davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COMMERCE BANK (KS)

Once I found out it was a scam, I went to the bank Friday morning on XX/XX/year> at XXXXXXXX XXXX. I talked to a branch manager. She was understanding until she spoke to the person who withdrew my money on XX/XX/year>. She came back very aggressive and stern. Saying that he asked multiple questions and I stood strong to my story that I owed my parents money. The branch manager at this time, told me it was my fault because I am an account owner and I should know better and I can do what I want with it. She did not allow me to speak about on what questions were really asked. The person who provided me cash only asked me 1. Why are you pulling out money? 2. Would you like this in check or cash? 3. Is someone forcing you to do this? 5. Where I will be keeping this money? 4. Would you like this to be in the biggest bills, I am assuming? Never once did he press the issue more or ask me the government questions like he said he would due to policy. I am filing this compliant because I believe the person who withdrew me the money did not follow policy questions and the branch lady was rude when she found out he had asked me questions. I was under a lot of pressure, distressed, and being threatened time and time again. Banks should protect us from scams, alert us, and be patient. I was accused and blamed for not knowing about this scam/fraud. I take fault for not stopping and thinking but in those situations you can not stop and think straight. The bank did not provide grace or understanding. They blamed me for the situation and said there hands are tied.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have had numerous fraud on my debit cards and finally spoke with a manager me and the manager together set up a new checking account personally she sent me the email I press the link and we went through it together then we transferred my funds from my old account that was being fraudulent to my new account all of a sudden Monday morning I wake up in my account is closed from my checkings the new one and my savings account while I have my money in there I call no one knows what's going on then finally I get to somebody and they tell me that my account has been closed I asked them why and they said they do not have to give me a reason it's part of their policy they can close an account at any time then they told me I could pick up any money that was in my account left over as long as I had a debit card or my ID I went to the bank show them ID was getting ready to receive my funds then they told me someone made a note saying can only deposit not receive no one can help me fix this and I've been a customer since XXXX  with Bank of America I have no reason and there is no reason for my accounts to be shut down for I have followed all procedures I just feel that they do not want to pay out what day would owe me when they find out they're investigation that I filed on my claims are to be true so they close my account but that's my assumption but it's not fair to not let me pull my money out I need this money urgent
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. (NM)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
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. (AZ)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-07
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. (IL)

There is information on my credit reports that I did not authorize or open up on Transunion, XXXX and XXXX. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I am writing to express my urgent concern about the lack of updates to my Equifax credit report. For the past several months, I have been consistently charged for the Trio product from MYFICO, which includes reports from XXXX, Equifax, and XXXX. However, my Equifax report has not been updated in months. 

This is a significant issue, especially as a recent data breach victim. Having complete and up-to-date information on my credit report is vital for my peace of mind. The lack of updates from Equifax undermines my trust in their agency. 

Given the missing updates, I would appreciate it if you could investigate this issue and ensure my Equifax report is updated as soon as possible. Additionally, I would like to inquire about a possible refund for the months during which my Equifax report was not updated. I contacted Equifax and I was told it was security issue with my phone number, and once I updated my phone number the block or removal will be removed. Its been over 24 hours and I still have not been able to access my consumer report.
Consumer complaint received 2024-04-27
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. (NJ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX reached out to XXXX, Equifax, XXXX by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
XXXX, XXXX, Equifax : XXXX XXXX XXXX XXXX, XXXX, Equifax : XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I banks with Bank of America and recently my account was frozen due to potential fraud. They have been holding my phones now for over a month and they refused to release the money in my account until XX/XX/XXXX. This is ridiculous. This is the only money that I currently have to pay my bills and its not fair that the bank is holding my money without my consent.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused me.
Consumer complaint received 2024-04-30
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)

This marks my initial attempt to inform you of my status as a victim of identity theft. I am raising concerns regarding particular entries in my document that have arisen as a result of this criminal act. These entries pertain to transactions for which I neither initiated nor authorized any exchanges involving goods, services, or funds. If indifference prevails, kindly expunge any significant information from my credit record that stems from the purported fraud or deceit. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$650.00}
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (CA)

XXXX XXXX XXXX  ; Following a natural disaster I accepted an offer for a forbearance. At that time PNC was processing the hardship assistance over the phone. I was approved for a three month forbearance in order to help cover construction and roof repairs which had doubled post covid. It was confirmed in multiple conversations we were talking about a forbearance and deferral just as in covid. I suspect the PNC business systems and procedures were set for covid applications.

After two months of not making payments I noticed the wording in correspondence was changing. I called to verify were going to tack the 3 missed payments onto the end of the loan term. It was agreed it would be a deferral.

The next letter indicated I had to file a repayment plan. I called and was told that PNC changed their policy and that the forbearance had to be repaid immediately which has caused hardship.

After setting impossible repayment terms PNC destroyed my credit by turning in late payment info to the credit bureaus.

Unfair Business Practices?
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX  {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: OneMain Finance Corporation (FL)

I spoke to a representative from One Main end of XXXX to make a payment. I advised her I would pay the XXXX XX/XX/24 that was due. She asked if I wanted to settle because the amount I was paying would do so. I advised her no I dont want to settle the account because I want it to reflect paid in full on my credit report. I will follow up with you next month to make another payment. I did not advise her I wanted to settle. I received an alert from XXXX XXXX stating an account closed recently and a letter in the mail dated XX/XX/24 stamped stating SETTLED IN FULL XX/XX/24. So I follow up with One Main spoke with a young lady she stated that representative that took my call and payment was gone for the day so I requested to speak with a Supervisor. She stated no one was available she took my information and stated that a Supervisor will listen to my call then follow up. One month goes by I called back and spoke to Supervisor by the name of XXXX XXXX at XXXX. He stated because he wasnt at the location that representative that took my call he cant listen but he can contact someone who can. He stated that he will follow up with me the next day still no follow up til this day. I called him today XX/XX/24 left voicemail because Ive received a statement from One Main stating Im past due with remaining balance if XXXX. No one has called to give me an update on the call and credit reporting. This is bad business practices. There shouldnt been a follow up call explaining to me the resolution but instead they send out a new bill statement stating Im past due and you guys never followed up with any or even to say we will be sending out new statement. Shame on One Main.
Consumer complaint received 2024-07-05
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. (SD)

My identity was stolen on XXXX XXXX XXXX, I filed a dispute and was told that my credit would be Frozen, and that i should contact the FTC and have them help with fixing the problem, but there is still a hard inquiry from this company on my credit report. the company is XXXX XXXX. Someone tried to open an account/Credit card in my name.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.