davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This week I received a letter from Bank of America dated XX/XX/XXXX. It said my account was closed because it was inactive. However in the past it has been inactive for a year or maybe longer and stayed open. It mentioned something about my student loans which were paid in full last summer. Since then I owe nothing. After my student loans were paid off I called back a month later to verify the XXXX balance with the Dept. of Education and they said yes they're officially paid off and I also received a letter in the mail verifying paid in full which I can bring into a BOA branch if needed. The week of XX/XX/XXXX I spoke with a gentleman from Bank of America to update my contact information and he mentioned nothing negative about my account nor that it was about to be closed ( the letter from Bank of America was dated XX/XX/XXXX ). I always paid my BOA on time when I was using it. A long time ago it was reported as lost for months and BOA still didn't close it. That's why something's not right. 

Before I was terminated back in XX/XX/XXXX an employee told me that if they really hated someone, they would XXXX up their credit. If prior to having lived in XXXX I had gone long periods of time without using my Bank of America card without them closing it and just this week I received a letter saying it was closed, it doesn't make sense. I need someone, to help me reverse BOA closing my oldest line of credit which was helping my credit. The letter from BOA makes no sense because even after my student loans had issues, BOA still didn't close my account. Those student loans were paid in full last summer which the US Dept of Ed reported to each Bureau. An employee whom I worked with at XXXX XXXX in XXXX back in XXXX said that if they really hated someone, they would XXXX up their credit. Is it normal or ok for an employee to tell me this? Closing my oldest line of credit that had a XXXX balance was the last thing I needed to happen right now. This is ruining my chances of getting hired. I wouldn't be this worried if that employee hadn't told me that. Then have stuff like this happen and other things that happened when I worked in XXXX. If someone can help me, I'd appreciate it so much.
Consumer complaint received 2019-04-29
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. (IN)

My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
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. (NY)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2023-09-13
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. (NY)

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 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 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESURGENT, LVNV FUNDING, XXXX XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX breach and also the Xfinity data breach. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-29
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. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Dear Equifax, I am writing to formally demand the immediate removal of incorrect items from my credit report and to seek compensation for the emotional distress caused by your failure to uphold your promises and the subsequent negative impact on my life. 

As per our previous communications, you agreed to delete certain items from my credit report. Specifically, the items related to " XXXX XXXX XXXX '' and both " XXXX XXXX XXXX '' were to be removed. However, upon reviewing my updated credit report, I have found that these items have not been deleted. 

This oversight on your part has had significant repercussions for me. Due to the presence of these items on my credit report, I was unjustly denied an apartment, which has caused me considerable emotional distress. The stress and XXXX  resulting from this denial have been overwhelming, and it has affected my daily life and well-being. 

Therefore, I am requesting a monetary compensation of {$600.00} for each item that was not deleted as promised, totaling {$1800.00}. This amount represents the emotional and financial damages I have suffered due to your negligence. 

Please find attached all relevant documentation, including proof of your agreement to delete the aforementioned items and evidence of the denial for the apartment based on the credit report you provided. 

I expect a prompt response to this letter, and I hope to resolve this matter amicably. However, if I do not receive a satisfactory response within 30 days, I am prepared to take further legal action. 

Thank you for your immediate attention to this serious matter.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-04
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. (PA)

I received a copy of my credit report. To my surprise, my account is being reported incorrectly. There are open and closed accounts thats showing a balance According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting the updates, below will be the list of accounts thats needs to be removed, XXXX XXXXXXXX XXXX/Equifax/TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to vehemently dispute the egregious misuse of my credit by both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These companies have blatantly violated the Fair Credit Reporting Act ( FCRA ) by accessing my credit report without my express consent or a legally permissible purpose. 
I demand that you investigate this matter immediately and take swift, decisive action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for their reprehensible conduct. Their flagrant disregard for the FCRA is unacceptable, and I expect you to hold them fully accountable for their actions.
Consumer complaint received 2024-06-04
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.

