davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (IL)

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( Credit Acceptance ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( Credit Acceptance ) of any sort. 

In regards to The company ( Credit Acceptance ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( Credit Acceptance ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
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. (CT)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XX/XX/2022. I noticed some activities on my credit report that werent mine. So I contacted XXXX Equifax, XXXX XXXX and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXXXXXX XXXX XXXX  ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXXXXXX XXXX XXXX  ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2024-01-05
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. (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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

On XX/XX/2023 I was walking back to work after leaving XXXX XXXX at like XXXX XXXX All of a sudden I get a message alert, saying my prepaid secured credit card account has a balance of - {$210.00}. How? Because I just use my card so I know I only had XXXX XXXX left and I hadnt made any {$210.00} purchase so once I got back to work I called Chime. Literally no one could show me the charge or charges that cause me to go into a - {$210.00} balance. And after hours and hours of being on hold, they blamed it on the merchant, that I use most. XXXX XXXX. Saying they had my credit card info and force charge me. Which is a lie because XXXX isnt the kind of merchant that allows you to old him money. When you make a purchase from them you have to have the money right then in there they charge you right then and there. That Sunday late XXXX. I got a deposit in my account enough to cover - {$210.00} balance. All of a sudden once the balance is brought above XXXX charges popped up on my statement from XXXX at XXXX XXXX  on XX/XX/2023. How is that possible? My balance was already- {$210.00} so that wouldve made me a little - {$420.00}. Not only that all five of the charges were processed at XXXX XXXX which is impossible. Because XXXX XXXX  doesnt keep my information I have to type my information in for every transaction. So each transaction takes a couple minutes. Its impossible to do five transactions all at the same time. So I contact XXXX  and ask them if they have any record of me making any purchases at XXXX on XX/XX/2023 and they said no they have no record of these purchases. Chime has fabricated some charges to cover up the money they wrongfully stole from my account. There is no record of these charges ever happening from the merchant or for me. And chime still wont give me my money back. I asked for them to send me all the evidence they used for their investigation and all they sent me was a copy of my bank statement from Chime showing the fraudulent charges thats Chime themselves made. Nothing from the merchant. Nothing else to prove the charges were ever made or even exists. My statement doesnt even show me as ever having a negative balance anymore. Ive sent them proof from the merchant that they never charged my account at that time and that they dont force charge payments and they still refuse to give me my money back..
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2023-09-09
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. (MD)

I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.
Consumer complaint received 2024-01-03
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. (MS)

TransUnion LLC has downgraded my credit score because of a collection account in my name. However, I called the collector and my birthday, social security number and address are all different than the information they have on file. TransUnion claimed they investigated and found that I was the delinquent party. XXXX with TransUnion told me to file a complaint with the FTC, so here I am. This debt does not belong to me. TransUnion claims I owe {$2700.00} to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I also called them, and they have never heard of me. Also, they don't even service this area. I filed my first dispute with TransUnion XXXX XXXX. My latest phone calls were today XX/XX/XXXX.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. 

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. XXXX XXXX transferred eligible loans to XXXX around the summer time in XXXX. XXXX, XXXX, and Equifax all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (KY)

I bought a {$200.00} vanilla gift card from XXXX XXXX. I activated it and everything. Lost the card in XXXX for a bit before finding it. Once I found it I went to purchase some stuff. I come to find out everything had been spent but {$5.00}. Whoever had my card make a {$190.00} purchase at a hair salon next to my local XXXX. I disputed this as unauthorized. The company request a picture of the front and back of the gift card as well as the purchase receipt which I showed them. Here we are a month later and still nothing. 

Im so tired of calling them just about every single day just to be told to keep calling back for an update. Nothing never changes. I want my money back. They need to reissue me a new gift card and ship it to me expedited. 

The information to verify the gift card to show Im the owner is down below. 

Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also uploaded the pictures of the front and back of the card along with the picture of the purchase receipt which is as I said the same thing I sent to the company that they requested. Im so tired of waiting and beating around the bush. I want refunded now. This is nothing but nonsense.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan  ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to XXXX around the summer time in XXXX. XXXX, TransUnion, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on my credit report.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-09-09
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. (IN)

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 : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 1681i ( 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. I have evidence to prove my case
Consumer complaint received 2023-09-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (KS)

On or around XX/XX/2023, I paid my account in full to pay off the account, XXXX balance. Comenity Bank reciprocated by dropping my credit line from {$2200.00} to {$200.00}, so I called into customer service, talked with XXXX and closed the account. XXXX confirmed the closing of the account with an email. Comenity Bank now states that I am behind on my bill due to complicated way of charging interest ( this is the exact wording from the customer rep who would not identify herself ) and I owe them money. I refuse to pay this money until they show me there was any reason to charge me interest on a XXXX balance account.