davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I did not authorize this XXXX that was charged. By XXXXXXXX XXXX for Bank Of America to charge this XXXX I notified them n was wrongfully reversed plus they have for months been charging me this illegally XXXX month fee witch I have not been using any of this bank services
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding what I believe to be an unjust late payment fee and the inadequate customer service I experienced. The details of my complaint are outlined below : 1. Statement Balance and Refund : The statement balance of my Bank of America credit card for XXXX was {$390.00}. Subsequently, I returned products purchased during the month of XXXX, resulting in a total refund of {$510.00}. As the total refund exceeded the statement balance, I did not make any additional payment to the credit card for that month.

2. Bank of America 's Awareness of Refund : Despite being aware of the substantial refund posted to my account, Bank of America continued to allow me to use the credit card for future purchases. Typically, credit card companies decline further charges if the minimum payment is not made on time. 
3. Unjust Late Payment Fee : Bank of America charged a {$25.00} late payment fee on my credit card, even though the total refund exceeded the previous month 's statement balance. This fee is unjust and inconsistent with the industry 's standard practice. 
4. Inadequate Customer Service : When I attempted to address the late payment fee by calling Bank of America, the automatic phone system did not provide an option to discuss late fees and would not connect me to a representative. Instead, the system abruptly hung up on me, leaving me frustrated and without resolution. 
5. Resolution Attempt through Online Chat : I had to resort to using the online Chat function to contact a Bank of America customer representative named XXXX. While XXXX promptly refunded the late payment fee, Bank of America continues to display a " past due status '' on my account, despite the statement clearly indicating that " payment and other credit '' exceeded the total balance of the previous statement.

6. Payment Not Posted Despite Deduction : Following the " past due status '' on my account, I made a {$50.00} payment as requested. However, despite the deduction of {$50.00} from my bank account, Bank of America has not posted the payment on my credit card account.
Consumer complaint received 2023-11-24
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. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (PA)

Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( b ) ( 2 ) ( C ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft
Consumer complaint received 2023-07-10
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. (DC)

I opened a secured card with XXXX. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, XXXX conducted XXXX investigation. XXXX decided to close the secured credit card account. XXXX never returned the {$800.00} deposit. XXXX reported XXXX late payments to Experian credit report however, payments were never late. The late payments XXXX is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, XXXX claims resulted in late payments. Further, XXXX still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.
Consumer complaint received 2023-11-24
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. (NC)

NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXX XXXX XXXX  {$96.00}, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX- {$96.00}, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!
Consumer complaint received 2018-05-23
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. (AL)

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Consumer complaint received 2023-07-10
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. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C. (MO)

Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NC)

Without any notice I got a credit alert stating a major derogatory mark was added to my credit report. It was from a collection company based in Illinois AFNI, I contacted the company and they stated I was contacted by them via email. I quickly searched my email there was nothing from this company. I requested they forward the original email which they refused. The collection was a fraudulent debt from XXXX XXXX, I disputed the debt during the call and they refused to remove it from my report.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX, and Account number : XXXX {$6500.00}, {$4700.00}, {$3500.00}, {$3300.00} have 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 an 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 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (UT)

I made complaint of inaccurate address reporting on Experian. I disputed the wrong address and got response today stating it's the right address how XXXX XXXX can this be my address when in fact it doesn't match my address on my ID. I have made multiple complaints of unauthorized inquires into my credit report and yet I dispute about two address incorrect but yet I don't get anything removed this XXXX XXXX Remove the following Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is a fraudulent address I have made to many complaints that I have never lived at this address and yet their refusing to remove this fraudulent address, I have already submitted my Drivers license and Experian still refuse to remove this address.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-11-23
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.

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 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX when I left my wallet with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.
Consumer complaint received 2023-11-23
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. (IL)

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.