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 XXXX5 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 2023-12-10
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. (AZ)

From XXXX XXXX XXXX Dear XXXX XXXX XXXX, TransUnion Consumer Solutions XXXX XXXX I am writing to request the removal of several hard inquiries from my credit report. I recently reviewed my credit report and noticed that there are multiple hard inquiries listed, which I believe are negatively impacting my credit score. I believe they are as a result of a data breach at XXXX. 
I understand that hard inquiries occur when a potential creditor or lender checks my credit report as part of their decision-making process for granting credit or loans. However, I have reason to believe that some of these inquiries may have been made without my consent or knowledge, and this fraudulent in my account XXXX Inquiry date XX/XX/202XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 I request that the following hard inquiries be removed from my credit report Please note that I have also disputed these inquiries with the respective creditors or lenders and have not received any satisfactory response. 
I understand that the removal of hard inquiries is not always possible, but I hope that you can help me resolve this matter. 
I would like to request that you respond to my request within the next 30 days, as per the XXXX 
Please remove these inquiries as soon as possible so that I can maintain a good credit history. 
Thank you for your prompt attention to this matter. 
I appreciate your cooperation in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (MA)

The company ran my credit without my permission and XXXX XXXX na do nothing about it and other billing disputes during the buying process occurred. on XXXX, XXXX 2023 thet ran my credit without me being at the dealership or any without my authorization
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXXXXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by XXXX XXXX XXXX I have repeatedly been filing disputes with the credit bureaus and filed proof. Equifax is reporting they are unable to use my documentation, even though it is from US Bankruptcy Court, and lists the scheduled Creditors - proof XXXX was not involved. Equifax is requesting I pay out legal fees to get the US bankruptcy court to provide me with documentation XXXX was not included. XXXX, also is continuing to go round and round, stating " XXXX is accurate '' based on the information they are providing. However, neither company is able to provide proof of XXXXXXXX XXXX accuracy. XXXX, won't do anything and tells me to file with the credit bureau. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXX  payments come from the Trustee not consumer. The Bankruptcy was completed XX/XX/XXXX.
Consumer complaint received 2023-12-10
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. (NY)

It is illegal for XXXX XXXX XXXX XXXX to report income on a credit file. Per IRS Publication 4681. 

XXXX XXXX XXXX XXXX Is reporting illegal transaction and experiences between the consumer and person making the report Per 15 U.S.C 1681a ( 2 ) ( A ) ( i ) transactions and experiences should be excluded. 

XXXX XXXX XXXX XXXX Is in violation of the Privacy Act Of 1974 5 U.S.C 522a
Consumer complaint received 2024-06-04
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. (FL)

Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello! 

3 days ago I realized my Equifax score dropped over XXXX points which was crazy to me in a matter of a day, there were remarks added and now I notice on XXXX XXXX ( XXXX ) collections on Equifax but when logging onto Equifax there have not been any collections reported. Please delete or update as it was prior to this data error. 

I have attached a file of credit karma as well as a report from Equifax on XXXX and XXXX where there are no collections reported. 

I am not sure whats going on but it looks like my data is getting mixed with someone else. 

Thank you,
Consumer complaint received 2024-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

at citi i can open an account but the next day they will vlose or i dont know at the other bank they cant day anythingXXXX XXXX XXXX  confuse because some ofher people they owe XXXX  and they dont pay. and still they still have a checking acvount and me i dont owe them i just want to have a normal life and yes i overdraft but i pay them and its not that big amount and i pay it
Consumer complaint received 2024-06-04
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> on the phone and the membership dept of Experian and they are giving false info to their insurance company they use for identity theft, which is XXXX. Saying I only had ID theft protection since XXXX of 2024 which is false. Ive been paying for nearly 2 years XXXX for identity theft protection and so when I went to make a claim to XXXX about identi is denying my identity theft claim. They are committing insurance fraud too, becus i didnt get notice of coverage from XXXX XXXX which Experian was supposed to provide.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.