davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (GA)

Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.
Consumer complaint received 2022-09-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 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. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (AR)

Here are all of the hard inquiries that I did not authorize due to id theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022, I got a XXXX XXXX response to a XXXX  item I was selling. The person got my information to send me a XXXX payment for it ( {$1100.00} ). I received an email from " XXXX  '' that said : " Dear Customer, You just received {$1100.00} via XXXX business account deposited from the sender which has been approved but your account receiving limit needs to be upgraded before your pending payment can be deposited into your account. 

What am I supposed to do? 
You are hereby informed to contact the sender to send in an additional payment of {$400.00} so we can provide you with a certificate of your account limit upgrade and immediately this is done your account will be credited with the total sum of {$1500.00} USD Note : The additional payment validates your account upgrade. We sent an alert to the sender in regards to the {$400.00} additional payment to send. We will secure this transaction with high priority. '' Ultimately, I sent the {$400.00} to this person as it was " needed to meet the minimum for a business account transaction ''. He assured me that my {$1100.00} would be sent after. I never received the payment or my {$400.00} back. This was most certainly a scam. I spoke to Bank of America and they were not willing to help at all in trying to get my money back as it was not part of their " fraud protection policy. '' thank you.
Consumer complaint received 2022-06-07
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)

In according with The Fair Credit Reporting Act XXXX  Account # s Below has violated my rights. 

15 U.S.C 1581 Section 602 A States I have the right to privacy.

15 U.S.C 1581 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

EQUIFAX HARD INQUIRES XXXX XXXX  Banking XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX  XXXX XXXX Department And Mail XXXX XX/XX/XXXX COLLECTION XXXX XXXX  XXXX XXXX XX/XX/XXXX {$30.00} CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX HARD INQUIRES XXXX XXXX  XXXX Banking XX/XX/XXXX CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX {$18000.00} Closed XXXX  Reported : XX/XX/XXXX {$3500.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed HARD INQUIRIES XXXX Banking XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

In XX/XX/2021 I signed up for a promotional offer on Southwest Airlines website whereby if I applied for a Chase XXXX XXXX and was approved and if I also spent {$12000.00} within a 12 month period, I would be awarded a XXXX rewards miles on Southwest Airlines. 

The card was approved and I have spent in excess of {$20000.00} over the past 8 months. Chase Bank is now telling me that they do not have a record of such an offer. I did not keep a copy of the original promotional offer. ( There is a similar promotional offer today from the same XXXX companies : XXXX miles if the card applicant spends {$5000.00} ). 

I have been able to find the attached XXXX article that talks about the XXXX miles offer from Southwest/Chase that expires on XX/XX/2021. 

I now feel cheated by Chase Bank. What is my recourse? 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NV)

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, 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 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Consumer complaint received 2022-07-02
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)

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 Account Holder : XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Consumer complaint received 2022-07-02
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-02
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)

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 Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Consumer complaint received 2022-07-02
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)

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 : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Consumer complaint received 2022-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Payment Method : XXXX Pay Date : XX/XX/2022 Amount : {$1000.00} Type : Withdrawal Payment ID : XXXX As of XX/XX/2022, the payment is still being held by the bank with no clear processing timeframe provided.
Consumer complaint received 2022-09-08
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. (GA)

The following information is being reported by XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act XXXX. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$470.00} {$0.00} {$470.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 an account without my written instructions.
Consumer complaint received 2022-11-21
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. (GA)

It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX BalanceOwed : {$9100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-02
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 : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Consumer complaint received 2022-07-02
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-30
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. (TX)

Account XXXX  Account number ******************* Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act Transunion, 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 I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-07
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.