davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

XX/XX/year> Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, Ga XXXX Complaint Regarding Unauthorized Furnishing of Bankruptcy Account Information To Whom It May Concern, I am writing again to lodge a formal complaint regarding the unauthorized issuance of my consumer report by Lexis Nexis for an impermissible purpose. As a consumer, I am deeply concerned about the potential misuse of my personal information and the breach of my privacy rights. 

I became aware that Lexis Nexis had released my consumer report to the credit reporting agencies. Upon further investigation, it became evident that this release was not in line with permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As per my understanding, Lexis Nexis is obligated to ensure that consumer reports are only provided for purposes such as credit eligibility, employment screening, insurance underwriting, and other lawful purposes specified under the FCRA. 

However, the purpose for which my consumer report was accessed does not fall within these permissible categories. This unauthorized access not only violates my privacy rights but also undermines the integrity of consumer reporting practices. I demand an immediate reinvestigation into this matter and request that appropriate actions be taken to prevent such incidents from occurring in the future. Additionally, I expect to be provided with a full explanation of how and why my consumer report was accessed for an impermissible purpose. 

Furthermore, I urge Lexis Nexis to review its internal procedures and safeguards to ensure strict compliance with the FCRA and other relevant privacy regulations. Consumers entrust their sensitive information to organizations like Lexis Nexis with the expectation that it will be handled responsibly and ethically. 

I anticipate a prompt and satisfactory resolution to this matter. Please acknowledge receipt of this complaint at your earliest convenience.
Consumer complaint received 2018-06-03
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. (OH)

XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX   XXXX XXXX XX/XX/XXXX 11 ) XXXX  XX/XX/XXXX Equifax Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX  XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX   XX/XX/XXXX 6 ) XXXX XXXX   XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX  XXXX, XXXX. XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Consumer complaint received 2023-07-15
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BMO Bank, N.A. (WI)

My account is not able to use old ID and password due to a take over from Bank Of The West. I tried several times to contact BMO on the phone and online. All I get is call waiting and then a disconnect. Then finally I get someone to tell me that I need to go to a BMO bank in person to set up online. This is not a good way to start a relationship. And interest rates are 27.99 %. This bank is total XXXX.
Consumer complaint received 2023-07-15
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. (FL)

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, has violated my right.I have a right to privacy.Also state consumer reporting agency can not furnish a account without my written instructions. 
I do not own this debt.I dispute the validation this debt from credit bureau.I 'm not liable for this debt with XXXX XXXX do not have contract with them.They did not provide me with the original contract as I requested and a detailed statement of the amount the claiming.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (TX)

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly update or delete the following items. Thank you. 
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
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the XXXX I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on my previous dispute regarding the negative accounts that persist on my credit report. It is alarming to see that despite my clear statement that these items are incorrect and unverified, it continues to be reported.
Consumer complaint received 2019-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Thru XXXX, it was suggested I obtain a copy of my credit report from TransUnion, which I did online. I disputed one entry which is under {$69.00} because I believe it is a duplication. I got an email today from TransUnion stating they had completed their investigation and I could view the results by logging in. Using the data I had set up, XXXX with password XXXX, I attempted to do this, only to be told my creds were invalid. Tried again, same thing. Site suggested " maybe your login is your email address '' so I tried that, with the same results. Went back to the email to respond, only to find out it's a do-not-respond. Got a customer service phone number, called, gave every scrap of identifying info the woman asked for, only to find she was submitting this as a new dispute. This was after trying to explain I was not disputing the entire bill from XXXX ; just the duplication. At some point, after the 8th time she asked what I was calling about, I was yelling the spelling of " duplication. '' She just didn't understand. Evidently it's not in her script. It was painfully obvious I was reaching another country. She finally asked me why I was calling, and I said to her, " I'm calling for the results of the dispute. I told you this in the very beginning! '' And that's when she told me ... '' I'm sorry, but we're not permitted to give you the results over the phone. '' I called her an XXXX, and she responded with " yes. '' Evidently that word isn't in her script, either. After 20 minutes of research on the web, I finally found the corporate phone number for TransUnion in XXXX ( they are very, very well hidden. You look for them and you get opportunities to deal with XXXX, XXXX XXXX, etc. ) I called it. It rang twice then went to a busy signal. Given that XXXX  is one hour behind me, there should have been someone there. I called another number in the entry for Customer Service ; different from the one I previously called. Again, I get a lady with an accent. I asked her what part of the world I'm reaching. She very helpfully said, " This is TransUnion Customer Service. '' I said, " I know that. What zip code are you in? '' She said, " We're not permitted to tell you but I can tell you we are offshore. '' I said, " No offense, sweetheart, but I need to talk to someone whose mother tongue is English. I can't go through this again, '' and bid her a good day. Our credit reports are in the hands of people who live offshore and really don't understand English all that well. I am starting to understand how all this fraud takes place in XXXX. It's simple ... they go to work for a credit bureau, then sell the information to their brother-in-law. And it has to stop.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I dispute the charge amount {$170.00} cause it was not recognized and the company after several requestes removed it then added back in Charge XXXX amount XXXX date XXXX needs to be removed cause its not recognized I called several times regarding this issue I spoke last with rep XXXX dept of early prevention fraud who he was extremely sarcastic just like most reps in that company. He did not resolve the issue and he is aware of the issue.mcharge is on the acct ending in XXXX business account
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-07-10
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-02-14
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 2024-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (IN)

I had a court date set with the third party collector Spring Oaks Capitol SPV LLC on XX/XX/2024 in XXXX XXXX Small claims court. I show up to the hearing which the receptionist said I didnt have so I showed her the paperwork that was issued to me at my home and she checked me in and asked me to have a seat in the lobby. 20 minutes later a gentleman calls my name and I walk to the center of the room where he was seated at a desk and he stated he was a representative for the Plaintiff and asked me how I planned to pay back the {$4500.00} dollar debt? I explained to him that I didnt owe any {$4500.00} dollar debt to him or Spring Oaks Capital . I told him there had been some fraudulent activity done in my name around the same time for an Unemployment claim that I currently have an open investigation pending. He asked if Inwould be willing to file a police report under this claim for Fraud at which time I said yes. He asked if the comp had my address on file and I stated I assumed so being my home is where I received the summons and he said they would be in touch. XX/XX/2024 I received a letter in the mail for Default Judgment stating I never appeared which is a flat out Lie and this Company is just trying to bully me the little guy and Im asking someone to please hear me
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (LA)

I just recently looked at my credit report from EXPERIAN on XX/XX/XXXX. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX  XXXX  XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 2. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 4. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 5. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 6. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 7. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

2000 $ was taken by IRS XXXX .they said it was for a return of covid relief money that was sent to me XXXX and on XXXX, my bank did not inform me of this transaction, the bank said they got an e-mail, but would not show me. they were very rude and accused me of stealing the covid check,. 
i tried to explain the situation but to no avail.i was will this bank for over 26 years., IRS will not let me to explain the issue either. 
now i have no money and am overdrawn and my credit card and other bills are not being paid. 
i am XXXX XXXX XXXX and only have my social security.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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.