davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-16
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. (TN)

I recently reviewed my credit report and I noticed some things that were wrong and other things that are not mine. My only name is XXXX XXXX, my only ADDRESS is XXXX XXXX XXXX XXXX, TN XXXX, I have never worked at SOCIAL SECURITY ADMINISTR CHILD SUPPORT. I see XXXX collections that are not mine and need to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXX. also these inquiries are not mine : XXXX XXXX and XXXX. Please help me!!!
Consumer complaint received 2023-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I contacted my loan provider ( Aidvantage ) on XX/XX/XXXX about my refund for payments made during the relief period in the amount of {$5300.00}. On this day, the processed my refund request and it has since been approved ( with the {$5300.00} now reflecting on my account balance ). I was supposed to receive a check within XXXX weeks but it's been over that time frame so I contacted the XXXX Treasury office today ( XX/XX/XXXX ) - they told me they have issued a check via direct deposit for {$0.00} and have no record of owing me the {$5300.00}. Can we please see what's going on with my refund and provide me with a new XXXX since the original time frame has already passed? 

Let me know what other information is needed from me. Thank you.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Throughout the term of my loan Wells Fargo has been charging additional interest and fees. My loan was paid off via my Insurance company XX/XX/22. Wells Fargo still proceeded to add interest and fees to this account. They also marked my credit report with negative marks even after the Loan was paid off. Throughout the term of this loan I have always questioned the interest rate and the fees. Please see the attached documents, I most recently had to pay Wells Fargo {$5700.00} in interest so that they will stop reporting this account to credit agencies.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-04-18
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: SYNCHRONY FINANCIAL (CT)

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. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

As soon as I noticed the unauthorized transactions I contacted chimes dispute team. The total amount of the unauthorized transactions is {$790.00}. Chime 's dispute team came to a decision before they even processed the police report that I submitted. I then appealed their decision and resubmitted police report and filed a identity theft report with the FTC and submitted that trying to dispute team as well. A few days went by and I called and chime support and was told that within 10 days I would receive a provisional credit but after 11 days and no credit to my account I called support again only to be told now it would be 20 days. The dispute team at chime Bank came to the same decision that's the transactions were authorized but it is painfully obvious that the transactions are fraudulent.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I attempted to transfer money from my Chase Savings to Chase checkingnot realizing O was attempting to transfer from an external account. Not seeing anything happening I did this 2 additional times. I called and explained the error and they initially took car of the issue. However a few days later theyve restricted my account and will be closing it. The issue I have is theyve blocked my access to MY MONEY. I have no way to feed myself or survive f2-3 weeks until they decide to release MY funds. They say no one is able to do anything.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (LA)

Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX XXXX I noticed my line of credit decreased from over {$11000.00} to where my current balance was around {$7800.00}. At this point in time I had not been 30 days past due on my account, making all payments on-time. I sent a message this same day, receiving a response back from Commenity on XXXX XXXX XXXX indicating they pulled my credit and noticed my score dropped which resulted in them decreasing my line. This has put great harm on my credit score, as one of the biggest factors in your credit score is credit utilization. Which took my utilization from 66 % to 100 % and immediately dropping my credit score. The issue with this approach is there is never an understanding of what caused the credit score to decrease. In my situation, I was a victim of identity theft with disputes on accounts, and now am being penalized for this.
Consumer complaint received 2022-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have report this account as fraud on my account almost 3 times in they have done nothing to help me resolve this issue, I have stated several times that when this credit account was made I was underage at the time I just recently turned XXXX in when I went to start to apply for credit I kept getting denied in seen on my report this account that Is fraud in have all the wrong information on they account literally wrong birthday, address, phone number so Im not even sure how they even processed my information with the wrong date of birth etc it is a charged off making it negative on my credit report it needs to be remove I have no knowledge which I keep stating.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (WI)

APPLIED FOR A SHORT TERM LOAN FROM NETCREDIT ON XX/XX/XXXX ; I WAS INFORMED IT WAS APPROVED PENDING PAYROLL VERIFICATION. TODAY, XX/XX/XXXX, I HAVE BEEN DENIED DUE TO " NON-VERIFICATION. '' IN TOTAL, I SENT XXXX EMAILS, CALLED 5 TIMES AND UPLOADED DOCUMENTS TO THEIR SYSTEM XXXX SEPARATE TIMES. TO DATE, I HAVE SUPPLIED THEM WITH BANK STATEMENTS, PAST AND PRESENT, XXXX STATEMENTS FOR XXXX AND XXXX, PAY-STUBS FOR XXXX AND XXXX OF XXXX, DRIVER 'S LICENSE, PASSPORT, BIRTH CERTIFICATE, SOCIAL SECURITY CARD AND TAX DOCUMENTS. NOTHING IS GOOD ENOUGH BUT THEY ARE GOOD ENOUGH TO RUN MY CREDIT AND KEEP ALL OF THESE PERSONAL DOCUMENTS ON FILE. THIS CLEARLY HAS BEEN A VIOLATION OF PRIVACY ON THEIR PART CONSIDERING THEY'VE ASKED FOR MORE AND MORE DOCUMENTS, ONLY TO DENY THE REQUEST. I AM EXTREMELY FEARFUL THAT MY INFO WILL BE USED FOR FRAUDULENT ACTIVITIES.
Consumer complaint received 2023-03-01
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-03-16
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fidelity Properties Inc. (OH)

This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

I paid my US Bank credit card in full {$5400.00} and they reduced my credit limit down to {$500.00} from {$5600.00} and the main reason they said my credit score was in the XXXX which is a complete and utter lie. The reduction in my credit limit lowered my credit score drastically all for nothing. I paid my account in full. Please never use US Bank for any credit card!!!
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-07-17
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)

EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX     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 2023-06-07
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. (NC)

XXXX XXXX, 2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency Transunion. I filed a CFP complaint previously and consumer credit agency Transunion responded on XX/XX/XXXX. Consumer credit agency Transunion stated that they sent the letter to creditor XXXX XXXX XXXXXXXX to verify the accuracy of the information sent. Creditor XXXX XXXX XXXXXXXX responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did Transunion blatantly disregard my rights and allow this account by the XXXX XXXX XXXXXXXX to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Transunion failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights Transunion please stop violating my right I will have no other juice but to take legal action against you Transunion and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.