davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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)

in accordance with the Fair Credit Reporting act XXXX XXXX #, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 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 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXXXXXX XXXX. 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} 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 2023-03-04
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. (GA)

This is my several requests and It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-10-18
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: Experian Information Solutions Inc. (AL)

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TN)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-05-22
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. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank Of America has frozen funds that were authorized to pay my grandfathers bills. They have completely dropped the ball on customer service and knowledge of their own products. My mom went through all the right avenues to obtain a legal power of attorney for my grandfather. We have submitted this document multiple times and keep getting different answers from all employees as to why the funds have been frozen. My grandmother is in an assisted living facility and payments to facility have been rejected twice now. This bank has proven to be incompetent and after researching this more I discovered Bank of America has had to pay tons of fines for this same issue. I want to know where the POA documents keep going? This is personal information and they keep losing everything that is completed. I am referring to the XXXX, Md location. I feel like there is some fraudulent activity happening. My grandparents are both in their XXXX 's and need help with everything. Please HELP!
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

On XX/XX/2023 my phone was stolen along with my Chime debit card on the city bus on my way home from working out at my college gym. An unauthorized transaction of {$2100.00} was made. I called support over the phone and reported the issue. Connected with an agent, and I was assured my card was canceled and that I should upload supporting documents now or while the investigation was happening. Needing my phone immediately I filed a device replacement ( over another phone since I couldn't log into my XXXX XXXX account due to two-factor authentication needing a code sent to my mobile number that was stolen ) through my phone company since I had a T-Mobile device protection plan. My claim was handled by XXXX, filed, and approved I paid a {$100.00} deduction. The next day XX/XX/2023 I received an email from Chime Dispute Team in writing stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. That same day I received the email decision charges on the same card they said they canceled authorized charges. Disagreeing with the decision to not refund the charge and also concerned with the activity of charges on cancelled card I contacted support and opened a rebuttal, support checked and found the card was indeed still active only then was it canceled and a new card was ordered. The investigation on the rebuttal came back XXXX days later sticking with the same decision. Finally receiving my phone in the mail and able to access XXXX I opened a third rebuttal on XX/XX/2023 and included the confirmation email and pdf letter from my phone replacement device claim with XXXX to the Chime Dispute Team. After a third review the same decision. I called support one last time and they said hang tight and look out in my email and mailbox essentially documentation in details on their decision. I received the email XX/XX/XXXX but no attached documentation ( I share screenshots of the email ) to go along with their decision nor physical mail in my mailbox as of today XX/XX/2023. I called support yesterday XXXX.
Consumer complaint received 2023-03-03
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: Self Financial Inc. (OH)

On XXXX,2021, XXXX ATLANTIC CAPITAL B added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX ATLANTIC CAPITAL has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-23
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-03-05
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: Avant Holding Company, Inc. (AZ)

I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue. 

This company has still not bothered to reach out to me to get this issue fixed. They have not requested anything and this is affecting my credit score. This has been on going since XX/XX/2022 when it first started. They responded before the 15 days claiming they are still in the process of working on it. I have already submitted all screenshots of how many times I have tried to get this resolved in that time frame. This should not be in process for nearly 7 months after I have already sent them all the info they needed. I will be now filing a complaint with the XXXX.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft
Consumer complaint received 2023-08-16
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: Affirm Holdings, Inc (TX)

On XX/XX/23 around XXXXXXXX XXXX  CST I got an e-mail from XXXX notifying me of a new account. I logged into my XXXX account and noticed there was a new account opened with Affirm. I did not open an account with Affirm nor did I authorize anyone to do so. I called Affirm at XXXX and reported the fraudulent account. I was told by an Affirm representative that there were XXXX loans opened under Affirm as follows : XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$320.00}, XX/XX/23 XXXX {$410.00}, XX/XX/23 XXXX {$590.00}. In addition, there is a new address on my credit report that I do not recognize : XXXX XXXX XXXX, TX XXXX. Affirm could not tell me if any of the items purchased were sent to above address as my case is under investigation which can take up to 30 days. They were able to tell me of the purchases include a baby mattress, bookshelf, and a white board. No additional information given. I have filed a police report with my county.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft
Consumer complaint received 2023-08-16
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: T.S. Holdings (AZ)

This debt belongs to ex spouse, due to court order in XXXX. I have let I.Q data know this information back in XXXX they refused to accept the information that was stated to them they are rude and disrespectful. I even tried to pay for some of the debt in XXXX, just so I can get an apartment, they refused to accept payment stating that I need to pay all of the debt. I have sent in this information from my divorce decree and still reporting this on my credit report. 

Also name is incorrect on this report, and date that it was reported is incorrect according to my credit report. 

In the first week of XX/XX/XXXX, someone went to an apartment that i was in and was looking for me, they went to the front office to ask for my information from the front office lady, telling them that they were inquiring about some land that I own ( I don't own any land ) she told them that she wasn't giving them any information, she described to me what he looked like. A few days later when I was taking my kids to school I seen the man in a dark blue vehicle outside of my gate. I was pulling out and he pulled in and stared at me. I knew it was the same person from the description that was given to me from the front desk lady. I don't appreciate being followed because I have small kids and I dont know what that persons intentions are
Consumer complaint received 2017-05-07
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: CITIBANK, N.A. (MA)

My  Citibank Master  card ending in  XXXX  was used for a purchase on  XXXX   XXXX  on   XXXX / XXXX /17 for  a flight from  XXXX  to  Puerto Rico  by  XXXX   XXXX  for  XXXX . I am not this individual or know anyone by this name. I did not authorize or have any knowledge of this purchase. I found it on a routine check of my balance about one week later. I reported this to Mastercard and they closed the account. However, I have not been give credit for this fraudulent charge. I was given a " provisional credit '' and then  Mastercard  revered the credit by recharging the  XXXX  to my account. I have called  Citibank Mastercard  5 times and told that this would be resolved. It remains on my bill.