davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (TX)

The following inquiries being reported by Equifax, XXXX and XXXX were not authorized or with my consent. This is a clear violation under the FCRA sec 604. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
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: William D. Meeker Enterprises, Inc. (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX -XXXX XXXX on XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-01-31
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (VA)

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22 a account from XXXX XXXX XXXX prime loan credit builder was open without my permission and reported to my XXXX, Experian and XXXX credit report.
Consumer complaint received 2020-03-06
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)

I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit file.
Consumer complaint received 2024-03-21
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I opened the account with Coinbase.com in XX/XX/XXXX. I wire transfered money to that account in order to purchase Bitcoin. I stored purchased Bitcoin in digital wallet based on their website, Coinbase.com. I forgot my password and tried to reset it, they asked to do it from the same device I used to open the account, but I do not have that device which was my old laptop. Now I spoke with Coinbase on the phone 3 times since I initially contacted them to reset the password, which was in begining of XX/XX/XXXX. They informed me that my request will be handled by specialist and they will send me an email with link to reset the password. It 's been over month and a half and I called again only to hear the same thing. I wanted to invest money into bitcoins and lost good opportunities since that time, now I am afraid they just wo n't ever answer. Please let me know if you can help me to gain access to my account, Sincerely, XXXX XXXX
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
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: NAVY FEDERAL CREDIT UNION (IL)

I am a victim of Identity theft/fraud. 
I have notified NAVY FEDERAL several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to NAVY FEDERAL XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt NAVY FEDERAL is in violation of the FCRA and continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XXXX of XXXX, I was made aware that Navient/Department of Education had placed missed payments on my account for the months of XXXX and XX/XX/XXXX although they should have been in deferment status. This notation was added on to the 11 accounts I have from this servicing provider making it 22 missed payments for the months in question. When I spoke to them in XXXX of XXXX the representative advised me that they would fixed the error, bring my status back to current and going forward my loans are in deferment status. 
XXXX of XXXX, I saw the drastic changes on my credit report and reached out to Navient about correcting the errors, and they denied my request claiming it wasnt an error in their behalf. However, if it were true that I had in fact missed a payment how come I was never contacted? They told me that they leave messages for me on their website in the inbox provided there. At that time I had no knowledge of the communication they attempted to have with me through their portal as I was never made aware of it. I ask that you all assist me in getting these missed payment notations deleted from the 11 accounts on my credit reports as it is defamation and false. It has also made me look like a terror in the eyes of lenders. I have always had 100 % payment history and now my credit is doomed because of this.
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. (IN)

I am extremely overwhelmed by the information that is being reported on my credit report. As I reviewed my report, I see that there are a lot of inquiries reporting on my profile. I am unaware of these creditor inquiries. I have reached out to the creditors that are reporting but have not gotten any responses back.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robert W. Warner & Associates, P.C. (MI)

RMF Asset Management , LLC is debt collector, who filed a lawsuit against me on XX/XX/2022, I first found out of this lawsuit in XX/XX/2022 after being served with a summons and complaint. I never received from the debt collector a validation letter, that would state the amount of the debt, that I could dispute the debt or who the original creditor was, as required pursuant to 1692g of the FDCPA. I responded to the lawsuit filed against me on XX/XX/2022 and the case is now in litigation.
Consumer complaint received 2023-01-19
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. (IL)

I have inquiries that I did not apply for some one been using my identity and apply for stuff with out my consent or knowledge first inquiry XXXX  XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I transferred a loan balance to my credit card to enjoy a 0.0 % promotional interest rate for the initial 12 months since it posted. However, Bank of America now charges me interest on all my new monthly purchases despite paying down the balance to {$0.00} for my monthly new purchases, plus additional funds toward the balance transfer. It's essentially a bait and switch. Now they can charge me a higher 15-18 % interest rate on my new purchases when I never had to beforehand because I always paid my balance to {$0.00} every month. 

I called twice to complain that this was an unfair business practice and not properly disclosed on the promotional mailer offer. 

The first time I called in to ask why I was being charge interest on my new monthly purchases I was hung up on. The second time I was not offered a satisfactory explanation why I was being charged interest or any type of resolution.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX i noticed online an unauthorized ( pending ) transaction ( {$36.00} ) on my wells fargo checking.immeduately contacted fraud dept. they pointed out that same company ( XXXX XXXX XXXX ) had previously charged three other times since XX/XX/XXXX. for 3x {$36.00} & 1x {$12.00}. 
i informed wf that i was receiving no subscription, Bank opened a dispute case told me that they must allow the pending payment to process to completion tgen it would be added to other charges in dispute. 
and told me that I would have a response and refund 10 to 15 business days. on the XX/XX/XXXX I saw a deposit into my account that said final deposit {$12.00} with no other explanation received an email on the XX/XX/XXXX which said that they had made a decision that I would receive a letter explaining the final amount that was too excited and that if I still had questions once I have that letter so I should call two weeks later no letter.when i could wait long enough on hold it took 19 minutes to speak to someone who tgen put me on hold for most of the call. only to tell me that wells fargo was only liable for the {$12.00} ( introductory rate, i called XXXX XXXX XXXX myself while awaiting the letter which never came ) XXXX cancelled fraudulent account in my name, suggested i push back on my bank for refund. Wells Fargo agent insists theyre not liable for anything beyond 60 days. ( not even the pending transaction which i alerted them to? ). 
W.F. bank. says theyre pushing back on visa to refund the money and that decision could take up to 45 days. i requested a letter stating so & she told me that I would receive a letter once they have a final decision. my truck was broken into XX/XX/XXXX, thieves took my XXXX, notebook, cell phone, & in XX/XX/XXXX my mother XXXX, so i didnt notice the unauthorized transactions, when i did i alerted bank.
Consumer complaint received 2023-02-05
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Certified Mail Receipt # XXXX YOU ARE BREAKING THE LAW! 
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( XXXX XXXX XXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU, Equifax I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) : ( Professional Finance Com acct # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above requested information to my mailing address listed above. This letter is a request for validation, and I request full documentation containing all information you received from the service provider of this alleged debt. 

Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 

You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. 




Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

Experience with Experian still has several errors, addresses, phone numbers, names in my report which thru Oscar system SEC ot allows corporations to mirror my info that fleeces the Trust. Adverse claims and the constant request to obtain my assigned social security number which according to federal Laws its against the law.
Consumer complaint received 2020-03-06
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. (AZ)

I have several inquiries that were initiated due to fraud. My information was exposed by XXXX   breach and this is the second time people apply for credit under my name. The following are not mine : XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX   XXXX Bank  XX/XX/2020 XXXX XXXX XXXX Bank XX/XX/2020 XXXX
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts I have listed below XXXX BANK XXXX rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my livelihood. These inaccurate accounts are causing me XXXX and stress and prohibiting me from receiving a good job to feed my family. 

1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX I 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized # XXXX XXXX I Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 19. Under XXXX XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurately. 
XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account Number : XXXX Delete from consumer report
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, Thank you.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, Thank you.