davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b (
f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX 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 : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sensible Auto Lending, LLC (TX)

I inquired about a vehicle at a dealership XXXX auto they asked I fill out a credit application of which I did. 
I never received a vehicle from them and they used my information which is currently appearing on my credit report. I have tried contacting the dealer and they are closed and out of business and Sensible auto also has numerous complaints regarding the dealership criminal and deceptive practices on record from numerous people.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted request to have my information updated on several occasions but my information has not been properly updated, when i check my credit report my name isn't updated, previous employer i no longer work for is still being reported, my date of Birth is not accurate. General report from this Bureau has not been updated in a long time as done by other Bureaus on a monthly basis. Below is the full request i submitted and an uploaded document of how my personal information looks when i check my report. Lastly i submitted all requested documentation to prove that my request was valid but yet no satisfactory change were made. 


Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  PA-XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2023-11-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7800.00}XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}
Consumer complaint received 2024-04-12
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CO)

In XX/XX/XXXX XXXX XXXX/Best Buy processed a charge on my Best Buy Credit Card that should not have been processed - illegally processed a renewal in my daughter 's name on my account after product was cancelled in XX/XX/XXXX. Due to XXXX XXXX 's negligence in not only charging this on my card but also in efficiently processing the credit for the charge ; I was charged late fees and interest. It took XXXX XXXX 4 weeks to properly process the credit for the charge as they confirmed it erroneous. Best Buy upon receiving the credit ; refunded all late fees and interest as charge WAS NOT MINE or AUTHORIZED. In the time it took to refund not only the charge but also late fees and interest ; Best Buy reported me to the credit bureaus with a 30 day late status. Note - there was a XXXX balance prior to erroneous charge, late fees & interest. Therefore Best Buy reported me with a late pay for charges that weren't authorized and all refunded. How can I be late when the charges were refunded at their discretion and I owed nothing? I have documents and a log of who I spoke to on what date and lots of supporting documents. I contacted Best Buy in XX/XX/XXXX with all supporting documents and they won't remove late pay status even with documentation.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (UT)

DEPT OF ED/AIDVANTAGE Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, once through Aidvantage & twice through XXXX disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (PA)

Hi, I get a messege in my cell phone saying that I had a court summons for XXXX XXXX XXXX XXXX for a Chase Credit card anmd that the amount I own is {$15000.00} dollars and they said that sent a offer in XX/XX/2023 for {$5900.00} dollars but I told her never received that information. 
she speaking fast and she offer 125 payments for {$100.00} but if I want to pay now with a credit card I just pay {$3600.00} is the 30 %. 
But I told her accepted {$2800.00} and said wait a moment and come back soon and said I offer {$2000.00} dollars but with the fee is {$2400.00} dollars. 
she knew my Social Security number and my Personal Information.

And for the payment she asked for a credit card to pay.

And was a Unknom Messege.

Thanks
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-10
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: AFNI INC. (FL)

Collection in the amount of {$1300.00} for an unauthorized/unknown 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

My information with Equifax has been breached in my downloaded document is the proof. They have refused to delete the Following : Under Personal Info : Also known as : XXXX XXXX XXXX ( Please remove ) Under Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( Please remove ) Under Accounts Ever Late 1 ( Please remove ) XXXX XXXX Account number : XXXX Please remove these immediately as I was a victim a data breach.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I reported over {$11000.00} fraud to Bank of America FRAUD DEPARTMENT in XX/XX/2023. My money has still not been replaced, and they tried to deny my claim based on factors irrelevant to consumer protection law. None of the consumer protection and FDIC requirements can be met by the merchants, as they have fictitious websites and do not exist.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OK)

In early XX/XX/2018, PayPal asked me to update my outside credit card information and upload a scan of my driver license. I complied. 

On XX/XX/2018, PayPal restricted me from making transfers to and from my account on the grounds that my account is controlled by a foreigner. 

I opened my account from the USA at least 17 years ago. I have only and always been a USA citizen from birth and have always maintained a residence in the USA and have been physically in the USA for at least seven months of every calendar year. My account has been controlled only by myself and PayPal. I have never given access to anyone else. 

On XX/XX/2018, I discussed the matter with PayPal agent XXXX by telephone. She said that they needed a proof of address other than my driver license. She sent me a link to upload a document. But the upload function is disallowed because of the restriction PayPal placed on my account. And XXXX wont remove the restriction until I upload the document. My current address is a home which I own in my own name which is a matter of public record. 

I called PayPal again. But reaching XXXX was not possible because PayPal doesnt transfer calls to specific agents or have any way to identify XXXX. They can not even read the message that she sent to me in the PayPal Message Center. 

PayPal closed my account based on a hasty and incorrect conclusion that I was a foreign agent and said that they will keep my money for 180 days, then mail a check to me.
Consumer complaint received 2023-09-18
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I filed a complaint and dispute with Synchrony bank at the time of the fraud it was GE capital. I have won the dispute and i can not get the refund. I was told that everything charges and fees have been credited to my account back in XX/XX/XXXX. It is now XX/XX/XXXX and when i ask as to where my refund is I am now being told that they need copies of all the checks proving that i made the payments. This goes back to XX/XX/XXXX and i have been fighting this dispute for 6 years. The amount owed is close to {$2000.00} and i want it now. 
I have XXXX XXXX XXXX and XXXX XXXX. I can not chase around to find all of this. they also stated it would take 6 to 8 weeks to get a refund that was approved back in XXXX. 
Every time I call for the status i get transferred at least 5 ( FIVE ) times  and no one can see that i have a credit they just see that my dispute was accepted and i have won my claim.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been unable to use my TRUIST debit card and checking account due to it being in the negative because I was charged 21+ {$36.00} fees. I opened this account for family, personal and household use. This policy is causing my family and I great harm, risk, unnecessary expense, stress and lost of income. I spoke to a customer care representative, which transferred me to her manager who told me they were only able to refund me {$75.00}.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records LISTED BELOW. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (OH)

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX for the months of XX/XX/2024 and XX/XX/2024. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX