davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2023-07-28
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. (NY)

XXXX ( XXXX XXXX XXXX  ) Back in XXXX of XXXX I was looking at the XXXX XXXX site, and submitted my information into a pre-approval check portal. 
It stated I was pre-approved, but I did *NOT* approve/accept the offer. I immediately backed out of it, but a card still appeared in my mailbox days later. 

After I received it, I reached out to XXXX to have them close this, which was not successful. I then started a dispute with Credit Agencies, which FINALLY got them to " terminate my account '' back in XX/XX/XXXX. 

I not once used this card. 

Today, I check my credit report and this account is still showing as open.
Consumer complaint received 2023-08-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC (SC)

We are having an issue with the creditor from Credit Central loan & taxes coming to our front door of residence asking us for monthly payment. Its been about three weeks now that we are going through XXXX XXXX XXXX in turn using XXXXXXXX XXXX XXXX  for legal representation. This is the second time Credit Central here in XXXX, South Carolina has physically came to our home and harassed us for payment and they have been sent a notification from XXXX XXXX XXXX. We wish to file this complaint against Credit Central please. Please feel free to contact me at anytime and thank you.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX of 2022 to XX/XX/2022 I was XXXX, during that time I was a victim of fraud. I have many disputes everywhere and they have all been in my favor so far, through investigation I found out that XXXX XXXX XXXX stole my identity open accounts everywhere, did a lot of fraud with my name and my credentials. One of mean American Express when I went to XXXX I left my American Express paid off, I had it set to be automatically payments every month, this person went ahead and charge American Express then went back into my XXXX account and made five manual payment in the month of XXXX equaling over {$14000.00}, XXXX XXXX found out about this situation and told me they were not liable. American Express was all they did was pay the bill. I had set up that way. 
American Express keeps giving me the runaround I have given them all the documents proof of XXXX the letter from XXXX from the investigation. They have all the documents needed. They keep telling me that they dont they dont but when I call they do in the promise me they will get back to me and nobody does, then a few days later, I get an email or a letter saying my front claim is closed due to lack of documentation.. I am not disputing my account that is now closed. I am disputing. The five payments made in the month of XX/XX/2022 equaling over {$14000.00}. I am enclosing a letter from the bank that gives you the routing number of the payments how they were made, this is all information that American Express has already, they have my phone number they have my account number they have my email and theyre saying that they can not get a hold of me which is a lie
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this CFPB complait to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts that was late on my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This account should be corrected right away : XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-08-21
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. (NE)

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 Date opened XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX and XXXX are reporting XXXX XXXX XXXX ( XXXX ) XXXX XXXX  and Experian is not reporting information on Credit Report. Missing Information. XX/XX/2020
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/23, I noticed several charges in my chase checking account that I did not make. I called the fraud department and began to file three separate claims. The one Im referring to was a XXXX $ charge for a company called XXXX XXXX a shoe companyI definitely DID NOT MAKE THE CHARGE..I was asleep when it happened, no one else had my debit card number, but obviously some hacker or identity thieves had my new debit card number or account numbers to be able to make the initial purchases.. Chase said they would stop payment since everything was pending and credit back all of the claims I filed, totaling about XXXX XXXX I had just opened the account and had only had my debit card for about a week or soso after the claims are filed, a new debit card is sent out, etc, I got credits back from chase in the amount for each fraudulent charge.. and tonight XX/XX/23, I check my checking account via the chase app and notice a CLAIM REVERSAL IN THE AMOUNT OF XXXX $!!!! Im not sure what is going on but this is ridiculous!! I never made any purchases for XXXX XXXX, but now chase is taking that same money they gave me back!! I did recently purchase XXXXXXXX XXXX XXXXXXXX shoes for my son, which he paid for, I deposited money ( which there is proof of ) and shortly after depositing I ordered his shoes for school! So idk how claims work, but it appears that chase is leaping to a conclusion that because I ordered expensive shoes similarly to the fraudulent charge, that I must have submitted a false claim???? WHICH IS NOT TRUE!! Im just absolutely disgusted by this entire process..I have XXXX children, Im a XXXX at a local restaurant, I decided to bank with chase because its very close to my new work and was convenient for me to do nightly cash deposits after workbut since this has happened, I transferred all but a small amount to my old bank, whom I never had not one issue with in 4 years of being a customerTwo weeks with chase and theres fraudulent activity and then this? Excuse my language but this is absolutely XXXX  I have screen shots of the original fraudulent charges and the reversal made tonight.. and of ATM deposit of cash and then ordering my sons shoes..this is ridiculous!
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have inaccurate addresses on my consumer report ( EXPERIAN, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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. (MA)

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 2023-08-21
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. (NC)

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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Account Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : 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 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 2024-10-30
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. (MO)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2023-07-26
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)

Dear Experian, XXXX and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXXXXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : DeptedXXXX  Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove the following inquiries from the credit 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 XXXX XXXX XXXX XXXX  -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Kubota North America Corporation (TX)

I had a retail installment loan through Kubota Credit. 

The loan was paid off ( total loss insurance claim ) on XXXX My autopayment was then deducted XXXX XXXX ( per my bank ) a second auto payment was drafted AGAIN on XXXX I have contacted Kubota Credit and they are doing an internal investigation for the last XXXX days. 

As of this date they are giving me the run around and refusing to return the two fraudulent charges.

Their system shows a partial refund, I have not received any refund, and why WOULD IT BE A PARTIAL RETURN!!?!
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-21
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (TN)

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 2023-08-21
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Experian and XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX Balance Owed : {$11000.00}.