davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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)

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 XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (IL)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must XXXX removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Consumer complaint received 2024-05-16
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. (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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXXXXXX 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 Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXXXXXX XXXX Late Payment
Consumer complaint received 2024-06-07
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. (MT)

This report is for my Citibank-Citi XXXX Credit card XXXX On XX/XX/year> I had XXXX fraudulent charges on my account for a total of {$740.00} to a company I have never heard of across the country called " XXXX XXXX ''. 
When I noticed the charges I immediately called the fraud department to report it. They sent me a letter on XXXX saying that they are looking into the fraud. When I got my statement the next month on XXXX the charges were taken off of my card and I though the issue was resolved. 
The very next day after that months statement on XXXX they added two out of the three fraud charges back onto my card charging me {$490.00}. I called them again to dispute the charges and spent a lot of time on the phone until they said they would look into it. 
Then on XXXX they added a letter to my account stating that they confirmed that one of the charges is staying on my account but the other two charges made at the same time were fraud. Also at that time there were still the two charges on my account. Then finally on XXXX they took only one charge of {$190.00} of of my account still charging me {$290.00} for now only one out of the three original charges. 
My next statement on XXXX still had a the charge of {$290.00} not taken off. After that I called them again to dispute the charges. They once again gave me the run around and finally said they were going to look into it. I repeatedly asked the fraud department to send me an email or something that states they are looking into it but my request was constantly denied and they said I will get a letter if anything changes. 
When my XXXX statement came the fraud charge was still on my card and it has been about 5 months since I first reported the fraud to them and nothing is happening. So now I am filing this report to hopefully get help and remove this fraudulent charge. 
On the letter that they sent me on XXXX they stated that the {$290.00} is not going to be refunded and had an attachment that they say they got from the company proving I made the charge. That proof was a receipt with my name and email, but the email is one I have never seen and is not the email account used with this credit card. Also it was just a piece of paper and did not have my signature or or any other info. So it seems really shady that I had 3 charges all at the same time and they determined only two out of the three were fraudulent. Currently I still have a fraudulent charge on my credit card from XXXX of {$290.00} and on top of that I am also being charged extra interest every month because that charge is still there. 
There website also clearly states that their customers will not be held liable for unauthorized charges and are protected. That is clearly not true.
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

I was in the process of refinancing my home in XXXX, where I've lived for over XXXX  years, and my mortgage company told me that my credit score was too low, When I got a copy of my credit report, there was a {$40000.00} charged to my report for an apartment rental outside of XXXX XXXX XXXX 

When I got a copy of the lease, there was no signature of mine on the document but my name XXXX XXXX typed as a reference. I've never been to this part of the country and I'm not responsible for the debt. 

I do have a family emergency and removing this charge ASAP will allow me to take care of my family in this critical time.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (MD)

XXXX XXXX and its my first time applying for an apartment. I got my credit report back from the apartment leasing office and its showing I have XXXX affirm accounts which some are already at collections. Ive never used affirm, never had an account with affirm and didnt know what affirm is until now. I wanted to dispute all the negative affirm accounts on my credit report so I dont have bad credit. I have already called XXXX and started the process with them to dispute all this. I called affirm and theyre doing whatever they can to dispute and help this situation.
Consumer complaint received 2024-09-12
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. (NJ)

Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computational or accounting error made by the creditor on a statement. Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under 15 USC 1681n ( civil liability ).
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I went on XXXX market and saw that a house was on Rent at XXXX IL I sent a message to XXXX the person that placed the house for rent to request information. 

I went and looked at property and saw pictures of the house with XXXX XXXX at XXXX XXXX XXXX He said that the application fee was XXXX and he ran my credit On XX/XX/XXXX I sent him the XXXX dollars to check my credit by XXXX to XXXX the XXXX is attached to XXXX XXXX XXXX XXXX Contacted me the next day and stated that my credit was good and that to hold the house for rent they needed a deposit of XXXX of XXXX for the deposit On XXXX XXXX XXXX I sent the remainder XXXX of the deposit to XXXX XXXX the attorney XXXX XXXX XXXX at XXXX On XXXX XXXX XXXX I sent the XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX 



XXXX XXXX then claimed that XXXX XXXX XXXX never received the XXXX I resent the XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX When I looked at the XXXX it showed XXXX exclamation Mark that stated paymrnt requieres additional information This is when I started to get worried I reached out to the landlord claiming that he had not received the funds I contacted chase customer service.. and they confirmed that all funds were transfered. Successfully That's when I started to be concerned.. I contacted The Landlord stated thatvhe never received it.. I advised tha I wanted my money back and that I was not going to send any more money... 

