davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-13
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. (MD)

I have a charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.
Consumer complaint received 2023-09-25
Product: Credit reporting 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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am submitting this complaint to address this account which is reporting inaccurately as late payment on my credit report despite of my long-standing history of timely payments. This is clearly Inaccurate reporting. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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.

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 2023-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (AZ)

I applied for a Discover XXXX XXXX on approximately XX/XX/2023. I proceeded to fill out their on-line application. It presented the term length and interest rates that were available to me based on my initial application and I am assuming the soft check of my credit, and made my choice. After that, I received an email response indicating that they were interested as well and to continue with my application process. I continued the application process at which time Discover proceeded to request that I send in pictures of my social security card, front and back of my drivers license, provide them 3 months of statements of a primary bank account ( which I took as the one where they would see paycheck deposits and mortgage payments ) and to also provide them the account number and routing number of where they would be depositing the loan funds. I proceeded to provide all that information. They did a hard credit check with XXXX where my XXXX XXXX was XXXX and also did a pull from XXXX. My bank cash balances exceed the loan amount by XXXX, my debt-to-income ratio is less than XXXX percent ( 0.12 % ), my other assets exceeded the loan amount by over XXXX and I have minimal debt. They said that everything checked out but that they were denying the loan request due to not being able to validate the phone number I put on the application ( A cell phone number that has been assigned to me for over 20 years ). This initial rejection took place on XX/XX/XXXX. I proceeded to verify there were no blocks on caller id presented to them when I called in and verified that both credit reporting agencies had my cell number registered, as did the bank on the statements that they requested. At no time did Discover try and call me directly, but they had no issues validating me for security reasons each time I called in to them. Even after verifying with them that the phone number I provided was listed with the credit agencies they used and matched the number from which I was calling, they still refused to provide the loan. This final resolution by them took place on XX/XX/XXXX. The fact that they requested account and routing numbers prior to approving the loan is questionable in my opinion as they would not need that info unless they were planning on approving the loan. Also, collecting an image of driver 's license rather than just my driver 's license info seems to serve no other purpose other than collecting an image of my face, including gender and XXXX XXXX. The fact that they denied the loan only based on not validating a phone number that was valid and on the credit reports they pulled borders on an untruth. At the minimum, the process seems to be no more than an exercise for Discover to collect personal information from me and at worst case, is showing unfair lending practices possibly based on gender, XXXX XXXX and/or income and debt levels that don't play into the types of customers that are more likely to make late payments and allow them to charge more.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

This issue is separate from the other two previously filed claims against Chase Bank. This is a new one in response to their response to me, claiming that they closed my account due to excessive claims. One of those claims were called in over the phone where I stated someone had booked a XXXX XXXX XXXX in California claiming to be me. I even offered to send to them the itinerary which was given to me by the hotel after calling them. They then sent me a new card as a preventative measure. When I first learned of my account closure on XX/XX/22 I asked if it was in regards to this so I could provide them with the proper explanation and they stated no reason was given and that my accounts were simply closed at the discretion of the bank. I asked if it was regarding my claims filed so I could assess to provide documentation if needed, but was never given that opportunity. 

I believe that this is discrimination and if the response to this complaint by chase bank is continue with the termination of my relationship to them and to keep my accounts closed I will now be pursuing legal action against Chase Bank and will then follow up with them with an attorney to file suit, if my account is not reinstated. As a XXXX man I believe this was due in course to discrimination. 

Thank you!
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VI)

Im letting chase know, someone is using my information without my permission. Please removed credit reporting from credit. Who using my information without my authorization should be penalized them for using my information. My ID was stolen in XXXX XXXX 

Someone listed me as a authorized user without permission. 

My address is on file with chase.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I have written to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity due to these fraudlent accounts on my report. I have contacted experian and they do not seem to have the urgency to fix this situation as fast as they have reported it to me. 

I ask that you help me make them comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I was sent a copy of my credit report.I was shocked to learn that I am a victim of Identity theft. I found numerous accounts on my credit report not opened by me. this has been hurting my credit score as I am in the process of buying a home for my family. Please remove these fraudelent accounts immediately from my credit report.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you in a state of confusion, as I am writing to express my sheer bewilderment at the ongoing circus that my credit report has become. It has recently come to my attention that in addition to the mind-boggling number of fraudulent accounts already haunting my credit profile, you have managed to conjure up even more of them! XXXX! Your incompetence truly knows no bounds. 
Let us, for a moment, ponder the exquisite absurdity of the situation. It appears that not only can you not remove the existing fraudulent accounts, but you also have a talent for spontaneously generating new ones! It's almost impressive how you manage to compound the errors on my credit report with such consistency. 
Should I attempt to dispute these additional phantom accounts? Should I resign myself to the fact that my credit report is now a work of avant-garde fiction? Or perhaps I should just sit back and applaud your dedication to the art of credit reporting surrealism. 
In the spirit of this confounding situation, I formally request the removal of the following accounts, which I am still trying to wrap my head around : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently pulled my credit report and noticed Experian are reporting the incorrect balances for my accounts. Because XXXX and XXXX are reporting something different, this means the account has not been properly verified. Please delete this immediately. 
XXXX XXXX XXXX XXXX  balance is {$150.00}. XXXX XXXX XXXXXXXX balance is {$78.00}. My other XXXX XXXX is XXXX. XXXX XXXX {$450.00}. My XXXX  XXXX balance is {$48.00}. My XXXX  is {$140.00}. My XXXX  is {$100.00}. My XXXX XXXX is XXXX. My XXXX XXXX balance is {$190.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. have evidence to prove my case!
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
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. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
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: Experian Information Solutions Inc. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX