davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 an account without my written instructions. 

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-04-19
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (OH)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-05
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. (CA)

I was looking over my credit report there was some of these inquires on XXXX, Experian and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.
Consumer complaint received 2023-12-04
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: JPMORGAN CHASE & CO. (NV)

On sept 10-12, 2023 i noticed a fraud charges on my credit card - XX/XX/XXXX XXXX  for {$1200.00} XXXX XXXX XXXX for {$1000.00} Chase credited me back for both charges, however on XX/XX/29 i noticed the XXXX charge for {$1000.00} back on my card. 
Chase says XXXX saw the online order had my home address listed so they recharged my card. 

ive never made any purchase at XXXX and do not know how to get this resolved. Chase is unwilling to dispute the fraud charge. 
when i call XXXX they ask me for order number or they can not help me which i do not have because i did not place the order. 

attached is my statement from XXXX that has the fraud charge and credit, and also attached is my statement from XXXX that has the XXXX recharge.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (FL)

I have a milestone credit card. I did not remove the auto pay and link to my bank and it kept popping off my account. They accused me of removing it. I did not. I got a late situation XX/XX/2023 and a manager helped me waive charges, pay a huge fee to fix and get a head and confront the auto pay situation etc. She was going to reverse and fix the late reporting etc to credit bureaus on recorded line. I feel she lied to me that this was not done.. I reported XX/XX/2023 to complain.. just now XXXX XXXX at XXXX and XXXX  only apologized for them dropping the ball and said investigation still under way. I said I am not trying to sue you but I will report you if you dont fix this and do have access to lawyers as this is lying about me and incorrect reporting as it was to be fixed .. nothing bad showing up on either credit for ever due to some glitch ... I want all bad stuff aobut me these 2 credit cards reversed asap .. as I am trying to buy a house in this horrible housing market. This will really hurt me,, have reported to XXXX XXXX to fix all the bureaus to no avail .. getting with you and soon fca and having lawyers send a letter soon
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
SPACE COAST CREDIT UNI Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2023-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Services based out of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX put a collection note on my credit file with XXXX credit bureaus. I tried contacting this company through phone and email and did not get any response. Eventually, I spoke to a representative more than XXXX business days ago and asked for debt validation, also, informed them that i am victim of identity theft and asked them to send me the details in a personal email so that I can forward them Identity Theft reports lodged with FTC and local police. I have not received a response and even though I leave voice mails, I do not recieve call backs.
Consumer complaint received 2024-04-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXXXXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Consumer complaint received 2023-08-29
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX and XXXX XXXX  XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I was sent a Chime Debit card and have no knowledge of opening an account with them. Looking up similar cases have been found to be either someone using stolen identity or the company using it as an advertisement bait to open an account. People have said they require your personal details and last four of SSN to apparently close the account but I am hesitant. Other people said to file a report on this site.
Consumer complaint received 2024-04-19
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 am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my many attempts to follow up on the matter. Despite providing ample evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a significant threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to address the removal of the fraudulent items from my record. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-12-21
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. (GA)

XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX Balance = 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (SC)

Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. 
This is the List of companies that did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCE XXXX XXXX XXXX XXXX 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 2023-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been asking Bank of America to apply the refund that I got from the Vendor ( XXXX ) because of a canceled transaction. The cas been dragging on ever since XX/XX/2023, and no refund has been applied. I reached out to the Vendor ( XXXX ) who provided me with paperwork, and I sent it to the Bank, but they keep closing the case. The Vendor can no longer refund me as the money sits at the Bank ; however, the Bank refuses to apply for the refund to my account.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (PA)

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 2023-08-29
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. (CA)

In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. Experian has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!