Also advised that I was heading to the property I then called XXXX on XXXX XXXX and the XXXX XXXX XXXX office was sent to the property. 

Spoked with XXXX XXXX XXXX and Case was filed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX The looked at the house and was advised that the house was occupied and that it was not for XXXX 

XXXX XXXX XXXX ' XXXX XXXX advised to contact chase and reported as Fraud/scam and that chase will be able to help me I contacted Chase. Customer service I was advised that a diifent department would need to help me but that they were closed. 

However that by me having submitted a plice report the bank will be able to help me However I was declined by Chase dispute department I Contacted XXXX directly at XXXX. And they advised If you use XXXX through your bank or credit union, you should also report the transaction directly to them. You can also contact your bank 's customer support team if you use XXXX through your mobile banking app. 
File a fraud claim : You can file a fraud claim with your financial institution under Regulation E.

Yet Chase refused to assist I was scamed/ frauded XXXX I have filed a report at the XXXX XXXX XXXX XXXX XXXX The Federal Trade Commision Your report has been submitted to the Federal Trade Commission .

Report Number : XXXX And the illinois states attorneys office
Consumer complaint received 2023-11-07
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (AZ)

I have been trying to get chime bank to update my payment history since XXXX, supposedly they report monthly to the credit bureaus, however I havent had an update since XXXX, I have called chime several times m, Ive emailed them, Ive chatted, and they always say they will Fix it and they dont. So finally I submitted a dispute with XXXX requesting the information be corrected and updated and even provided my credit statements for the months that were missing ( XXXX, XXXX, XXXX, XXXX ) and XXXX came back saying that everything was being reported correctly and denied my claim. I also received an email stating this. Which is in direct contradiction to what they had told me weeks previous when I spoke to them about fixing the lack of reporting. I spoke with them again today ( XXXX ) and they informed me a specialist would Reach out within 24 hours to address the issue. Which they have said every time Ive spoken with them and still havent actually gotten a response from anyone. At this point its absolutely ridiculous and its negatively affecting my credit report as its showing a high balance where there isnt one.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-07
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: U.S. BANCORP (IL)

I am from XXXXXXXX XXXX. I am currently in the XXXX XXXX. I received an email that there is a hard inquiry from XXXX XXXX, made on XX/XX/year>, on my XXXX credit report. I have not applied for any credit cards while here in XXXX XXXX XXXX I want this hard inquiry pulled. I want a fraud alert placed on my report. I do not want any credit card issued in my name.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

I am an existing Comenity Capital Bank credit card holder. I applied for a credit limit increase in XX/XX/year>2024 not being made aware that the request would result in a HARD PULL on my credit file. There was no additional step to consent to a hard pull, nor was there any fine print suggesting a hard pull on my credit would be made. In fact, in the recent past, online credit limit increase requests for Comenity cards were always SOFT PULLS. Again, I did not check an additional box consenting to a hard pull on my credit file, and no such box offering consent is present on the Credit Limit increase page. I want this inquiry removed from my XXXX credit report.
Consumer complaint received 2024-09-12
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
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 2024-09-12
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems lnc placed two negative collection accounts on my credit report. One account for {$1000.00} and another for {$1000.00}. I gave my apartment manager a 60 day notice I was moving out because I bought a house. I asked them to validate the debt, I received no response. I would like both negative collections removed from my XXXX, XXXX and XXXX credit reports immediately. Thanks for all you do.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

My federal non private student loans were discharged via XXXXXXXX XXXX XXXX  and borrower defense application. I filled out the navient documentation for my private loans and they will not even review the application because I have a refinanced/consolidated loan.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MI)

On XX/XX/2024, I received an alert regarding a hard inquiry in the XXXX XXXX, i logged in and learnt it was from XXXX XXXX  with this information XXXX XXXX  Inquiry : XXXX. XXXX, 2024 Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX. 
I tried contacting that bank with that phone number, but none of their departments were able to confirm who made that inquiry or if that inquiry was even made. They kept transferring me in circles including fraud department, mortgage, credit card, new accounts, etc but no luck. 

After that I tried contacting the XXXX credit bureau, to dispute it, which required a letter from the institution ( which I was not able to get ) or police complaint. 

At this point, I need help identifying who made this inquiry on my behalf and removing this from my credit report please. 

Please let me know if you may need any additional information.
Consumer complaint received 2024-05-16
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. (GA)

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.