davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

***EQUIFAX*** This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all XXXX bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!!

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my Equifax report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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
Consumer complaint received 2024-01-04
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. (DC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally XXXX because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

CFPB complaint # XXXX was partially resolved on XX/XX/2023 by Bank of America XXXX They credited {$7000.00} of the XXXX from claim XXXX, and still owe me {$28000.00}. 

XXXX XXXX XXXX, whom we do not know, had called in using my Bank of America checking account to pay his Bank of America mortgage. He had called for 68 months and paid his Bank of America mortgage using my Bank of America checking account number. I am still determining how this is possible since I have to be authenticated at least three ways by Bank of America whenever I call. Bank of America was, at minimum negligent, or one or more of their employees participated in the fraud. 

On XX/XX/2023, Bank of America sent me the same form letter denying the rest of my claim and telling me to contact the merchant to return the remaining funds. This is the third letter like this I have received. Bank of America Mortgage is the so-called merchant. Anytime I contact Bank of America Mortgage, they say they couldnt find the transactions because they do not have XXXX XXXX XXXX 's account number. Bank of America has now returned 23 of the fraudulent payments and stopped payment on the XXXX. All of claim XXXX and 12 credits from claim XXXX. This latest letter, dated XX/XX/2023, is more of the same delay and noncommunication techniques that Bank of America has used from day 1. I have disputed closing claim XXXX. 

After complaint # XXXX was filed with your office, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX ext. XXXX contacted me. She informed me that she has XXXX XXXX XXXX account information and was working with Bank of America mortgage. I cant confirm with the Bank of Americas Fraud Department that XXXX was involved in the latest partial credit. 

After I received the information above, over the past 4 business days, I called XXXX several times a day, leaving messages. I have asked her to let me know if she is still working on my case. She has yet to respond to me by either email or phone.
Consumer complaint received 2023-02-11
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. (GA)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (TX)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately. 
XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$410.00}
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Beginning on XX/XX/XXXX we signed up for XXXX. Every month since then we were double billed for XXXX. The period from XX/XX/XXXX thru XX/XX/XXXX we were billed for {$17.00} and XXXX. From XX/XX/XXXX thru we were billed {$9.00} and {$19.00}. In XXXX we noticed the double billing and contacted XXXX, they apologized and said they could only credit us for 5 single charges. XXXX said to contact our bank to get the credits. Some time in XXXX we sent a letter to B of A requesting the credits. We didnt hear back from them so I resent the letter through certified mail on XX/XX/XXXX. To date we have heard nothing.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (RI)

Hello, I have an issue with Comenity Bank/Bread Financial who is the issuer of my XXXX Credit Card . I had forgotten that I pre-authorized a payment to my account last week, so I did not have the funds available in my account to cover it. 
Over the last 6 days they have called me XXXX times. I have also received XXXX other calls within that time period labeled with No Called ID. Obviously I can not prove that those calls were from them, but they did start on the same day and I had XXXX calls labeled No Called ID in the XXXX weeks prior to this. 
It is my understanding that the are not allowed to call me more then 7 times with a 7 day period. This is clearly way beyond that. 
I do also understand that my bill is due and that I owe them money. I am on a fixed income with payments at the beginning of each month. It was my fault that I didnt have the funds available as promised, but I think that this level of harassment is unnecessary and cruel for a company to do to a customer over {$35.00}.
Consumer complaint received 2023-06-12
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} 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 2024-05-22
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. (CA)

I sent out a request to Equifax on XX/XX/XXXX to validate that everything is accurate and verified on my credit report. They sent me back stating that everything is correct and verified. There are still inaccuracies on my report.

According to the fair credit reporting Act 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. 

XXXX XXXX. XXXX { a } ( XXXX 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. 

I filed a complaint with the CFPB on XX/XX/XXXX and attached documents that also proved these accounts were in fact inaccurate. I requested these accounts to be deleted from my credit report. This did not happen. 

I then sent a request for Reinvestigation XX/XX/XXXX to verify that these accounts were verified as accurate. They all came back updated and verified but are still showing major inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

The company is reporting negative information to the credit reporting agency known as XXXX that is adversely affecting my livelihood. 

I have never done business with this company and have never entered into any contracts with the company. And the company certainly does not have any express or implied consent from me to furnish such information. 

The company 's actions are a violation of the Gramm Leach Bailey Act and my privacy rights. 

I rely on my credit standing to provide for my family but the actions of the company are hindering my ability to do so.
Consumer complaint received 2024-05-22
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-05-22
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. (VA)

I've noticed unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This issue has caused me considerable stress, as these inaccuracies don't reflect my true financial history or money management habits. I've previously addressed this concern, and I'm now requesting expedited removal of these accounts from my report. If necessary, I'm prepared to pursue legal action to safeguard my rights and resolve this matter. These erroneous entries are impeding my ability to achieve significant financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this problem.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

I applied for a Chase Sapphire Reserve Credit card. My credit limit was over {$30000.00}. I also have a Chase Freedom Unlimited card that has a credit limit of {$5500.00}. The Chase Freedom Unlimited card does not have an annual fee The Chase Sapphire Reserve has a {$550.00} annual fee. I transferred most of the XXXX XXXX credit limit to my Chase Freedom Unlimited credit card. I currently have a credit limit of {$2000.00} on the XXXX XXXX. I have called several times to request that the annual fee be waived. They will not waive it. I requested this in accordance with public law 111-24 ( XX/XX/2009 ) 123 STAT. 1742. It states that by law the annual fee has to be waived if the annual fee is greater than 25 % of the authorized credit limit. Are you able to help me with this matter?
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-22
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-22
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. (VA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-07-28
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. (OR)

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ALL EMPLOYMENT EXCEPT STUDENT ALL  PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G
Consumer complaint received 2024-05-22
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)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX