davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-03
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. (NV)

In accordance with the Fair Credit 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Consumer complaint received 2020-03-28
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. (PA)

Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, XXXX  or Equifax.
Consumer complaint received 2022-01-18
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Funds were available in account during all transactions were processed except 1 XXXX {$14.00} XX/XX/22 Yet I was assessed XXXX overdraft fees starting from XX/XX/22 & 1 was from Truist banking fees yet terms & conditions states is only for debit card transactions? so 6 fees over 1 transaction? Extremely unfair! & upon calling customer service I was told I have had previous fees removed? Impossible as this Is a brand new account
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (MD)

On several occasions, I have tried to dispute records on my Equifax credit report. However, the link provided by Equifax never works and is intended to discourage consumers from filing disputes so has to reduce the company 's investigation cost.
Consumer complaint received 2022-07-03
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. (MD)

I have been in direct contact with XXXX XXXX at TransUnion and she has provided false claims about the information on my credit report as accurate. Also she has purposely decided to drag out the process of fixing my credit report. On my credit report there are names listed that aren't me XXXX XXXX XXXX, XXXX XXXX XXXX, addresses XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX, MD XXXX. Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Also TransUnion has inquires listed that aren't mine. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Bankruptcy XXXX XXXX
Consumer complaint received 2022-01-18
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: VW Credit, Inc (FL)

XXXX XX/XX/XXXX XXXX of XXXX XXXX April 08 XXXX XXXX imports XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i XXXX have an idea on whos using my information
Consumer complaint received 2020-02-12
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: SYNCHRONY FINANCIAL (NY)

I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.Syncb/tjx co plcc {$330.00} date open XX/XX/XXXX 2.Syncb/ jcpenney {$460.00} date open XX/XX/XXXX 3.Child support enforcement $ XXXX date open XX/XX/XXXX account # XXXX
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Already i told Bank of the west about my account fraud and ask them to close my account but they still charge my return check since 4 month after my request and still charge overdraft fee and i tried three time to dispute that but still stay in my credit i am very good customer with them and i had this account more than three years
Consumer complaint received 2022-07-03
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. (FL)

To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-07-03
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. (LA)

In accordance with the Fair Credit Reporting ActXXXX XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have contacted Equifax XXXX and XXXX XXXX to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a XXXX XXXX me and my family this is not right my credit is going no where
Consumer complaint received 2022-01-18
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (FL)

RobinHood sold all my stocks without my permission in the morning XXXX XXXX. And now my money is stuck in my RobinHood account and I can't withdraw my money to my own bank account. I can see that my money ( around $ XXXX ) is in my RobinHood account. But when I try to withdraw my money, I just get an error message. RobinHood restricts me from withdrawal without explanation. I contacted RobinHood about why I couldn't get back my money and what they told me was that they can't support me as a client any more, refuse to offer me any explanation. They now dont answer my phone call, either.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CO)

Colorado XXXX XXXX sent me to a collection agency without any notice that they were going to do so. I was renting a home and the last bill for {$180.00} was for XXXX. I moved from the rental property in XXXX of XXXX. I had ALL mail forwarded to me through the US postal service. The forwarding process was successful and I received all other bills and mail from other vendors. I NEVER received any mail, email or telephone call from XXXX XXXX requesting this amount. My email address was listed on my account associated with the rental property utilities, and still no notification. They claim they sent me mailed notifications to my parents address, I never lived at my parents address and they never received a notification from them. I do not know why they would send it to my parent 's address, it was NOT even listed as the mailing address on my account, according to a XXXX XXXX customer service rep I spoke with on XX/XX/XXXX. I had never missed a payment in any of my previous dealings with the utility company with any other property in which I lived in XXXX  XXXX, which has been for decades! The first time I knew of this outstanding bill was when the collection agency got ahold of me. I payed the collection agency the day I found out about it, just like I would have done if I knew I had an outstanding bill with XXXX XXXX.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 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 2022-07-03
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. (FL)

To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-01-17
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. (FL)

accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (KS)

Said theyd implement 0 % interest on loans backdated to XX/XX/XXXX. It is XX/XX/XXXX and my loans are still accruing interest. I emailed them this week, havent heard anything. Many people have asked on their XXXX page about it but I still havent found information about when they will follow through on applying the 0 % interest. 

Both my former servicer and my friends servicer have already implemented 0 % so I dont see why FEDLOAN has not. Please make them implement this. Thank you for your help.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 2022-07-03
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. (NV)

N accordance with the Fair Credit 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-06
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. (ID)

XXXX XXXX  is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called XXXX XXXX to get it corrected and they gave us the run around and refused to correct their obvious error. XXXX refuses to remove late payments assessed during XXXX Forbearance despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Consumer complaint received 2022-06-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX5 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax Inquiries XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2022
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (IL)

XXXXXXXX XXXX still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
Consumer complaint received 2022-07-03
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. (PA)

HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Consumer complaint received 2022-01-16
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. (MO)

XXXX XXXX financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over XXXX years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (FL)

My complaint is about XXXX XXXX XXXX and Experian Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with XXXX  on that date. I had applied to XXXX on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.