fraud Department would investigate how far back I had incorrectly been charged and then reimburse me for them. The lady assured me I would not be responsible for these fraudulent charges. 

On XX/XX/XXXX I received a letter in the mail stating that after additional review, it had been determined my fraud claim was not approved because payments were made and statements were mailed to my address since XX/XX/XXXX. Again, I was not aware of these fraudulent charges until XX/XX/XXXX. 

I have tried talking to Bank of America and they are standing firm in their decision. I did not make these charges and I do not agree with paying for them. I am paying the amount of my credit card that I know are my charges. I am not paying for the {$1500.00} in accumulated fraudulent charges. I have had this credit card for 30 years and have never had an issue before. After paying the amount I owe, I am cancelling the credit card - NOT paying the {$1500.00} or the {$41.00} in finance charges.
Consumer complaint received 2024-06-21
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)

I reviewed my consumer reports and noticed that i had XXXX late payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.
Consumer complaint received 2024-06-05
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. (PA)

My credit report shows accounts I am unable to recognize. I have had my identity stolen. Each unfamiliar account is listed in the letter. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. I am unaware of these accounts, and they should be removed. Here is my respectful request to have the following items removed. Please accept my sincere thanks in advance.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (LA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made 2 cruise purchases in XXXX using my Bank of America XXXX XXXX credit card. 

Purchases : XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$890.00} Once the pandemic started and cruises were not allowed, I requested a refund from the cruise line, they resisted but finally issues some credits for what I had paid which occurred in small amounts over a period of several months, and are as follows.. 

Credits to my BOA card from XXXX XXXX : XX/XX/XXXX {$300.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$100.00} I then disputed the remaining balance with Bank of America ( {$1600.00} ) since we were never able to take the cruise. I found out later that Bank of America mistakenly only disputed the remaining balance from the " initial '' charge of {$2000.00} on XX/XX/XXXX and as a result I only got a credit from BOA of {$800.00} ( {$2000.00} minus the merchant credits above ) on XX/XX/XXXX. That left a remaining balance on my card of {$890.00} XXXX the charge from XX/XX/XXXX ) which I then promptly disputed - XXXX # XXXX per BOA. I received a credit from BOA for the {$890.00} amount on XX/XX/XXXX leaving me with a final balance of {$0.00} dollars and thought the matter was resolved. 

On XX/XX/XXXX however BOA re-charged me the {$890.00} amount stating that the merchant claimed that had already credited my card back for that amount ( which they had not as you can see from the credits above ). On XX/XX/XXXX, I contacted the BOA Representments Dept. in XXXX, TN and spoke with XXXX. She was very helpful and reviewed all of the debits and credits with me and confirmed/stated that the {$890.00} amount should NOT have been re-charged back to me. She apologized for the issue and said she would resubmit the dispute and that I would not be responsible for min. payments. Since that time, I've spoken with BOA reps several times and have received conflicting information regarding the dispute process. For a few months after speaking with XXXX, the amount still showed on my account but it did not indicate I was responsible for making a min. payment, however, starting in XXXX XXXX that changed and the system now shows I am responsible for min. payments while they continue to investigate. I've spoken with the BOA Arizona office twice since that time and have been told that I am indeed responsible for making the min. payments on this amount and that there is no ETA on when it could be resolved but that most are handled in approximately 6 months. While I realize the pandemic in XXXX has greatly exacerbated issues like mine, as a customer, I am beyond frustrated that BOA is taking so long to resolve my claim and even more so that I'm now having to make minimum payments on an amount that I should not have been re-charged. Any assistance you can give me is GREATLY appreciated. Thank you.
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  found on my XXXX and Equifax report which I do not recognize. I called XXXX to report the discrepancy and they suggested I file a complaint here.
Consumer complaint received 2024-05-01
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)

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX  - XXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX  - Account Number : XXXX {$290.00} XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-22
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)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (MD)

I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / United Wholesale Mortgage that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane XXXX. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. UWM maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the UWM online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted UWM regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the UWM portal during this entire period was {$0.00}. UWM relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by UWM stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, UWM stated that I had not been delinquent in payments. Upon closing my loan with UWM, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. This is my 7th letter that I was affected by inaccurate credit report data. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are incorrect credit information : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-01
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. (NV)

I am writing to file a formal complaint regarding fraudulent accounts on my credit report, which have resulted in denial of credit applications. Upon reviewing my credit report, I discovered the following unauthorized consumer finance accounts : XXXX XXXX : Opened on XX/XX/XXXX, Account # XXXX, with a balance of {$24.00}. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX, with reference number # XXXX. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX with a balance of {$400.00}. 

These accounts are not mine and are the result of identity theft. I have been a victim of identity theft since early XXXX, and despite repeated attempts to rectify the situation, fraudulent accounts continue to appear on my credit reports. This has severely impacted my ability to obtain credit and has caused significant distress in my daily life. 

Moreover, I must emphasize the urgency of this matter as I am also a XXXX XXXX XXXX XXXX. The financial repercussions of these fraudulent accounts exacerbate the challenges I face as a single mother of XXXX XXXX. They hinder my ability to provide for my family and hinder any chance of moving forward. 

Despite my efforts, the credit bureaus have provided minimal assistance and have made it exceedingly difficult to have these fraudulent accounts removed from my credit report. This lack of cooperation exacerbates the distressing situation I find myself in. 

Therefore, I kindly request immediate action to rectify this matter. I urge the Consumer Financial Protection Bureau to intervene and assist in the removal of these fraudulent accounts from my credit report. Additionally, I seek guidance on steps to prevent further occurrences of identity theft and financial fraud. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this pressing issue.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-01
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. (NY)

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX