davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

An unauthorized transaction of {$800.00} Through applepay and I notified them as well they advised me to notify my bank chase. 
A temporary credit was given and a reversal of funds was done and the reason cause I had made multiple transfers, I did to my daughter but one was one not authorized @ all. 
Thats not a proper investigation @ all,
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Phone number keeps trying to contact me looking for someone I do not know, I have repeatedly told them that I do not know the person they are looking for and they continue to call everyday and sometimes from different numbers are realizing that I have blocked them. I want the calls to stop
Consumer complaint received 2024-05-07
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. (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.

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 informationisinaccurate.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (IL)

I received an email from Trans world, My father was wondering what the debt was for, so he called TSI. at that time the rep ( XXXX XXXX ) disclosed information to my father. I do understand that under the FDCPA a bill collector can not disclose information regarding my debt to a 3rd party with out my prior consent. That collector is in direct violation of the FDCPA. And i will be seeking damages. The FDCPA Cleary states : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2024-05-07
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. (MI)

Transunion has been reporting inaccurate information on my credit report. Ive been disputing this inaccurate information for 3 months and they refuse to fix the issue.
Consumer complaint received 2024-05-07
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. (CA)

I appreciate your efforts to remove some entries from my file due to incorrect information reporting. However, there remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Consumer complaint received 2024-05-07
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. (TN)

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged incorrect reporting but I still have inquires left that needed to be removed. I recently checked my updated personal credit report and I noticed that some unauthorized inquiries still remain on my personal credit report. I already contacted the company and asked them to remove their credit inquiries from my credit profile. I also once request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation has long been complete, and you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance. This is my LAST NOTICE for you. Please REMOVE the ITEMS resulting from alleged incorrect reporting.
Consumer complaint received 2023-11-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

American Express " Gift Cards and Business Gift Cards '', an eGift Card was provided to me by my employer. As this is an eGift Card they refuse to send me a physical card. I am unable to use this at a store because they won't use the numbers from my print-out ; they require a physical card. 

Online and through discussion with customer service " can be used at any online retailer or any store '' ; instructions for using at a store " swipe your card '' - impossible. 

I tried to use this at 4 different online retailers and it was refused. Amex customer service tells me that these retailers have been blocked due to fraud. ( XXXX, XXXX, XXXX XXXX, XXXX ). I can see the 'pending charge ' of {$0.00} from each of them trying to process my order. All of my orders have been declined. The customer service rep says " you can use it at any online retailer '', when I asked for an example they can not provide any place where I CAN use it. 

I asked for a refund, they said since it is a 'rewards ' they can not refund. They also said they can not refund to my employer.
Consumer complaint received 2024-05-07
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. (NC)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MA)

An online saving account was open under my name with Marcus by Goldman Sachs without my permission. Bank statements have been sending to my home address with balance of {$1.00}. As of XX/XX/year>, I received the last statement indicating such account funding was withdrew and account was closed on XX/XX/year>. I called the corresponding bank to understand the situation. They were not too cooperative about my request and I spoke to three different customer service representative ( 1 being the supervisor on shift ). I was instructed in order to get account information, I have to file a fraud report along with a police report and submit it with my written statement via mail.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX  Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year> XXXX XXXX Balance Owed : {$330.00}
Consumer complaint received 2023-08-18
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (MI)

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 XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXXWorld Acceptance.. charge off opened in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. World Finance reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX '' According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-07
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. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-05
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} XX/XX/XXXX XXXX Balance : {$1000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was contacted by BOA customer service, there was 2 transactions that were not done by me they told me I had to allow the transaction to go through to investigate the fraud. But it was a scam and they say that because the funds went thru to chase bank and were withdrawn that it is not going to be returned to me. They claim I made it Possible, but it was them that didnt tell customers that they had a data breach and our accounts were at risk.They took XXXX from my account and XXXX from a account that was my daughter and I, because she was a minor at the time she opened it .please tell me there is some way of holding them responsible because I got the call from their customer service center. Thank you XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-18
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. (VA)

The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.