davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges.

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/24 I took my adult son to cash a check at Bank of America. He had received a {$5200.00} check from XXXX XXXX drawn on Bank of America. He does not bank with Bank of America. Assistant Manager XXXX XXXX was polite but refused to cash the check because it was over the amount they will cash a check for. She would not disclose what that amount is. They did not need to see the check before refusing the honor it. I believe they wrongfully dishonored the check and they have a duty to cash the check after performing their diligence ( funds availability, ID check, etc. ) according to UCC 4-402.
Consumer complaint received 2024-01-19
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)

Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment XXXX debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, XXXX XXXX Equifax and XXXX requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Dear American Express Customer Service Team, I hope this letter finds you well. I am writing to address the recent denial of my credit application with American Express. According to the provisions outlined in the U.S. Code, specifically 15 U.S. Code 1691 and 1602, it is unlawful for any creditor to discriminate against an applicant who has in good faith exercised their rights under this chapter, including the right to address concerns regarding credit transactions.

The term " applicant, '' as defined under 15 U.S. Code 1691 ( b ), encompasses any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. I believe my application was unfairly denied due to circumstances beyond my control. Specifically, my social security card was used in a transaction from which I received no benefit, qualifying it as an unauthorized use under 15 U.S. Code 1602 ( l ) and ( p ). This unauthorized use should not reflect negatively on my creditworthiness or eligibility for credit.

As a consumer, I am entitled to fair treatment in credit transactions, including the right to have my application reconsidered in light of these circumstances. I kindly request that you review my application again, taking into account the protections afforded to consumers under the law.

Enclosed with this letter are copies of the relevant sections of the U.S. Code for your reference.

Thank you for your prompt attention to this matter. I look forward to your response and the opportunity to discuss this further. 

XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.
Consumer complaint received 2024-01-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card has violated my rights. 

1

5 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has willingly and knowingly giving out my banking information to XXXX XXXX XXXX dating back to XXXX without my consent with no regards to my privacy rights. I have a right to privacy. I was not aware of this until i requested my early warning services report that displayed my banking transactions and I did not give Chase Bank authorization to give out. This directly violates, their own privacy policy that states they only share banking information to Affiliates. XXXX XXXX XXXX is not listed as an affiliate and their list for non-affiliates displays for marketing purposes only. The have also violated as the Privacy Act of 1974 5 USC 552 ( a ) that states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
The 12 Exceptions do not apply for my situation. 
Please remedy this situation or I will have to take further civil action.
Consumer complaint received 2023-08-30
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'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 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 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX   XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 
- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Consumer complaint received 2024-01-19
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (CO)

Past couple months, I have been getting texts regarding a debt I owed XXXX XXXX XXXX. I have not had an AT & T account for over 3 years. I specifically remember when I closed out the account because they attempted to keep me as their user and I mentioned that I was with XXXX. So I specifically remember myself closing out the account and leaving no balance. 
When I began receiving debt collecting texts, I knew it was a scam and would automatically Delete and Report. They would use a different number each time. Just to be sure, I reached out to AT & T and they said my account was closed out and that was the end. I thought that was the end. 
I noticed today XX/XX/year>, in XXXX and XX/XX/year>, they have impacted my XXXX XXXX. XXXX points. I immediately searched their name CREDENCE RESOURCE MANA. They had reviews of horrific experiences with their customers support service. How they were using abusive language and asking for personal information they should not be asking for. I was sure it was a scamming company and did not call them. I did not want them getting any personal information to possibly escalate this to a bigger problem. And with development of AI, I did not want them getting a recording of my voice to use it for even more severe scamming. 
I immediately reported for Identity Theft and XXXX through XXXX. They said a follow up police report or FTC report would be useful. 
I hope we can get to the bottom of this and stop this scamming company. 
I hope I can also save my XXXX XXXX from getting faulty impact.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (CA)

I received an email from XXXX today that a collection company by the name of " Credence '' placed a collection on my credit report with Experian Indicating that I owe {$3500.00} to XXXX XXXX  XXXX. I told them that I never had an account with at & t. I need to file this claim as this is the XXXX time that this is happening and I do not think that it is fair for them to place collections on my credit with out verifying first. They never called me nor they never sent me a letter to inform me. Now this is affecting my credit score and I need it to be removed ASAP.
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SF VAGO, LLC (NY)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX I PREVIOUSLY DISPUTED THIS ACCOUNT NAME : EMVLP II , LLC ACCOUNT # XXXX THE DATE OPEN, DATE CLOSED, LAST PAYMENT DATE, PAYMENT HSITORY BALANCE, MONTHLY BALANCE, ACCOUNT ARE REPORTING INACCURATE AND DIFFERENT AND EVERY CREDIT BUREAU! AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE l. ALSO PROOF OF PROCEDURE OF INVESTIGATION AND MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME. I ask for to remove this fraud account from my credit thank you 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, procedure, and certification for payments 1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


COMPANY INFORMATION : XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE DELETED AND REMOVED FROM MY CREDIT REPORT FAIR CARES ACT LAW 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c Company responded on cfbp STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have already responded to XXXX previous CFPB complaints : XXXX & XXXX and no new relevant information has been provided in this most recent complaint. THIS ACCOUNT HAS BEEN SOLD TO XXXXXXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX PH : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX THIS ACCOUNT MUST BE DELETE ASAP
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

Chase bank illegally closed my account, and also falsely lied about crediting a dispute of {$220.00} to my account when in reality there are NO credits of that amount to my account. Then, after ilegally closing my account they have been charging me fees of over {$60.00} a month for the past year, which wouldn't have taken place either if my account had remained opened like it was supposed to. Lastly, the total amount they want me to pay them now has added up to {$1200.00} which I won't be able to pay because I don't earn enough to pay that and also because they don't deserve any of my money after how they treated me.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX XXXX XXXX XXXX  stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXXXXXX XXXX XXXX XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Consumer complaint received 2024-01-18
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. (NC)

I did not authorize these companies to run my credit, its fraudulent. 

Equifax XXXXXXXX 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Consumer complaint received 2021-05-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (CO)

XXXX called XXXX university  to have XXXX transcripts sent. Was told by the university that my debt has been settled and sold to Halloway Collections. Called Halloway and they changed the fees and impersonated a school official stating I wasn't able to get transcripts.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (TN)

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Experian reporting : Fraudulent inquiry- XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX reporting : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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.