davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 2024-01-17
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: CITIBANK, N.A. (TX)

On XX/XX/scrub>XXXX there was a charge to my Citi card for {$74.00} and I immediately notified Citi of the charge. I was told to not worry, and that they ( Citi ) will take it off my account. Two days later, XX/XX/scrub>XXXX  another charge for {$59.00} was charged to my account. And again I called Citi and notified them, and again I was told to not worry, they will take it off my account. One month later, I was billed for the charges I had called them ( Citi ) about. And I was told I am responsible for those charges. Citi gave me the name of the company making the charges to my account ; XXXX XXXXXXXX XXXX. I explained to Citi that I do not know the company and I don't know how they got my card information, and I did not receive any package from XXXXXXXX XXXX XXXX. 

I ordered a XXXX XXXX from XXXX XXXX XXXX and it is suppose to a free gift from XXXX. When I was billed {$74.00}, I contacted XXXX, and they ( XXXX  ) said the email was not from them. I did receive the XXXX XXXX which I immediately return to sender without even opening to know the content. 

I have explained all these to Citi, I even wrote letters to Citi. They simply ignored all my letters and insist I pay for the fraudulent charges on my account. 

Please I need your help.
Consumer complaint received 2024-01-17
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. (FL)

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone took out a XXXX  loan using my old married name from 10 years and my social security number. I did not take out a XXXX  loan. I am the victim of identity theft and nobody will help me. I don't even know how this loan was approved since I changed my name 10 years ago. This is not my loan and it is going to ruin my credit. XXXX will not do anything to help and will not provide any documentation. I have also contacted the XXXX XXXX XXXX XXXX who also has not done anything to help. I have attached a photo of my driver 's license showing that my last name is XXXX and not XXXX.
Consumer complaint received 2024-04-30
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 XXXX 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 2024-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Requested a wire transfer and completed the " online verification '' multiple times, XXXX has outsourced their " customer service '' to XXXX and the XXXX, even the branch is unable to assist without dealing with this inept department. 

The wire transfer werification process was completed several times and with the same results, answers as to why the wire transfer process was not completed were deflected with no real answers given.
Consumer complaint received 2023-04-07
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-03
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: MoneyLion Inc. (FL)

I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from MoneyLion that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left MoneyLion with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that MoneyLion had reported my account as a " charge-off '' status, this was not the case as the letter I received from MoneyLion ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this MoneyLion account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.
Consumer complaint received 2018-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that " if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). 
Because Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. 
As the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit report.
Consumer complaint received 2024-01-17
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. (PA)

Collection Agency Name : XXXX XXXX Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. 

the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. 
XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX delete them from my report immediately
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year> I went to the Navy Federal Credit Union. My dad is a XXXX XXXX XXXX  veteran ( XXXX XXXX XXXX ) and Daughter ( XXXX XXXX ) opened up XXXX accounts, XXXX primary owners and a joint account with XXXX XXXX XXXX, she only opened up XXXX primary owner accounts and completed only XXXX enrollment processes and It should have been XXXX enrollment for each account. 
I returned back to the Navy Federal Credit Union and I spoke with XXXX XXXX XXXX a second time so she can fix her mistake. I explained to her that the veteran will be having his Social Security and VA benefits deposit to our joint account with his daughter ( XXXX XXXX ) and we will need a joint direct deposit slip form. Document Tampering see direct deposit sign-up form No POD Also I need the veteran POD form, because XXXX only XXXX me XXXX POD forms for the joint account, and my primary account, but not for the veteran. The third visit I came in contact with the XXXX XXXX XXXX XXXX XXXX XXXX I was explaining to her what my problem was. She needed to work on her soft skills. I requested her business. I talked with XXXX representatives and my problem is still not solved. The XXXX was away in the morning meeting. I requested an appointment with the XXXX still to business, so the supervisor XXXX XXXX set up a appointment at XXXX pm the next day at the end of the meeting XXXX XXXX XXXX wanted me to fill out a Navy Federal Change of information/ add Joint Owner form that didnt make sense to me. We already did that with XXXX XXXX XXXX. 
My complaint is tampering with federal documents. See Direct deposit sign-up form and non-negotiable direct deposit both have the same checking account number. NO ( POD ) form for my dad.
Consumer complaint received 2024-04-30
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. (IN)

Currently, on phone w Equifax as I file dispute.. name XXXX .. requesting on XX/XX/2024 at XXXX requesting to remove XXXX account as it was paid off in Car auctions and remove all hard and soft inquiries... .electronally remove due fraud unauthorized consent and inappropriate inaccuracy credit reporting over the last XXXX! ( SHE STATES THEIR ARE ONLY PROMOTIONAL PURPOSE ) HER SOLUTION WAS TO PLACE A PROMOTIONAL BLOCK ON MY CREDIT ACCOUNT.. THAT NONE OF THE INQUIRIES ARE AFFECTING MY ACCOINT.. 

( SHE WILL REFER TO IT Dept. ) Debt shows {$52000.00} False {$20000.00} XXXX ( only ) Remove address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, not mine address ( she will refer to IT dept ). 

She is sending me a credit report and credit score within XXXX my confirmation # XXXX
Consumer complaint received 2024-04-30
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. (IL)

In accordance with the fair credit reporting act, these accounts has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602-A states i have a RIGHT to PRIVACY.

15 usc 1681 section 604-A section 2 states a consumer reporting agency can not furnish an account without my written instructions furthermore 15 usc 6802 expresses my RIGHT to Opt out of reporting.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with TransUnion and requesting a reinvestigation, the problem remains unresolved to this day. 

XXXX ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized XXXX XXXX : XXXX Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-30
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. (MD)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is in response to previously filed CFPB complaints ID # XXXX ID # XXXX ID # XXXX The response your Agency provided stated that " XXXX XXXXTransunion has completed its investigation including contacting the Furnisher ... and that XXXX XXXXTransunion verified that the public information is reporting correctly '' consequently , I'd like to state that I contacted the XXXX XXXX XXXX XXXX in FL, where this bankrupcy XXXX  XXXX was filed and the court , the only reliable Furnisher in this instance, confirms that they DO NOT report to XXXX or any other Bureau for that matter. Therefore, your initial response verifying the item is either in error or a lie. 
Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 16811 ) and the infomation must be deleted immediately.
Consumer complaint received 2024-04-30
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. (NY)

Hello on XX/XX/ I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Equifax is the issue Ive been reaching out to them since XX/XX/XXXX concerning inquiries on my credit report Ive sent documents proving my identity and a statement on the inquiries thats on my report they said to reach out to those companies I have no knowledge of also stated to them Im going through identity theft my information was exposed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nothing has been resolved
Consumer complaint received 2024-04-08
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. (FL)

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. 
XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Amount : {$780.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Amount : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$910.00} 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.