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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX. 
Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 USC 1681. XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I opened 4 claims for 4 transactions of the same merchant, now im opening this claim ( ref XXXX ), because was denied without asking anything or requesting supporting documentation. The other claims the bank requested a document signed by me and also the receipt showing that the merchant must sent the items to my address. 

Attached goes the invoice from the store showing they must sent the purchase. 
the transaction was made face to face in store but they didnt have on stock like many stores as XXXX or XXXX they sent the goods to your home. So the reason " was made face to face '' is not a valid reason to close the claim.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with TD Bank, but they did not do anything to help me. This company is reporting wrong information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. 

I am demanding the following item from my credit report : Target/TD bank acc # XXXX : Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXXLimit $ XXXX Bal {$0.00}. 

Please send the attached documents to TD Bank.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I wrote a personal check numbered XXXX to The Home Depot. Due to a miscalculation on my part the check was returned to The Home Depot NSF. I expected them to resubmit the check and made certain that I maintained sufficient funds to cover the check. In late XX/XX/XXXX, I received a communication from XXXX XXXX XXXX regarding the check dated XX/XX/XXXX. A few days later I received a second communication regarding the same check dated XX/XX/XXXX from XXXX XXXX XXXX. I went to my bank on XX/XX/XXXX and procured a Cashier 's Check in the amount of {$150.00} ( which included the amount of the original personal check of {$130.00} and the {$25.00} returned check fee ) and numbered XXXX. I immediately mailed this check via XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Cashiers Check was cashed on XX/XX/XXXX and posted in my bank on XX/XX/XXXX. While the Cashier 's Check was in route to XXXX, The Home Depot resubmitted my original personal check numbered XXXX to my bank and it was honored. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX to tell them the check was in route. I did not know at that time that the original check had been redeposited and had cleared. After finally figuring out what had transpired, I contacted XXXX XXXX XXXX again on XX/XX/XXXX, XXXX spoke with XXXX XXXX. I explained to her what had happened. She informed me that they were not equipped to handle refunds, etc. except through their website ( XXXX ). I submitted through their website the forms ( there was no manner to submit documentation ) and awaited their answer. I received their reply today, XX/XX/XXXX. Thus, the reason for my complaint
Consumer complaint received 2021-07-05
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. ()

Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Dear Sir / Madam, It is observed that some other PAN number is involved in my credit report. result in which my XXXX credit score decreased which is created by Experian Credit Report.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my information was stolen during a data breach and used to open fraudulent accounts and gain medical services in the amounts of XXXX that are causing me to be harassed by collections company 's and is effecting my credit. i have attached a copy of my id and bill to show i am who i am
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2022-03-08
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. (MI)

Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with XXXXXXXX XXXX  investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX XXXX Inquiry Date XX/XX/ 2020 2020
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (CA)

I am reaching out to you for help with company Nationwide Recovery Systems. They have ignored me and committed multiple violations per Fair Credit Reporting Act. 

PLEASE SEND THE ATTACHED DOCUMENTS TO NATIONWIDE RECOVERY. 

Thank you.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (CA)

On XX/XX/XXXX I was granted a request for a Graduated Repayment Period on a Sallie Mae student loan. I was sent a document outlining the repayment schedule for this program, in which I would pay interest on the loan but not the principle. On XX/XX/XXXX I was charged both interest and principle on this loan through an auto-debit transaction. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledge that I was owed a refund. The refund was not issued. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledged that I was owed a refund. The refund was not issued until XX/XX/XXXX, at which point my account was shown as past due for the amount refunded to me. On XX/XX/XXXX I called Sallie Mae and spoke with a manager who assured me that the owning balance would be removed and the problem would be remedied. On XX/XX/XXXX I received an email saying that my account was past due for the amount of the refund. On XXXX I called Sallie Mae and spoke with a manger ( XXXX ) who told me my account was past due for the amount of the refund. Sallie Mae is making unauthorized withdrawals from its borrow 's account. These withdrawals are in excess of the amounts specified in its lending agreements about Graduated Repayment Programs. When a refund is sought out, the refund amount is then held against the borrower as a past due payment. Despite frequent and persistent efforts to resolve the issue - and open acknowledgement on Sallie Mae 's part that the account has been drawn down in error and no amount is owing - the issue has not been resolved and stands to negatively effect the borrower 's credit.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

Early warning services has made it to where I cant open a bank anywhere they robbed me of my rights. Ive never even had any checking accounts Ive had XXXX my whole Life with prepaid cards but with XXXX of these prepaid cards its an app called XXXX the one with XXXX bear they let you link your card to XXXX I did dispute XXXX payments with XXXX. And I got a credit from early warning services thats the only time I ever heard of them before I tried to open an account at XXXX XXXX who I have XXXX credit cards with. This is insane and when I call them they tell me they cant verify me and wont give me any information and are very rude Ive been hung up on 2 times and XXXX of them even said something XXXX dont feel comfortable repeating. This is a awful company
Consumer complaint received 2024-04-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I purchased an upgraded seat on my flight from XXXX to XXXX. The seat was broken and would not decline at all. This flight was not full and there were other options ; however, the staff refused to move me to a working seat for a XXXX hr flight. The only option I was provided was to file a complaint after the flight. I filed a complaint and the only resolution was some airline credits. I have tried to refund the charge both through XXXX XXXX and USAA and neither has provided a resolution. USAA told me they were investigating and then without any follow up just closed the dispute and recharged my card. This is not acceptable. This charge needs to be removed as I never received what I paid for.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

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 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS ( Specialized Loan Servicing ) had us on mortgage forbearance last year, due to Covid-19. In XXXX it was coming to an end, so we requested a 3-month extension of that forbearance, to include XXXX / XXXX XXXX. 2020. 
SLS said yes ( this was over the phone ) and they would send me a letter to confirm. As weeks went by we never received the letter. 
I called SLS at least once a week to ask and was repeatedly told " don't worry, you're in review, just wait a few more days ''. 
Then I was notified by our credit card companies that SLS had reported " negative information '' to the credit bureaus. Up until then, our credit was always good, in the 800+ range. 
Now, due to SLS reporting us as late payment, " delinquent '' in XXXX / XXXX 2020, we can't get the new mortgage we're applying for. I called SLS and they told me it was a " mistake '' and would be corrected, also to ignore all the letters telling us to pay, as our file was " in review '' and we'd receive a letter or email to confirm. It never arrived. 
Finally in mid-XXXX we decided to pay the {$10000.00} we were behind on and cancel the forberance extension request, as SLS was never going to finish that review. Every time I called it was different, sometimes it was " the supervisor is reviewing '' sometimes it was, " we will call you in 3 days '' and so on, but never a written confirmation of the forberance extension review. 
We borrowed the money to pay SLS the {$10000.00} + and get the mortgage back to regular status. Have made our regular payments since then, so that is all current. 
But the negative info is still there with the credit bureaus and has not been corrected by SLS. 
Am now applying for a new mortgage and the lenders tell me they can't give me a reasonable rate due to this negative info. 
Have called SLS daily for the past 3 weeks, now they don't answer the phone, you put in all your info in the verification menus and then it disconnects you. My email messages on their website also get no answer, same with the 3 faxes I've sent asking them to correct the credit bureau info. 
I don't know what else to do, but need this fixed, we won't be able to get the mortgage we need for our new condo, and it's also very unfair. 
Please advise what else can we do, thank you!
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX  UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXXXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Experian- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Equifax- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX  Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score
Consumer complaint received 2021-07-06
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. (SC)

Equifax is reporting unauthorized inquiry to my credit report dated XXXX card service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't do. According to the fair credit reporting act any unverified or inaccurate most be deleted. also according to the fair credit reporting act they have 30 days to respond so by law these unauthorized must be deleted
Consumer complaint received 2021-07-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report
Consumer complaint received 2019-12-27
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. (TX)

I have been battling with both of these accounts. I have reached out to the companies but i cant get anywhere with them. The following two accounts are not mines, and to the best of my knowlege i am a victim of identity thief.