davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (FL)

I have been contacting Experien for several months about the incorrect and inconsistency in my address my address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX on my personal information with Experien they have my address as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX this is incorrect and not accurate I asked for this address to be removed and delete it off my file when I talked to Experien and they informed me that the address was deleted but I am still able to see the address on my personal information this address should not be appearing when I log in on the website it XXXX XXXX  my correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX they also have on my credit report when I open my file with Experien they have another address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX when I log in on the website with Experien it gives me a message saying that my information is not matching up with the lenders which mean I have been locked out of my account and unable to see my score or to maintain my credit I ask for all this to be corrected but I keep getting lied to and they refused to let me into my credit file by refusing to update my address and deleting these addresses I do not want these addresses updated I need this address to be delete it off my file so that when I login with Experien on the website I am able to maintain my credit and look over my files and see the correct information The report number # XXXX please help me
Consumer complaint received 2023-12-01
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. (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. 

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

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 2023-06-01
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. (TX)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and/or TransUnion ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX . 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX . 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> my significant other who is a joint on the account was a victim of a phishing scam. We filed a dispute with Wells Fargo immediately, filed disputes with XXXX as her XXXX account was completely compromised and stolen. Filed a police report, and got dates and times for transactions that occured out of state in person in stores that the police are investigating. Wells Fargo denied my claim and said we authorized the transaction.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 

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
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (OH)

I have made XXXX requests for a complete hard copy of my report with a live service representative. I was informed 7-10 business days and no reports have been provided. There is incorrect information provided on this report which affects my insurance rates and their continued delay is costing me XXXX of dollars a month. I do not have access to a printer in order to print this report which is the reason for my request for a hard copy.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've submitted consumer statutes between XX/XX/XXXX and XX/XX/XXXX showing that XXXX does not have and has not ever had written consent to furnish personally identifiable information within my credit report. However, these loans are continually being reported within my consumer reports.
Consumer complaint received 2024-06-25
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 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2023 I woke to many emails from Bank of America that a checking account had been opened. I dont bank with them and honestly will never. I immediately called and got the account closed, no activity took place yet. Per their advice I froze my credit and changed all my passwords. 

XX/XX/2023, I woke to the same emails or an account being opened, a checking account from Bank of America. I called and took ages to speak to someone who then transferred me to the right fraud department and it immediately hung up on me. To then call back again and have to wait on hold to be told to call a specific 800 number not listed on their website. 

Im appalled that a banking institution would allow a checking account to be opened under a SSN thats frozen.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

My purse was stolen from my car outside of the barber shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready
Consumer complaint received 2023-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i received a hard inquiry on my XXXX account from Bank of America. Bank of America, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to XXXX to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from Bank of America. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

When monitoring my credit I noticed that a new collections was put on to my credit report. The Collection Agencies name is Vance and Huffman LLC in the amount of {$4600.00}. The original creditor was XXXX XXXX XXXX. This debt was found not to be mine and a result of fraudulent action. This debt was owned by a different collection agency and was removed from my credit report because it was not mine and now this new collection agency has wrongfully put it on my credit report. This is not my debt and needs to be removed from all three of my credit reports ASAP. This collection agency is in the wrong and needs to remove this collections from my credit report.
Consumer complaint received 2024-01-10
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. ()

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 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

DELETE ALL FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXXXXXX XXXX  XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-02-08
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. (GA)

DEAR XXXX, EQUIFAX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-08
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2023-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OK)

I have attached the emails and bank deposits along with the banks schedule of my XXXX XXXX XXXX account. 

There was {$160000.00} in existing client trust funds which had been in my account and collected. 

I received the first cashiers check via XXXX XXXX ( see copies ) on XX/XX/XXXX which I deposited per the Sellers instructions ( all in the e-mails attached ) I forwarded the entire email string to XXXX at XXXX and per the email instructions we wired {$90000.00} to the directed Citibank in MD. 
Per the XXXX and executed representation agreement, I transferred {$2500.00} to my operating account. 
On XX/XX/XXXX, I received a second cashiers check via XXXX XXXX drawn on the same bank ( in pdf ), I went down to XXXX that morning and per instructions wired {$97000.00} to the same Citibank MD account as before. The wire was instituted the same morning I deposited the cashiers check. The title to the Citibank XXXX was XXXX XXXX XXXX. 
I called XXXX XXXX and left a voice mail on Wednesday XX/XX/XXXX telling him I was feeling weird about the wire transfers On XX/XX/XXXX, the bank debit the first cashiers check for XXXX when it was returned uncollectible. XXXX never verified the funds were good before wiring same even after the voice mail to XXXX. 
On XX/XX/XXXX, when the bank discovered the first cashiers check was bad, they stopped payment and debit the second deposit out of my account as pending uncollectible because they knew there was fraud. 
I met with XXXX, the fraud lady at XXXX and she instituted a XXXX recall from Citibank in MD. 
We also met with the XXXX XXXX and filled out a police report. XXXX XXXX XXXX XXXX white collar crime on XX/XX/XXXX. XXXX XXXX XXXX XXXX The banks general counsel ( I talked to him this week ) is XXXX XXXX XXXX. His email is XXXX. 
The bank is denying any responsibility for the problem although XXXX ( wire transfers ) asked me afterwards how I received the checks and I told her XXXX and she said she could have told me that was a scam. 
I have attached data from the NJ law firm that was scammed by Citibank transactions to XXXX. 
XXXX ( XXXX XXXX told me the funds had been wired to Citibank to XXXX XXXX in XXXX. 
I have filed reports with the FBI, FTC, FBI, OSBI and the FDIC. 
I have attempted to contact the NJ law firm several times. No return call. 

XXXX knew or should have know there were scams and they wired uncollected funds without verifying their authenticity the same day the were deposited ( on the second wire
Consumer complaint received 2024-02-08
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)

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 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-08
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. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-05-09
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. (FL)

I am a known victim of identity theft. I followed the correct procedure of notifying the authorities, filing all the appropriate paperwork and sending it off to the credit bureaus. However. it has been several months an the credit bureaus have failed to respond at all to me. They have not written me or sent me anything at all. I know they only have 30 days to respond and that this is illegal.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My bank can not run my credit information because they have my account locked. I have made contact through TransUnion and other credit agencies through text message and XXXX and they have verified who I am but they want me to send my copy of my social security number a social security card. Am I Birth Certificate? I do not feel I have to do that. Because I did not lock that account. Or have any issues on or or have not been told any issues on why that is happening? I feel that the creditor is violating my right or stealing from me that they can not unlock my account. And I can purchase a vehicle. I don't feel I have to send my my social security number. Or birth certificate As I feel that they have been hacked and they have been breached in the past and I do not need that happening to my account or especially my social security card number and Birth Certificate. They have already identified who I am through XXXX and text messaging when I sent them a picture of my ID and of course, a XXXX they were fighting with me on the same person as the I. D. I need this situation. Handle it as soon as possible. And they should have not have the right to be able to tell me. I can not pull my credit report. Or an auto company, can I pull my credit report? Because they say they we can't
Consumer complaint received 2024-02-08
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. (CA)

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX