davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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: JPMORGAN CHASE & CO. (MN)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. JMPCB CARD SERVICES : Inquiry : XX/XX/2023. XXXX : XX/XX/2023. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the presence of an incorrect address on my credit report. The address in question is XXXX XXXX XXXX, XXXX, GA XXXX. I have never lived at this address, nor have I been associated with it in any way. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate or incomplete information from my credit report. This incorrect address can lead to confusion and potential damage to my creditworthiness, as it does not accurately reflect my actual residence history. 

Therefore, I respectfully request that you promptly investigate this matter and remove the incorrect address from my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2023-06-06
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. (TX)

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus TransUnion, and XXXX who are allowing XXXX XXXX  to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Consumer complaint received 2023-08-27
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. (OH)

I mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX XXXX Card ( " XXXX '' ) is still communicating false and inaccurate information to Experian with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and XXXX failed to provide me with it. I am aware that I am in fact the original creditor. 

I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. 

I mailed out my written requests on XX/XX/XXXX and XXXX received my communication on XX/XX/XXXX, XXXX pm as evidenced by XXXX XXXX.
Consumer complaint received 2024-06-29
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. (NC)

I sent you a letter several times, asking for you to investigate the information reporting on these accounts and I received a response from you stating that the accounts were verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the accounts be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I am so upset that Equifax added inaccurate information to my consumer report such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate information and must be deleted as soon as possible within ( 5 ) days.

Title 15-COMMERCE AND TRADE see attachments.
Consumer complaint received 2024-05-04
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. (FL)

In XXXX XXXX XXXX  my credit was ran multiple times and I went in the dealership with a credit and specifically said do not run my credit. But they ran my credit XXXX different times.I went to them explaining what I was seeing on my credit report. And they sent a first that was very vague about the removal of these inquires. So I went and had another letter sent with the details of the inquires that the dealership put on my credit.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AR)

I used the Truist mobile app to deposit a XXXX check for {$8000.00}. 
They told me it was not processed so I took the check to another bank to deposit it then they took it back. 
By what I can gather now, it was sent to the Truist fraud department and my account was closed. 
After months, they told me it was a name discrepancy as my name on the account was, I think, XXXX XXXX XXXX. I signed the XXXX check XXXX XXXX which is on the check. 
They said it was fraud and never gave it back to XXXX to me. 
This was XXXX. 
I have tried since then to get it back. 
No one at the bank or XXXX will help. 
Im XXXX and need my money Thank you.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I accepted a no interest offer from the company ( USAA Federal Savings Bank, Credit Card Services ). The statement does not list items for interest bearing amounts vs interest free amounts. 

Phone 1 : XXXX? I called the company to identify the amount I had to pay to not get charged interest ( the purchasing amounts ) and the discrepancy I was not seeing on the statement. I was told the purchase amounts was applied as the same interest free as the transfer balance. 

Phone 2 : XXXX? I called the company when I saw an interest amount charged. 

Phone 3 : XXXX? I called the company when I saw an interest amount charged. I asked them to notate the XXXX XXXX and requested why the interest was charged.

For the next payment, I paid the balance on all purchases plus additional money to see if there would still be an interest charge. This statement came in today and there was an interest charge.

I do not thing they are applying the payment correctly as I understand the mandated parts of the XXXX  and XXXX XXXX.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Store credit 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: Atlanticus Services Corporation (FL)

In XX/XX/2022, I made a purchase using my Fortiva account on XXXX for approximately {$750.00}. At the time of this purchase, my balance was {$640.00}. I returned the merchandise a few months later for a full credit ( which should bring my balance back to {$640.00} ). A year later, my balance is {$960.00}. After I returned the merchandise, they never credited by account and I continued making monthly payments to them, paying interest on {$750.00} I called and asked why and they said it was a known issue that returns were being rejected by Fortiva and XXXX was having to issue refund checks to make clients whole. I received a check for {$590.00}, not what i was expecting to receive because it should have been for {$750.00}. Why was I not refunded in full? I never got refunded for interest charges, late fees, etc regarding the {$750.00}. I want a full investigation launched into why I still owe nearly {$1000.00} after nearly a year. I realize that I received a refund check but it was not for the full amount and I was making $ XXXX payments a month from the time i returned the merchandise until I realized this error. Please help!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-10-20
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)

in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

your 360 saving account {$250.00} bonus promotion is deceptive in that you do not allow a bank deposit to be a deposit but rather a transfer not considered - a common person would not know the difference between a deposit versus a transfer.
Consumer complaint received 2024-05-04
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. (VA)

9. Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX NumberAccount number XXXX XXXX XXXX XXXX XXXX number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-06-23
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. (TX)

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 : # DEPT OF EDXXXX Account number XXXX Account name : DEPT OF EDXXXX  Account number : XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name DEPT OF EDXXXX Account number XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

I received a solicitation from Citibank to open a Checking Account with a special offer to receive XXXX American Airlines AAdvantage with 30 calendar days of completion of certain " Required Activities. '' I opened the account on XX/XX/2023 and it has been over 30 calendar days since I have completed the Required Activities ( as confirmed to by over the telephone by a Citibank customer service representative ) but have not yet received my XXXX points. I have called Citibank customer service line multiple times and they opened an investigation. However, they concluded their investigation and sent me a letter stating that I would receive the bonus within 90 calendar days. This is directly contradictory to their written offer - an excerpt I have copied and pasted below : " Your American Airlines AAdvantage Bonus Miles will be credited to your open, eligible AAdvantage account within 30 calendar days from the date you complete Required Activities. '' Here is a link to their offer : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX I also have the emails they sent me with the same language which I have attached.
Consumer complaint received 2024-05-04
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. (IN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-09
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-11-11
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. (IL)

After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.
Consumer complaint received 2023-10-20
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting and 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 report agency Can not furnish a Account without my written instructions
Consumer complaint received 2024-07-15
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. (PA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.