davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (NY)

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX  both are listed on my consumer report. Each company has XXXX accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to 15 USC 1681i it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (VA)

I started shopping for mortgage rates on XX/XX/2023. 

On XX/XX/2023, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX  XX/XX/2023 Then, on XX/XX/2023, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : XXXX XXXXXXXX XXXX via CREDCO XX/XX/2023 According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

CREDCO/XXXX have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved immediately.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

My wallet was stolen and someone opened a credit card under my name. 
I have reported this to Chase but they still havent cleared up the matter. 
I have asked for a copy of the transaction and they are refusing to provide them to me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

I am requesting method of validation for all disputed accounts that are in litigation via XXXX being litigated for data breaches involving my personal information being exposed. XXXX has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. XXXX really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid XXXX XXXX price with their lives and forced labor. The effects are still evident today. This form of XXXX slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Consumer complaint received 2024-04-16
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. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-02-01
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (MI)

I was contacted via phone regarding a " bill/debt '' that XXXX claims I owe to their company. During the phone conversation I requested a debt validation letter and all that was provided to me was the first email in this string ( in attachments ). Legally, they are required to provide a validation of debt to me within 5 days of contacting me without me even having to ask for the validation of debt. 

Secondly, the information that was provided to me IS NOT a validation of debt. In order to be a validation of debt the following items needed to be present : 1 ) The name of the creditor 2 ) The amount owed 3 ) When the debt needs to be paid by 4 ) How to dispute the debt. 

I made contact with them on another date and requested a verification of debt. They provided me with a " contract '' and a " payment agreement '' ( attached ). I have carefully reviewed the items that were provided upon my second request and unfortunately, there are numerous discrepancies. Several items on the contract do not match the same items on the itemized statement that they provided. 
1 ) The payment amount.

2 ) The finance change.

3 ) The total amount owed.

4 ) The total sale price including the down payment. 

Additionally, the contract states that payments were to begin on XX/XX/2023, however, but by their itemized statement payments began on XX/XX/2023. Their contract references a credit card that the payments are to be drawn from and that account number is not one that I recognize as mine. The contract that they provided shows that it was signed XX/XX/2023 with a signature that is not mine. I do not have record of a this. 

With all of the inconsistencies regarding this alleged agreement, it is evident that it is an invalid contract/agreement. 

The contract they provided to me says XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX is the creditor and XXXX is the payment processor for the creditor. 
Here is a direct statement on the contract they provided to me : " Relationship of Parties : Buyer acknowledges and agrees that XXXX is NOT a lender but rather the payment processing service provider of " Provider '' and lists XXXX as the " Provider '' in the previous paragraph. 

In short, XXXX is merely a platform for payment. Its only the creditor who can pursue collections. The creditor is explicitly stated to be XXXX in the contract and since they no longer exist neither does the debt/obligation you are referencing. Even if they did still exist, they violated the terms of the contract which would make it null and void. 

I asked them to please cease all communication with me and note on their records that I dispute any responsibility for this debt. I also requested that if you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. 

I have not heard back from them at this time.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

My wallet was stolen and used to open a false credit card under my name. I have reported this to chase but nothing has been done and they are refusing to provide me with the transactions and charges.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I called the bank to open a merchant dispute and is impossible to speak with someone without SSN, the automated system gets crazy without that number. 

I made a purchase at XXXX XXXX on XX/XX/XXXX for an ammount of {$90000.00}. The purchase was in person at the store but the merchant didnt have the Laptop XXXX on stock at that place, so they will send it to my house and I should received no later than XX/XX/XXXX. 
The merchant never provided a tracking information, delivery confirmation or any shipment information to know the status. the merchandize never arrived to my house, I tried to contact them many times by the website without getting any answer from them. I cant go to the store in persone because I moved to another city.
Consumer complaint received 2023-09-16
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. (NE)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2024-05-04
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear TransUnion, I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

I HAD AN AUTO LEASE WITH ALLY BANK. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED ALLY BANK 4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED ALLY BANK AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM ALLY BANK CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (PA)

As per the stipulations laid out in the Fair Credit Reporting Act under 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must conduct their duties with fairness, impartiality, and utmost respect for consumers ' privacy rights. Companies like XXXX and XXXX fall under this category of consumer reporting agencies, while I, as the consumer, retain the right to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801. This statute underscores the obligation of financial institutions, including those providing information to credit agencies, to uphold customer privacy and safeguard their nonpublic personal information. 

In accordance with 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that consumer reporting agencies are only permitted to furnish a consumer report upon the written instructions of the concerned consumer. Neither the financial institution furnishing information nor the consumer reporting agencies, namely XXXX and XXXX, possess my explicit consent to disseminate such information, be it verbal, non-verbal, written, implied, or otherwise. Any purported consent previously granted to these entities is hereby revoked. 

Further legal provisions, such as 15 USC 6802 ( b ) ( c ), establish that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer with an explanation of how they can opt out of such disclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization. This includes adverse information that exceeds seven years from the date of the report, as per the law. Therefore, the inclusion of adverse information concerning this account without my consent constitutes a violation. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to ensure compliance with the statutes governing the furnishing of consumer reports. XXXX and XXXX 's failure to uphold such reasonable procedures is evident in their actions. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time, a right I am exercising now. 

Therefore, I demand that XXXX, XXXX, and any entity furnishing information to credit agencies cease their reporting services regarding my personal information immediately.
Consumer complaint received 2024-02-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

I requested a refund for {$340.00} and the refund was honored by XXXX XXXX, and the financial institution did not put the money on the card. XXXX refunded the money numerous times. XXXX sent me an email stating their position on the matter at which time I was asked to read it for one of the representatives named XXXX at Direct Express which she decided to escalate my claim by sending it to escalations department at which time she said it would take 72 hours to receive and review and then it would take another 5 days for me to get my money back on the card.so I waited for all the those days to recede and then I checked my account and there was nothing in it. So, I called the bank back again and I was told by the supervisor that escalations department rejected my claim after 4 days, I don't think my claim was ever reviewed. XXXX says that they don't have my money because it was sent back to the bank and that the bank will roll the money over to the new card. Now the bank is telling me that I need to contact XXXX and tell them to do a forced post credit and yet nobody has my money. please I really need your help with resolving this matter because I need my money back immediately. The cost of living is sky high and my XXXX year- old is always in need and he deserves whatever he wants. The bank lied about giving me a credit after I filled out the paperwork that they sent me and sent the papers back within ten days after I got them. I told the bank when I received the documents, and they didn't care they just dismissed my claim without knowing what the situation was with XXXX.
Consumer complaint received 2024-04-16
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. (NV)

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. 

The company has acknowledged the errors and has committed to updating the status to never late. Other credit bureaus have already rectified the status of the accounts after the companies acknowledged the inaccuracies.
Consumer complaint received 2023-09-16
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. (FL)

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my My XXXX XXXX XXXX, TransUnion credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



1- Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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