davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the FairCredit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-11
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. (TX)

I contacted XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX informed me that XXXXXXXX XXXX XXXX  made the inquiry. XXXXXXXX XXXX XXXXXXXX only had authorization to submit a soft inquiry, this inquiry by XXXXXXXX XXXX XXXXXXXX was not authorized. I have contacted all involved institutions but XXXX XXXX XXXX will not remove the hard inquiry. XXXXXXXX XXXX XXXXXXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX must contact the reporting credit bureau for removal.
Consumer complaint received 2015-05-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (GA)

I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.
Consumer complaint received 2023-02-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

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 2023-02-13
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: Experian Information Solutions Inc. (FL)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : 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 XXXXXX/XX/XXXX XXXX In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

{ RE : Second Chance To Cure You Violated The United States Code Law XXXX code 1681b - Permissible purposes of consumer reports 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. 
Infringed upon my right to privacy. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above-listed information. I do not consent to the use of E-Oscar as a verification method.
Consumer complaint received 2023-02-13
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)

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report.

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

The consumer reporting agencies are violating my consumer rights.

They stated that the information was acquired from a third party source and shared without my consent.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.
Consumer complaint received 2023-02-10
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.
Consumer complaint received 2023-02-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

To Equifax XX/XX/XXXX Equifax Information Services, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please take care of this situation Equifax Responded account deleted, account number XXXX XXXX  from my credit file Equifax Company responded on XX/XX/XXXX This is copy of your response XX/XX/XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX CARD SERVICE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
I have not received by mail letter referring to account DELETED FROM MY CRDEIT FILE Specifications account number XXXX XXXX  I hereby request a letter for account number XXXX XXXX  account deleted from my credit file Please send me a copy of letter via Consumer Financial Protection Bureau as an attachment As soon as you received this notice Or by certified mail or XXXX, To XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ASAP, for my records, within XXXX business days Thank you for your cooperation in advance
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

I am unable to do a temporary lift of freeze of my equifax credit report either online or via the automated phone system. The only way I can do a temporary lift has been to call the credit freeze department and they will offer to manual do this themselves for me, but they are unable to help me make the online system or phone system work when I try to use these systems. I do not want to have to contact the credit freeze department each time I need to do a temporary lift of my credit freeze, because they have made mistakes when they have done this service for me in the past. Also, their service is only available during normal business hours and not XXXX. Lastly, according to law, I should have the option of lifting my security freeze via phone automated system or via the online system. 

Please note I have done numerous things to solve the problem including calls to equifax corporate office XXXX ; Calls to the credit freeze department XXXX, calls to the consumer service office XXXX, calls to the equifax complaints office XXXX, and numerous other numbers. I have spend hours on the line without receiving effective help.
Consumer complaint received 2023-02-13
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)

According with the FAIR CREDIT REPORTING ACT XXXX XXXXXXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I had been banking with Wells Fargo since XXXX. I not to long ago closed my account due to problems not being able to be fixed. Ive had money taken out of my bank due to over draft fees '' which was false. I worked XXXX jobs during that time to avoid that problem and Also fraud activity including subscriptions I never signed up for. It also caused for my car to get repoed a couple of times because Wells Fargo wouldn't release my funds for me to pay my car note with XXXX XXXX XXXX. ( I had autopay ) None of these issues were handled accordingly. I now bank with XXXX XXXX, I will never go back to Wells Fargo!
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

This account is over XXXX XXXX XXXX and has a payment status showing collection/charged off and I have challenged this account since XXXX without any resolution from this company for inaccurate reporting or deletion due to account also being over XXXX XXXX XXXX.
Consumer complaint received 2023-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Consumer complaint received 2023-02-11
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Accounts removed immediately. 
XXXX XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXXXXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report