davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (WI)

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 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 has violated my rights. Or 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 2023-08-11
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: PENTAGON FEDERAL CREDIT UNION (GA)

I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX  Inquiry : XXXX XXXX, XXXX  PENTAGON FCU-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXEquifax ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-11-25
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. (IL)

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX XXXX # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX XXXX # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

I called EdFinancial and requested a refund for student loan payment on XX/XX/2022, the representative assured me that my refund request was on record. I called on XX/XX/2022 to check the status of my refund request and was told that no refund was requested on my behalf. They didnt provide an explanation at all and dismissed the issue so I requested a refund a second time on XX/XX/2022. I lost 2 weeks of time because they did not process my request on time. I asked for an inquiry ID on XX/XX/2022 but they refused to provide me one, I also asked for an estimate on my refund and they said it 60-90 days. I called multiple times for status updates and I get different timelines some up to 6 months. This is not acceptable and they offer no guidance or provide truly helpful information.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX VXXXX 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 2019-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

I was contacted by National Credit System from XX/XX/2019 to XX/XX/2019 in attempt to collect a debt of {$2000.00} from XX/XX/XXXX and was told if I didn't pay, this will be put back on my credit, after it was disputed and removed off last year. I also was told that my credit would be damaged and I wouldn't not be able to own a home or rent anything.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc. (PA)

XX/XX/2023, I contacted Wisely powered ADP in regards to transactions being attempted by someone unknown and unauthorized. They cancelled the card and sent a new one not informing me it would take 7-10 business days. They never gave me any option to expedite either. After have the card cancelled I informed them that the address, email, and phone number on file needed to be updated as I no longer have access or reside at the residence. They had me go through a verification process which I still have the verification code for and told me it would take 1-2 business days. XX/XX/XXXX came and after calling 3-4 times and being hung up on when they couldnt produce an answer I finally got someone consistent and patient enough to help however they were highly confused. They first told me there was no verification submitted after going back and forth, I gave them the verification number I got XX/XX/XXXX as proof I did do it and they told me to wait until Tuesday XX/XX/XXXX to update that. When I inquired about a delivery date for the card they told me it wouldnt get to me until XX/XX/XXXX which is too long to go without my access to my account. Again 3-4 times an employee hung up on me until I got a consistent and somewhat knowledgeable employee and they told me I could overnight a card overnighted and they told me the {$35.00} cost however they refused to let me pay the fee with a different card and since I had no card I had to wait on a bank transfer. On Wednesday XX/XX/XXXX, I called again and set up to have my card overnighted to me. XX/XX/XXXX I was provided a tracking number that told me my package would arrive that day. The mailing address on my file is too my job since thats who I got the card from, but as the ups driver arrived he said he did not have it. After being in contact with both ups and the bank it wasnt until XXXX that I was told the card was lost to which I called the bank and demanded a new one be overnighted to me. They told me to wait the next day to see if the card was found. XX/XX/XXXX, the card was not found and I called the bank again and again after being hung up on multiple times I finally reached someone who made it extremely complicated to work with as she struggled to give my answers and would give false information until I could prove otherwise. When I asked about the refund for the first card I had overnighted they refused, they also locked my account so that I cant even use the account/routing number to pay my bills, and in addition theyre arguing with me about the verification process I did XX/XX/XXXX despite me having the verification code as proof and despite it being noted that I called on XX/XX/XXXX for update. I am now a week without access to my card and am in fear I will go through this entire process again when my card is supposed to be received tomorrow or Monday. They provide little to no help over the phone and continue to hang up on you when a question requires too much work.
Consumer complaint received 2019-11-30
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. (MO)

XXXX  allowed XXXX XXXX  to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.
Consumer complaint received 2022-10-17
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. (AL)

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. XXXXXXXX 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 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 2023-08-11
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: Turner Acceptance Corp. (IL)

I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX XXXX XXXX XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIGY USA CORP. (NJ)

My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor XXXX Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I keep getting charg3d over draft fees all yea long and also they double charge the same charges or I will put money in have that amount then they say they charge me for a pet tense fee which I have no idea why
Consumer complaint received 2023-03-08
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: BARCLAYS BANK DELAWARE (AL)

My Barclay Banana Republic Mastercard had many unauthorized charges since middle year of XXXX. I called Barclay immediately as soon as I found out the issue in XX/XX/XXXX. As requested by me, they closed my account on XX/XX/XXXX. Their dispute department followed on all the unauthorized transactions, and resolved my issue by XX/XX/XXXX. My balance on XX/XX/XXXX was {$0.00}. By XX/XX/XXXX, I received credit card statement from Barclay which showed that my account was charged for {$60.00} by merchant named " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. On my XX/XX/XXXX statement from Barclay, it showed transaction of {$60.00} credit by merchant, " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. My balance was {$0.00} as of XX/XX/XXXX. On XX/XX/XXXX, I received statement from Barclay, which showed a transaction on XX/XX/XXXX of {$33.00} purchase by merchant named " XXXX XXXX ''. My balance on the XXXX statement was {$33.00}. I immediately called the Barclay 's customer service in XXXX, XXXX, and filed dispute for the charge of {$33.00}, since it was not authorized by me, and the fact that my account was closed. On XXXX XXXX, XXXX, I received statement from Barclay which had balance of {$65.00}. On the same statement, on XX/XX/XXXX, there was transaction of " Late Payment Fee '' of {$30.00}. In addition of XX/XX/XXXX, translation of " MINIMUM CHARGE '' of {$2.00} on the same statement in XXXX, XXXX. I called Barclay 's customer service on XX/XX/XXXX to file dispute of additional charges and reminder of previous XXXX, XXXX unauthorized charge.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY CREDIT SYSTEMS INC (IL)

XXXX XXXX XXXX XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

Securitycred Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
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. (OH)

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. Equifax is the only one reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. Equifax has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. Equifax has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item four times
Consumer complaint received 2022-10-17
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. (NC)

In accordance with the Fair Credit Reporting Act Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation.

Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (IN)

I received a bill from XXXX, XXXX for {$59.00}, and never applied for this card which I never received anyway. please cancel any membership I may have XXXX XXXX XXXX