davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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)

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this contextXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-11-08
Product: Credit 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: CITIBANK, N.A. (IL)

My car was stolen on XX/XX/2023, and I have a rental car from XXXX. My XXXX XXXX Insurence paid for my rental but I need it to provide XXXX with my credit card. After returning the rental car at the end of XXXX I was charged by XXXX in XXXX on my credit card {$240.00}. When I called XXXX they told me that they can do anything about so I started a dispute on my credit card. On XX/XX/XXXX I received a letter to sign that I didn't authorize this charge. I emailed Citi credit card on XX/XX/XXXX, then I called them around XX/XX/XXXX and they told me they needed to process my documents. Then I waited and at the beginning of XXXX I called them back this time they told me that they did receive my letter so I ended another one on XX/XX/XXXX. After that, I called them on XX/XX/XXXX and they told me my case was closed and they couldn't resolve my dispute because I was late with my signed letter. On XX/XX/XXXX I got an official letter that I needed to pay {$240.00}. 
I followed all that they asked and I am not responsible for their unprofessional way of dealing with customers. 
Please help me resolve that problem. 
I had so many problems from this thief who stole my car.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. ()

My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.
Consumer complaint received 2024-03-21
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 looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Consumer complaint received 2023-12-26
Product: Credit 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: CITIBANK, N.A. (PA)

On XX/XX/XXXX I purchased 2 pairs of shoes on sale on the XXXX website. I received a confirmation email, and it was from XXXX XXXX XXXX which is a company I never heard of and did not order from. I went to the XXXX  website and found that they were not having a sale and when I went back to my confirmation email, there were links to view the details of my order and their website both of which were nonexistent. There were no terms of service, cancellation policy etc., because they do not exist. The only the contact was an email address which I immediately sent an email requesting cancellation. I sent 3 emails and then contacted my credit card company, Citi, and they said I could dispute the charge if it posted. It did post and I filed a dispute. From that point on, I have been going back and forth with them. They supposedly heard back from the merchant who simply said that the product was mailed, and they closed my dispute. I called them and they reopened it because I explained that I have had no contact/communication with this seller and the site does not exist. I sent them all the emails I had, and they closed it again saying I needed a confirmation of cancellation from the merchant. Again, I explained there is no confirmation of cancellation because this merchant has not contacted me in any way and their site does not exist. I asked them to get proof from the seller that it was shipped, and they said they do not do their investigations like that, and they could refer me to a supervisor to take a look at it.. I just received a notice saying they can not help me, and I needed to get a credit from the merchant. I never had any communication with a supervisor even though they said that I would be contacted. I am so frustrated. They take their word without any proof. I am being charged {$110.00} for a product I never received.
Consumer complaint received 2023-12-26
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. (MD)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (TX)

I have sent in Dispute letters to XXXX, Transunion, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XXXX Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.
Consumer complaint received 2024-03-21
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)

This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I sent a check for payoff for two separate accounts to Capital One. It was applied on XX/XX/XXXX to one single account, leaving a balance on one card and a huge credit on the other. I called XX/XX/XXXX to have that corrected. I was told the only way to have that done was for them to issue a paper check. It would be 7-10 business days before I received that check. XX/XX/XXXX, I called again, having not received a check and still showing a credit on my account. I was told that refund check had not been issued, but they would process this time. I could expect it in another 7-10 business days. Today, XX/XX/XXXX, I called again. Check still hasn't been processed and they aren't sure why. So now, assuming they actually cut a check, it will be 5 1/2 weeks that they've had my money. It is affecting my credit score having that balance out there.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XXXX I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

my account was debited {$950.00} with out my permission on XXXX of XXXX by a company called XXXX i call my bank citi bank and told them of this problem and they immediately closed my card and send me a new card in XX/XX/XXXX the bank told me they will do an investigation and get back to me, they gave me what is call a provisional ; credit while they look into the matter .however they send me a letter stating i owe this money i told them i did not give authorization to this company. i told the the company send me an email telling they have refunded the funds back to the card that was on file citi bank told me to fax the a littler of disagreement with the email from XXXX i did that on Wednesday XX/XX/XXXX and im still getting no where with them i need your help
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I settled a credit card account with the Police and XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I booked my familys first travel ever to XXXX ( XXXX ) through chase rewards on XX/XX/2023. Travel details XX/XX/XXXX XXXX  to XXXX to XXXX ; returning XX/XX/XXXX XXXX to XXXX to XXXX. On XX/XX/2023 we checked in and got our boarding pass for both flights and flew out of XXXX. At XXXX they did not let us board plane to XXXX due to husbands passport expires XX/XX/2023. I had to spend {$3000.00} to come back home next day, plus food and {$400.00} stay at yotel to get some rest. The stress and XXXX  toll that this took on my kids has no price. I trusted airport airline personnel and feel we were purposely admitted to board so they can make more money out of us. 

I feel I trusted my credit card with this important decision and they did not tell me either. No one wants to take responsibility for the extra money I had to spend due to this ordeal. Chase representative keeps telling me they understand but do they really? This is a one in a lifetime trip for a working family like mine n dont have the extra money to spend it unnecessarily.
Consumer complaint received 2023-05-30
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: DISCOVER BANK (CA)

In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under. 

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I was previously on the XXXX plan with MOHELA. I consolidated my loans and used the same XXXX  application alongside it, in which federal student aid said I was still eligible for XXXX. However, upon consolidation, MOHELA placed me on a level payment plan without my request or consent. My consolidation went through XX/XX/23, and just days later on XX/XX/23 I received my bill stating I owe the level amount they assigned me on XX/XX/23. This billing amount is more than what I would pay on XXXX, and is NOT what I had anticipated. 

I have requested that I go back on my XXXX plan in which Im qualified for, but they have yet to respond. In the meantime, I have sent another XXXX application via XXXX
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: Lockhart, Morris & Montgomery Inc. (TX)

Enrolled in school in XX/XX/2020 and was told Id work for the company and pay the debt, and that the loan would not reflect on my credit. But once I was not employed by the company I received a derogatory comment and debt as if I had a credit card I never received a bill from the company
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (GA)

I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. 

I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. 

This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated
Consumer complaint received 2023-12-26
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. (NY)

I trust this letter finds you well. I am reaching out to revisit the issue we discussed in my recent correspondence concerning the unauthorized hard inquiries present on my Equifax credit report. Upon conducting a thorough examination of my credit file, I have identified two specific unauthorized hard inquiries : XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : Equifax, XXXX and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! EQUIFAX, XXXX, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?! 

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week. 

Please help protect consumers with this illegal activity. Thank you!
Consumer complaint received 2022-09-09
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. (FL)

To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2023-04-14
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. (NC)

I sent a letter last XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent Bureaus letters. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX