davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (MS)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX 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 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

There are also a number of inquiries that I did not approve these people to run my credit : 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 2023-03-22
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. (CA)

I recently got a copy of my credit report and noticed a suspicious accounts on my report. I have tried disputing this information already and I got no action. The accounts are not mine and are negatively impacting me.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-08
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. (CA)

DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury  Card ) is involved in unfair and deceptive advertising. 
I finally decided to apply. i believe i am well qualified. my XXXX  stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed. 
so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application. 
I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document. 
i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere. 
i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes. 
2. this is discrimination. 
3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify. 
if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card. 
it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX  score if they are not going to get approved. 
Please help me figure what i have gotten myself involved in and how to resolve it. 

thank you, XXXX XXXX
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I disputed these accounts and they keep updating that my accounts with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX belongs to me. I keep telling them my info was used but those accounts were opened by me they were opened fraudulently. I want these accounts to be removed from my credit report.
Consumer complaint received 2022-07-12
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. (MO)

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXS XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance Owed : {$2600.00}
Consumer complaint received 2023-04-06
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. (OH)

XX/XX/XXXX I sent a letter explaining that XXXX is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22 I was advised by representative XXXX XXXX XXXX of Bank of America that someone had opened an affiliated investment account with Merrill Lynch using my name ad social security number. The account was opened in XX/XX/22 and has already been closed. I spoke to XXXXXXXX XXXX XXXX XXXX XXXX and was advised he located a closed account under a different name with my social security number. They have opened a fraud complaint and have instructed me to file a complaint on your website and to freeze my credit account with all three credit reporting bureaus.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )
Consumer complaint received 2018-11-10
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. (AZ)

US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On around XX/XX/XXXX l made a call to Capital One credit Department from my cell phone XXXX to apply for a Visa credit card instead of a Mastercard.

Capital One credit card Department approved Mastercard in ending # XXXX on XX/XX/XXXX and since XX/XX/XXXX l have been making timely payments each month.

On Monday.XX/XX/XXXX l made a call from my cell phone number XXXX to apply for a Capital One Visa credit card and Capital One Department administration Denied me the opportunity, because l am XXXX XXXX.

Capital One is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Capital One credit card Department ran my credit with my Social Security number as Capital One already have all my information on their Data system.

Capital One credit card Venture card limit is around {$5000.00}.

I told Capital One, that l need it a Visa card to boost my credit scores so l can obtain a VA home Loan to purchase a home in XXXX, California and Capital One stated that they was going to provide me with support.

But, because l am XXXX XXXX and XXXX  l was Denied on Visa credit card.

I am been Discriminated and Retaliated as a XXXX XXXX XXXX and US Military Veteran.

My XXXX XXXX XXXX  pension income is sufficient equitable as l receive {$54000.00} @ year income from California Cal Pers XXXX    XXXX  pension income and is a XXXX XXXX income with a cost of living increase of 3 % COLA each year on XX/XX/XXXX.

I have made various calls to Capital One credit card Department to increase my Capital One Mastercard ending in # XXXX credit limit from {$500.00} to a higher amount.

But Capital One credit Department declines credit increase.

I am been Retaliated and Discriminated because of my National Origin and my file complaints against Capital One.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I had problems with Chase Bank. I opened an account with a company that told me I was their employee and sent me a paycheck. When I went to deposit money in my account I found that the company was fraudulent. As soon as the check cleared, they started scamming my identity and demanding money from me. They claimed to represent the XXXX XXXX  XXXX  company. I found the job online by searching indeed or another job website. Unfortunately, I'm unable to open a Chase Bank account. Because of this, it is always closed down by fraud every time I try. At the window, I immediately asked the representative to cancel the check since I think I have been the victim of fraud. A representative from the job called me and began to scam me over the phone. They threatened my life. I was horrified.
Consumer complaint received 2022-03-31
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: JPMORGAN CHASE & CO. (ME)

I have ( for at least 5 years ) an excellent credit score with XXXX, XXXX etc. that is in the mid- to high XXXX XXXX. I have never applied for credit, and been denied. I recently applied for credit with XXXX, whose credit partner is JP Morgan Chase bank. I was denied - and told the reason I was denied credit was due to past debt with JP Morgan, Chase bank. NOTE - In XXXX I defaulted on a chase issued credit card. - Are they able to retain and use this in assessing my credit risk since this is from XXXX? < -- -- note this is NOT on my XXXX, XXXX, etc credit reports
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was scammed out of XXXX dollars by someone pretending to be my bank, which is bank of america, and they are targeting bank of america customers, they had access to all my information in my account and they told me that someone was in my account trying to take XXXX dollars out so they had me do this transfer to recieve the money back that i was scammed out of in the first place, which was obviously a lie, but i contacted my bank and told them and they declined helping me.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting Act, XXXX account # 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (FL)

I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened XXXX XXXX, 2017 Balance {$50000.00}
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
PERSONAL INFORMATION DO NOT BELONG to me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX