davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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. (MA)

I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY 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
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : JEFFCAPSYS Account Number : XXXX 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 2. Account Name : JEFFERSON CAPITAL SYST, ACCOUNT NUMBER : XXXX Why is there two accounts reporting with abbreviation of name and XXXX not with the whole account number? Is this done intentionally to damage my credit report even more?
Consumer complaint received 2023-08-02
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. (NC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

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.

Under 15 USC 1681 Section 604 A 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

This is the second company attempting to collect from an account paid in full from XXXX XXXX. Debt was paid in XXXX. This could have easily been verified by looking at my credit file. Companies buying old debt and NOT verifying if its paid should be illegal. As they are illegally attempting to collect something that has already been paid, thus committing financial fraud.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

Made a purchase with a merchant of Square in the amount of XXXX and a XXXX tip. On the day after, I was notified by my bank that Square withdrew XXXX, {$400.00} transactions out of my account, resulting in XXXX. After going through so many loop holes with Square I was finally able to speak with a rep that provided me with inaccurate information along with rude customer service. The merchant did not receive the funds and the bank has notified me that Square has the funds withheld and is fraud, as I did not authorize.
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are XXXX late payments with XXXX XXXX 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.

Under 15 USC 1681 Section 604 A 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 end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-15
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. (FL)

Each inquire who provided a phone number I called and ask for reasoning and the all came to the same conclusion to see if I qualified for a product with them, I never gave permission to theses inquires to pull my credit I believe my account is a victim of fraud and its been going on for a while now. They all told me it was nothing that they could do to help i should contact the credit bureaus and the bureaus directed me to you guys. 

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 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 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I received a text message from a email XXXX and it said this Hello, sorry to bother you via text message! Our company is hiring 50 XXXX employees. If you have free time to work remotely part-time, we need you to join our team! Help restaurants improve their rankings. Pay by the day, XXXX XXXX dollars per day! You can score from home and easily earn over {$20000.00} per month. Interested parties please contact XXXX : XXXX ( Requirement : 24 years or above ) I texted this XXXX number and some person female 40 years she said and that she lives in Washington told me that she would help me on this job and how to do my training on the platform the website is XXXX XXXX XXXX After I was done with my training on the website she asked for money to be deposited my first amount was {$40.00} dollars and I made {$30.00} dollars she said in order to make more if I could deposit {$1500.00} and I would make {$500.00} dollars for commission on restaurant rankings my bank sent me a text message it was a fraud and I call them telling them what was going on and the person I spoke to said it was okay to transfer money. and to use my account information. After I login on the website for the job on the platform website XXXX XXXX XXXX and was clicking a red button for the restaurant ranking. It completely put me at a negative number of what I added the first time I told my supposition trainer and she asked to deposit more in order to get my money back and my second transfer was of {$1900.00} and it wiped all of my money. My trainer promised me that wouldnt happen and that she had money but she lied and she keeps texting me asking if I have money. I dont reply anymore because she scammed me and lied to me! The person in the bank was a man he gave me wrong information and now theyre blaming me. I used XXXX to transfer money onto the website XXXX XXXX XXXX  were I was doing my supposedly training and the other app was crypto.com and XXXX of the app was made under my name for the bank called XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX, XXXX XXXX NY XXXX and the phone # is XXXX nobody answers the last two dates since XX/XX/year> and I tried like 3 more times last week I dont know what else to do! And they made a fake address up thats not my address with the account.
Consumer complaint received 2024-02-03
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-03
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. (CT)

I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. XXXX XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I filed for bankruptcy in XXXX of 2024. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. Equifax should know better and has done nothing to remove them when requested several times.
Consumer complaint received 2023-08-11
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. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I haven't been able to get my credit report with XXXX and Equifax for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IL)

I have made several phone calls regarding this debt from Americollect as they are the debt collection agency that has purchased the original debt from XXXX XXXX XXXX. 
I am a Medicaid patient and it unlawful to collect from a Medicaid patient an entire, partially paid or non paid bill. As a Medicaid patient this is not supposed to be on my credit nor being reported that this is a debt that I owe. My insurance carrier has advised them this is not covered due to being out of network and this was an emergent occasion.
Consumer complaint received 2024-02-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. 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.
Consumer complaint received 2024-02-03
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. (TX)

On my credit report it shows XXXX XXXX with 7 late payments. 

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.

Under 15 USC 1681 Section 604 A 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

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 2024-02-03
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. (TX)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

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.

Under 15 USC 1681 Section 604 A 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 end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately.

Below is a summary of the data in which I am challenging if all reporting history is 100 % accurate and complies with federal and state laws.

Account Name, number, account type, details, bureaus codes, monthly payments, date open, balance, no of months, high credit, credit limit, past due amounts, last reported, comments, last account activity, date of last payment from all 3 reporting agencies on these accounts listed.

Please fully comply to these accounts send me actual proof in writhing that each account listed is follow all regulations and complies with all applicable laws if not please remove all data reporting. 

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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-07-01
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. (GA)

To Whom It May Concern : Despite the precise information consumers have provided, I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX  XXXX - Account XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian refuses to update the XXXX XXXX XXXX account as CURRENT! I have said repeatedly that this account is not late! XXXX is reporting as CURRENT and never late! 

This is a violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ).
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

Subject : Appreciation for Resolving Unrecognized Charges on My Account Dear JP Morgan Chase Team, I hope this message finds you well.

I am writing to express my sincere gratitude for the exceptional support and cooperation I received from your team in resolving the unrecognized charges on my account. After speaking with several representatives and engaging with the necessary departments, I am pleased to confirm that the issue has been fully resolved. The process of disputing the unauthorized transactions has been successfully facilitated to the fullest extent of the law under 18 U.S.C. 1344. 

In particular, I would like to acknowledge the efforts of the Customer Claims Department, who provided invaluable assistance throughout this process. Your professionalism and dedication have been instrumental in achieving this resolution. 

Customer Claims Department Mail Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I would also like to extend my thanks to XXXX XXXX XXXX for their support in this matter. Your collective efforts have ensured that my concerns were addressed promptly and effectively. 

Once again, thank you for your unwavering commitment to customer satisfaction. I truly appreciate the cooperation and diligence demonstrated by your team. 

With gratitude, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX