davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (NJ)

I am writing to dispute unauthorized inquiries on my credit report that I believe were made without a permissible purpose or any legitimate business reason, in violation of my right to privacy. This is a clear violation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 15 U.S.C. 1681b ( f ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
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 (NY)

The following charges, totaling {$280.00}, showed up on my Barclays XXXX XXXX XXXX statement which I did not make or authorize. I reported these fraudulent charges to Barclays in late XX/XX/XXXX and followed-up more than once in early XX/XX/XXXX, but they have not removed them and they are still showing up on my balance due. The issue seems to be related to the fact that Barclay 's recently took over my credit card from XXXX XXXX. One person I spoke with at Barclays told me I should call XXXX, but when I tried calling XXXX, an automated recording directed me to call Barclays : XX/XX/XXXX - XXXX XXXX XXXX - {$20.00} XX/XX/XXXX - XXXX XXXX - {$47.00} XX/XX/XXXX - XXXX - {$17.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - XXXX - {$50.00} XX/XX/XXXX - XXXX - {$7.00} XX/XX/XXXX - XXXX  - {$23.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$35.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$59.00} XX/XX/XXXX - XXXX - {$9.00}
Consumer complaint received 2022-08-08
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: AMERICAN EXPRESS COMPANY (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-Card Service. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan card services ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit immediately
Consumer complaint received 2022-01-19
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: CITIBANK, N.A. (CA)

This morning, XX/XX/2022, I requested a {$1000.00} credit limit increase on my Citibank Best Buy card via their website. After submitting this request, I was notified by my credit monitoring app that they had done a hard inquiry on my credit report. I was never notified prior requesting the limit increase that a hard pull would be done, nor have I ever seen a hard pull done for a limit increase request. 
I messaged Citibak/Best Buy via the customer service portal on their website and requested that they remove the hard inquiry from my credit report. Their response was, " Our system is programmed to facilitate a fair and accurate credit report review. Until you apply, we are unable to anticipate whether the resulting credit check will be a soft pull which does not impact your credit, or a hard pull which may impact your credit. '' This response is unacceptable since they did not notify me in any way that any pull would be done, particularly a hard pull. Had I known they " may '' do a hard pull, I would not have requested an increase and would instead have applied for a new card with a different agency.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (OH)

There is an old account that has been flagged as a charge-off and removed from my credit report. The collection agency ( Jefferson Capital ) has been calling me multiple times each day, with 2 of the calls being around 11 pm. They keep calling from multiple different numbers, and they have once tried announcing themselves as an IRS representative, prior to them stating that the address to mail payments to is XXXX XXXX XXXX, XXXX XXXX Minnesota, which upon further research, ended up being the address to Jefferson Capital. They have now sent a letter in the mail that shows an incorrect balance that is different from the balance XXXX shows. In the letter, it also includes them stating that I need to contact them, or else they will interpret failure to contact as an admittance of all of their information being correct, which I feel is an attempt by them to reset the legal clock of the time a debt expires.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX
EQUIFAX INFORMATION SERVICES LLC 
XXXX XXXX XXXX XXXX ,GA XXXX  TO WHOM IT MAY CONCERN :
I AM WRITING TO DELETE THE INFORMATION IN MY FILE. THE 
ITEMS I NEED DELETE ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE 
CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY 
CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL 
TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 
1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX
3. XXXX XXXX XXXX XXXX
4. XXXX XXXX XXXX
5. XXXX XXXX XXXX XXXX
6.XXXX XXXX XXXX XXXX XXXX
7. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of 2022, I sent a dispute to XXXX, XXXX and Transunion credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.
Consumer complaint received 2021-11-29
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-02-16
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. (TX)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.
Consumer complaint received 2021-11-29
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. (PA)

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-20
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. (NE)

Equifax credit bureau is reporting three collection accounts with XXXX XXXX , XXXX in the amount of {$41.00}, {$41.00} and {$220.00}. This is not my account and is identity theft. I have disputed these collections accounts several times with the credit bureau and the creditor XXXX XXXX , XXXX. I was the victim of identity theft in the past as well.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I had a remaining balance of over XXXX that Wells Fargo would not let me transfer electronically, even to the checking account already connected to my WF account. They only offered a check via paper mail service. I requested a check on XXXX XXXXXXXX XXXX and have not received it. They originally estimated a duration of 7-10 business days and it has now been over 50. Every call to customer service has resulted in no new info. The best they said they can do is mark my issue as urgent for the " Research Team '' and promise that someone will get back to me soon. This has occurred three times, each time they push the expected window of time to get back to me another 7-14 business days. It has been two months of this. They insist there is nothing they can do, that they are experiencing a lot of failed mailings, and that there is no way to get my money back until " The Research Team '' can take a look at it. When it becomes this complicated to take money out of an institution, it becomes very suspicious. When a lot of mailings fail and they don't remedy the situation, it becomes very suspicious. It's like they do anything in their power to keep the funds internal. It is very tiring to face this kind of abuse as a consumer of limited means. 

I had planned to use the money in the time it was promised to me. When a bank like Wells Fargo fails to give someone their money for over 50 days and provides them no resolution, only ever-extending timeframes, financial damage occurs. I needed to pay a bill but Wells Fargo decided I cant have my money for 2-3 months? They are allowed to do this, why? Because they didnt use a reliable mail carrier? Because they dont have time to look into what happened? I should not have to bear the costs of Wells Fargo 's failures of service. It is willful negligence. 

I need access to the remaining balance of my account immediately. There are many resolutions to this situation ( cancel the check, give me my money back in any electronic form ) yet Wells Fargo offers none. Banks can not be allowed to take this long and make this many errors to keep customers separate from their money.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank issued credit cards for XXXX XXXX customers. The accounts were either sold to Bread Financial  or Comenity Bank changed its name to Bread Financial  in XX/XX/2022. At that time my account was fully paid off, and all accounts were closed to new purchases. It appears that they have stopped reporting to credit agencies, as all three show a balance of over {$3000.00} for my account. They agree it is XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ID)

I have disputed so many items that are on my credit report. Items that I requested to be removed. Old accounts or account I paid and closed. But all three company 's refuse to remove them I have put so many disputes and no nothing they don't correct anything or fix it. What else can I do
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/2020 TXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I am currently banking with US Bank. On XX/XX/XXXX there was a fraud transfer on my account in the amount of {$10000.00}. The night of XX/XX/XXXX I called US Bank to dispute the transfer. On the same day my SIM card was hacked with XXXX which I believe is relevant as well as my online banking information had to have been hacked in order to access my account to initiate the transfer which I believe is relevant. Through a almost 2 week process I have called US bank without any updates other than we are trying to recover the funds. On one of the phone calls I was told by one of the representatives that as long as I did not approve of the transfer I would be receiving a provisional credit to my account. Now Im being told by US bank that they wont do a credit with a wire transfer. I have escalated this matter to the highest authority I know how at US Bank and I need some help recovering funds that were stolen from me. I believe US Bank should do something to make this right as I never received any sort of alert that someone was in my account transfer all of the money I had in my account to a different account by the name of XXXX XXXX.
Consumer complaint received 2021-01-25
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. (SC)

Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.
Consumer complaint received 2020-05-26
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX XXXX {$250.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$240.00}
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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