davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-03
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Date Opened : XXXX/XXXX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 :
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I already disputed this items multiple times but it still shows negative on my report. Below are the items with discrepancies. I was never late to any of these accounts they paid always on time. I also attached the letters I sent to each of the bureaus. I never received a response or resolutions to any of my disputes. 

Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

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 : DEPTEDXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding a critical issue that demands immediate attention. Equifax is refusing lenders access to my credit report, causing significant distress and impeding urgent medical matters. 

On XX/XX/2024, I removed my security freeze to enable a lender to access my Equifax credit report in connection with a medical emergency XXXX. Despite numerous attempts, the lender has consistently faced obstacles in retrieving the necessary information, thereby hindering essential medical procedures. 

On Wednesday, XX/XX/2024, I escalated this matter by speaking with a supervisor at Equifax. The supervisor confirmed that there were no fraud alerts, blocks, or security freezes on my account. However, they suggested verifying the correct spelling of my last name with the lender, implying that this was the sole barrier preventing access to my credit report. 

Following confirmation of the accurate spelling with the lender, the issue persisted. Yesterday, Thursday, XX/XX/2024, I made further efforts to resolve this matter by contacting Equifax 's office of consumer affairs and speaking with a supervisor. Unfortunately, I was informed of a glitch within Equifax 's system causing the obstruction. Despite assurances that this glitch would be rectified within a two-hour timeframe, the lender remains unable to access my credit report as of this morning. 

I can not stress enough the urgency of this situation. The delay in accessing my credit report directly impacts critical decisions regarding medical care and financial arrangements, leaving no room for further postponement. 

Such service deficiencies and prolonged delays are utterly unacceptable, particularly given the seriousness of the circumstances. I implore Equifax to address this matter with the utmost urgency and to take immediate steps to rectify the situation. 

I request prompt communication regarding the actions being taken to resolve this issue and ensure that such impediments do not recur in the future. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-05-03
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. (PA)

Despite my repeated attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (OH)

My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open XXXX from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2023-11-09
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. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-03
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. (TX)

I am writing to file a formal complaint against Equifax for incorrect information recorded on my credit report, specifically concerning unauthorized hard inquiries that have potentially damaged my credit score. These inquiries are as follows : XXXX inquiries from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, dated XX/XX/XXXX, and XX/XX/XXXX ; and XXXX inquiries from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, RI XXXX, dated XX/XX/XXXX, and another at XXXX XXXX XXXX XXXX XXXX, CT XXXX, dated XX/XX/XXXX. I have not authorized these inquiries, nor have I engaged in any financial transactions with XXXX XXXX XXXX or XXXX XXXX  that would justify these hard pulls on my credit report. These erroneous entries have not only lowered my credit score but also may affect my financial opportunities. I request that Equifax investigate these entries immediately, correct the inaccuracies by removing these unauthorized inquiries from my report, and provide me with a revised credit report post-correction. I trust that the Consumer Financial Protection Bureau will assist in ensuring that my credit report is accurate and reflects only legitimate inquiries.
Consumer complaint received 2024-05-03
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)

The following accounts should not be reporting on my credit, they are the product of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-05-03
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 was a victim of XXXX XXXX and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX  took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-03
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report today. XXXX XXXX XXXX, I noticed the information given is incorrect and is affecting my credit score. According to the fair credit reporting act, whenever a credit reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy. The accounts displaying inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable belief the information is inaccurate.
Consumer complaint received 2023-11-09
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. (LA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 2023-07-31
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: EQUIFAX, INC. (FL)

I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021 Bank of America froze my account because I received a check from FEMA. The amount was XXXX. They froze my account because it came under my daughters name. I have tried to complain about my money to Bank Of American. I went in person and I called. But its always the same response we cant do anything it the banks rules. It has been 2 years but Im still going to keep fighting for my mom because it is money from the state. I suffered from the hurricane IDA and its not fair because they have the money and they dont want to give it back. I lost everything in my house.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX is being sued by TD Bank USA over disputed, unpaid credit card charges to Target XXXX XXXX. TD Bank closed the account and is seeking summary judgment. While the retailer sees the charges as incurred, the fraud is in the processing of payments by Target XXXX XXXX online processing and possibly a software oversight. Target 's fraud unit believes the case closed yet she maintains the position by evidence of Target 's own reporting that online payments using the 3rd party one-time payment function will show as posted by Target but reversed thereafter, in this case up to 7 days. This lag time was exploited and XXXX had purchased and shipped 4 computers to Texas prior to uncovering the scam with the help of the XXXX XXXX TX police. They also discovered a totally separate almost exact incident involving others. The payment accounts ( 2 total ) were tied to XXXX  citizens in California and Florida whose accounts were initially compromised as well. The entire operation folded up completely, all traces of phones and internet presence irretrievable without a XXXX XXXX XXXX or similar. 

This was an elaborate online scheme where XXXX was offered a potential position/job description via email in logistics management of export/import accounts for offshore drilling concerns at XXXXXXXX XXXX XXXX in New Jersey. An entire training and certification regimen of study materials and tests was involved. She was then to be involved in expanding NY operations and asked to make computer purchases on her account to avoid IT tariffs for the XXXX  company whose address was validly theirs in XXXX. 
To prove they were legitimate, the company provided an account number to pay off her existing Target XXXX balance which worked flawlessly on XX/XX/29 but their payment was then reversed some 7 days later on XXXX by Target citing insufficient funds. That lag proved critical and XXXX shows in attachments how even Target 's own reporting shows different payment posting dates. But by that time XXXX had purchased and shipped 4 computers, thought to be intercepted by " porch pirates '' using TX delivery addresses as points to intercept the shipments. 
She tried to reason with Target but they summarily closed the case fast in their Fraud department, taking the position charges made/charges due without much of any reply. Further their representatives were particularly rude to an XXXX XXXX XXXX grandmother. She could not gain the actual signatures for receipt from XXXX. XXXX XXXX refused to locate or lock the systems despite providing serial numbers and was uncooperative. Only XXXX XXXX, TX provided help with some assistance from her hometown police. 
An entire timeline is attached along with supporting documents showing these discrepancies and a trove of additional documentation is available.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

I never agreed to information sharing with a company I never agreed or signed a legal binding contract with XXXXXXXX XXXX I never signed a contract with this company My information was shared by Navy federal without my permission XXXX stole my information They do not have my permission to report inaccurate accounts with balances Thats a charge off And late payments is violated my consumer rights