davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TN)

i submitted a payment to XXXX XXXX  located in XXXX MS . I purchased a used refrigerator for {$550.00} on XX/XX/XXXX.On XX/XX/21 I moved into my home the refrigerator did not work.I contacted the vendor he stated he was coming out to repair the refrigerator but he has not and has not returned phone calls or texts. I reached out to CashApp but they state they cant do anything about the situation and just request a refund from the vendor. ive requested a refund but the vendor has not responded. i have reached out to CashApp several times relating to my refund but no response
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge
Consumer complaint received 2024-02-03
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. (IL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX Equifax and XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX to never late paid as agreed. in accordance with the FDCPA.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this letter to dispute and request the immediate removal of two fraudulent hard inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft, and I am deeply concerned about the impact these unauthorized inquiries may have on my credit standing. I have taken all necessary steps to investigate these inquiries and provide evidence of their fraudulent nature. 

The unauthorized hard inquiries are as follows : Inquiry by XXXX - Miscellaneous Finance on XX/XX/XXXX Inquiry by XXXXXXXX XXXX XXXX Auto Loans on XX/XX/XXXX I would like to bring to your attention the following reasons why it is implausible that I would have sought loans from the listed creditors during the mentioned periods : XXXX - Miscellaneous Finance : On XX/XX/XXXX, I was not in a financial position to seek any new credit arrangements, as I was in the process of recovering from a major medical expense. During this time, I was focused on managing my medical bills and restoring my financial stability, rendering the need for additional credit completely unnecessary. 

XXXXXXXX XXXX - Auto Loans : On XX/XX/XXXX, I was already a proud owner of a vehicle, and there was no reason for me to explore new auto loan opportunities. Additionally, I had been diligently working on improving my credit score and maintaining responsible financial habits, making the decision to apply for an auto loan contradictory to my financial goals. 

I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, I have contacted both XXXX and XXXXXXXX XXXX to investigate these unauthorized inquiries. To my disbelief, both creditors confirmed that I had never initiated any credit applications with them during the specified time frames. Their confirmation provides further evidence of the fraudulent nature of these inquiries. 

I kindly request that you initiate a thorough investigation into these unauthorized inquiries and ensure their immediate removal from my TransUnion credit report. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and help rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance in resolving this fraudulent credit issue. Please feel free to contact me if you require any additional information or documentation to facilitate the investigation process. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
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. (FL)

I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX.Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Midwest Loan Services, Inc. (OH)

On XXXX, XXXX, Midwest Loan Services withdrew {$1300.00} from our checking account without our authorization. This resulted in a double payment because I had set up an autopay through my bank. 

Our home mortgage was recently sold to XXXX XXXX XXXX, which uses Midwest Loan Services. The company had sent us a " welcome packet '' with a form for us to complete if we wanted them to extract the money from our account. We did not fill in that form. Instead, we set up autopay through our bank account. 

Today, I spoke with XXXX 's agent, Midwest Loan Services, and resolved the problem. However, I would like to let you know about their illegal practice so you can make sure they don't treat other customers like they treated us -- withdrawing funds without the customer 's permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment XXXX Fields XXXX - Address, Positions XXXX ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.
Consumer complaint received 2023-01-02
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. (LA)

I have looked over my credit report several times and 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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.
Consumer complaint received 2022-09-14
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. (GA)

This is my 6th endeavor to tell EXPERIAN AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had one card from Bank Of America, only one credit report shows this second report for XXXX that I have no knowledge of and fighting in court over this. I have sent multiple letters to BOA to send me the signed contract, but dont have one. I need this solved before my credit score suffers and want it washed away from my credit report
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of human trafficking debt bondage, which is categorized under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the suspect reported data fields alleged for this now contested reported items of injury.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (FL)

I just received a notification from this collector Rausch Sturm LLP, and i NEVER received any communication from XXXX XXXX also i not have any credit card with XXXX XXXX, this account is not mine, i demand proof of this account, also Stop to call me you call many times to my phone number inclusive when i work, again this account is not mine. See attach Reference # XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

to whom it may concern 1. I got a new job, and I am also legal rep/ officer for the new company.

When I turned in the XXXX  small business application, it got Declined ; reason below -- We can not approve your application at this time because XXXX or more of your business previous Card accounts and/or loan products has been canceled by American Express Reference to small business XXXX XXXX XXXX XXXXXXXX XXXX. I keep trying contact XXXX a. XXXX department ignore and dont understand what I am talking abt, which idk where are they based for, which I barely understand their XXXX XXXX I called customer service in XXXX XXXX, she helped me talked to XXXX  Credit app department, she said because my name is showing as outstanding, meaning they would never can approve application under my name. she refer me talk to Corporate card department Reference to my previous company corporate card # XXXX XXXX XXXX XXXX I called XXXX  corporate card department asking remove my name, but then they gave XXXX XXXX And XXXX XXXX XXXX XXXX XXXX Then I called XXXX And XXXX XXXX XXXX XXXX, they said XXXX XXXX XXXX contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX did find my name in their system ) p.s. 
- previous company i worked for went to XXXX deal- i am not owner/office for the previous company kindly pls help contact XXXX  for removing my name in their blacklist
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

Travel Agency is fraudulently charging me for a reservation I did not make nor authorize.

I finally was able to get in touch directly with XXXX XXXX XXXX with the help of XXXX and asked them to send me a copy of the reservation ( attached ). The reservation is fraudulent. I did not authorize this transaction and would like a full refund.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Equifax Infromation Sevices LLC. Despite notifying them over XXXX  days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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)

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. 

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.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.