davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (FL)

Im victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses 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 Balance : {$530.00} XXXX  XXXX balance {$130.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX balance {$0.00} XXXX  XXXX balance {$130.00}
Consumer complaint received 2023-12-12
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 submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.
Consumer complaint received 2023-03-13
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. (MO)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer report agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AL)

XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX  for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX  XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX  that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (NY)

I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of Sue dealership by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

My name is XXXX XXXX, I am a XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Our company 's business checking account was transferred by hackers in the amount of {$120000.00} between XX/XX/XXXX and XXXX XXXX. 
The first thing happened was my debit card was declined for online payment In XXXX, I called KeyBank customer service XXXX they said there was something wrong with my debit card and told me my debit card was blocked and they will send me a new debit card. 
On XXXX XXXX, we log-in our online bank of Key bank account, someone transfered out our money from our account. 
The amount are : {$94000.00} on XXXX XXXX {$6000.00} on XXXX XXXX {$29000.00} on XXXX XXXX {$200.00} on XXXX XXXX Total amount is {$120000.00} We called costumer service to report these fraud things happened on XX/XX/XXXX, but the costumer service asked us to our branch to see our banker. So we went to our branch, Our KeyBank branch address is XXXX XXXX XXXX, XXXX, OH XXXX. The phone number of branch is XXXX, Our banker 's name is XXXX XXXX. 
Our banker report to fraud department and frozen our account., the Fraud number is XXXX, And then he opened a new account for us, transfered {$100000.00} from the frozen account to new account. All of the money were refund to our frozened account on XXXX XXXX. 
But after few days, Key banks took back {$120000.00} from the frozen account, so the balance amount of frozen account were XXXX XXXX, the reason is the fraud department still working on this case, our banker told us : [ Don't worry, Keybank will take care this. ] We always following up of our case and waiting for keybank to fix this case. About two month later, keybank closed our frozen account, the balance is showing {$0.00}. And we received a letter from a debt collection agency. The letter showing we owe {$83000.00} from keybank. We asked our banker what happened, our bank answered the fraud department find out the stolen money was transfered to XXXXXXXX XXXX, but the XXXX won't refund the money. The banker told us that he can't do anything at that timing, he asked us make report on Police department. So we completed the police report at police department at XXXX on XXXX XXXX. The report number is XXXX. 
After XXXX months long wait, we still can not get any help from Keybank or Police department, so we are asking CFPB help us. 
If you have any question, please contact me, my cell phone number is XXXX work number is XXXX. 
XXXX XXXX name is XXXXXXXX XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
email is -- -- XXXX Thank you.
Consumer complaint received 2024-04-15
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. (FL)

I am writing to file a formal complaint against Equifax regarding their failure to address multiple disputes I have submitted and their lack of response regarding inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to Equifax, requesting investigations into various inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. However, despite submitting these disputes on multiple occasions, I have yet to receive a response from Equifax regarding the investigation results. This ongoing lack of response has left me in a state of uncertainty and has significantly impacted my financial well-being. As a consumer, I have the right to ensure the accuracy of the information contained in my credit report, and Equifax 's failure to address these disputes directly violates my rights under the Fair Credit Reporting Act ( FCRA ). I demand that Equifax promptly conduct a thorough investigation into the inaccuracies on my credit report and provide me with the results of their investigations. Furthermore, I expect Equifax to uphold their obligation to verify my personal information accurately and update it accordingly.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2024-04-15
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 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
Consumer complaint received 2024-04-15
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. (TX)

XXXX hard inquiries appeared on my XXXX credit report that I have no knowledge of. One from XXXX XXXX on XX/XX/year> and the other from XXXX on XX/XX/year>.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Elevate Recoveries, LLC (TX)

The debt was sold. I had the same debt with another debt collector, and it was deleted and was sold to this collector. This is also against HIPAA violation of confidentiality by this being a medical debt collection.
Consumer complaint received 2023-12-13
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-15
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)

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these ITEMS. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following 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 XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-05
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. (VA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The account for XXXX/XXXX-XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-12-11
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 received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.SC. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-10-25
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. (WI)

In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!
Consumer complaint received 2024-04-11
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 sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.
Consumer complaint received 2023-12-09
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-09
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/XXXX, Venmo suspended my account with false accusations. I provided the proof of identity as requested and after multiple contacts and complaints, Venmo removed the suspension over a {$30.00} payment! Reference CFPB complaint number XXXX. On XX/XX/XXXX, I received {$25.00} and Venmo has suspended my account again for no reason, again demanding proof of identity which was provided AGAIN.