davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-20
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. (NE)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-04-26
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

I have disputed this with the company before about reporting late payments to my credit profile. In accordance with the consumer law 15 USC 1666b ( Timing of Payments ). XXXX did not send me notice no later than 21 days before the date specified in the statement by which payment must be made. I have not received the notice and therefore this has been a billing dispute. I have made XXXX  XXXX aware about reporting late payments. Please correct this derogatory mark to a positive status.
Consumer complaint received 2024-04-26
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
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)

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiry immediately. 
XXXX XX/XX/2023
Consumer complaint received 2023-09-21
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. (CA)

My credit report is showing late payments to XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023 I received and email that a checking account was opened in my name with Bank of America. I have already had a checking and savings account with them for over a decade, and had no knowledge of this account. I contact bank of america and at first they advised there was no such account, after further investigation, they agreed their was an account opened in my name. They shut it down and advised me my identity was compromised. I am concerned that they did not do their due diligence when allowing someone to open an additional account in my name, they did not notify of me of the application, they did not require a copy of my DL and or any other due diligence. I only found out because I received an email with an account approval
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

This is now my second time contacting CFPB due to this issue. I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up. 


I contacted my bank about this issue I previously reported, and have been told twice now that they would get back to me about this and never have. My grandfather who the check was from, contacted my bank and was told theyd get back to him today, and they never did. Not only is trying to contact someone and have them get back to you not working, I am still unable to access the funds I ALREADY HAD IN MY SAVINGS. They said this was due to the check being marked as Fraudulent even though it was not and can be confirmed as a valid check. The funds said they were taken out of my grandfathers account, yet my entire savings is still locked up. I have the majority of my money in my savings account and Im unable to use any of it. Its absolutely unacceptable that this is happening. I have things I need to do that require funds like the average person, and when nobody can get back to me its absolutely ridiculous.
Consumer complaint received 2024-04-25
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. (CA)

pulled my credit reports and noticed a mysterious collection account from Consumer Adjusters that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. XXXX and Equifax claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (NY)

I have opened this account specifically for XXXX shopping, my mistake was thinking the money was in the account and there was XXXX so I went shopping on XXXX then the bank did not send payments for product that cash app says I paid for. Those transactions fell off and were never paid to XXXX and I have spoken to XXXX about this situation and they said your bank did not send payment so no product. Now as I have said I have made XXXX in deposits and I spent XXXX this is what everything adds up to now. On the feed I went by each transaction added then went by each transaction and subtracted what was spent and the numbers above are what I came up with. this is not rocket science but they have clearly stolen money and you have clearly done nothing either I am sending new updated feed could you please add and subtract as I did. All the plus signs are deposits round ups and what was spent you can clearly see.
Consumer complaint received 2024-07-05
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've found the following violations on my consumer report U S C 6801 reporting of non public information XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and U S C 1666b reporting of illegal lates XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I did not give anyone written consent to share these accounts on my consumer report
Consumer complaint received 2023-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

my credit score has dropped over 100 points in the last 2 months. I couldn't find any missed payments on my credit reports so I looked into the experian account that was showing the worst drop. 

I found that I was showing balances on my experian boost accounts. 

I called to report that I had balances showing on my experian boost accounts. I told them that all of the accounts showed as paid never late but they were still counting against me. When I asked how to fix it they said the only way was to contact my bank. 

If your system says I am paid/never late why do I need to contact anyone? How can you show a balance from 6 months ago and at the same time say haven't missed a payment? 
No one could explain this to me so I asked what to do to fix it and was told to remove the accounts. 

So, following the advice from the representative I removed the accounts and my score DROPPED EVEN MORE!! I have been hung up on and been put on eternal hold throughout this process. The is no way to make a complaint to experian so I came here. 

My credit has been ruined because of experian boost,
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!
Consumer complaint received 2024-05-04
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. (NJ)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.
Consumer complaint received 2023-04-20
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. (TX)

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
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 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
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and XXXX XXXX XXXX, in concert with XXXX XXXX XXXX, are violating the FCRA.
Consumer complaint received 2023-12-07
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. (AL)

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines XXXX is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX MI XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance XXXX : {$520.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX-***** Balance Owed : {$630.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed XXXX {$330.00} XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2022-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

( Cashapp ) I by mistake sent a {$1000.00} to XXXX XXXX the Wrong person who has the same name as who I would have sent money to. I tried to request money back from this person they said no. I then requested that cashapp cancel the payment I was told they can not do so. I need my money can someone help me my number id XXXX