davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-04-15
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. (WA)

XXXX XXXX account XXXX has violated my rights. 1 5 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I submitted a police report for multiple disputes. Dispute number XXXX was denied even though my Identity and card were stolen and verified by a police report. 

This also applies to dispute XXXX And dispute number XXXX. 

All of these disputes have police reports or evidence attached. I even was willing to provide more information if requested. 

These were denied with no explanation and Chime literally did not provide a reason. These funds should be returned and I have trusted them with my money.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (HI)

Someone opened a credit card in my name and I myself did not open the account. The account was opened with JPMorgan Chase. I called them and XXXX and the closed the account and said I should report it as well which is what I am doing now.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

I bought a TV from BestBuy on XX/XX/XXXX in the amount for {$960.00}. The TV was broken when I opened it and I went to return it. They said it could not be returned because the TV was broken which makes no sense because that is why I was returning it. I would not expect it to be legal for a retailer to sell a consumer a broken TV which is exactly what they did. It was a horrible experience and the people at Bestbuy were extremely unprofessional. I opened up a dispute with Chase Credit ( Credit card because I charged the TV ). Chase took my information and told me that Best Buy has 90 days to respond. I followed up many times which can be verified through Chase as all calls are recorded for " quality control '' purposes. Finally, in XX/XX/XXXX, I received a letter from Chase stating that the dispute was denied. I called and asked why and was informed that the depute was denied because I did n't respond to a previous letter which they said they sent. I never received a letter that they are referring to I told the representative from Chase that and asked them to resend it and they said they ca n't and they closed the case. I escalated this by emailing XXXX CEO Chase Credit Card Services ( XXXX XXXX, NY XXXX ) at XXXX and called XXXX explaining this and he never contacted me. Instead I got a call from their office and they took my information and several days later told me the same thing that there is nothing they can do. This is absolute fraud that Bestbuy can sell a broken TV and even worse that a credit card would allow such a thing. Under law Consumers are protected from banks being able to commit fraud and I would like kindly ask for assistance in resolving this matter. I informed Chase that I will be canceling my Chase accounts immediately if this is n't resolved as well as changing banks as we do bank with Chase. Please note that I have been a Chase customer for many years and this is the first time that I have had any issue whatsoever and I have close to an XXXX credit score. They said my credit will be ruined if I do n't pay for the broken TV and that is not fair so this needs to be fixed please. I can be contacted at XXXX Thank you XXXX
Consumer complaint received 2023-09-20
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)

-THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally requesting an investigation into specific items on my credit report that I believe to be inaccurately reported. This account is causing both financial and emotional distress due to their derogatory nature. The details requiring removal are as follows : XXXX XXXX. This listed item is entirely incorrect and demand correction. According to my understanding of the law, I expect your thorough investigation within a thirty-day timeframe. I anticipate your prompt response. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in XXXX!
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (IL)

Ive contacted XXXXXXXX XXXX several times over a year and was told my account had a status code issue preventing a customer service agent to reissue a card. Ive been told many occasions my issue was escalated to a supervisor and I should receive a card within XXXX days or XXXX days. Ive received letters stating my card cant be issued for the supposed account status issue. The special department that handles this type of issue has yet to resolve lifting the status code issue on my account and issuing a new card that I can use. I keep getting told I have no other issues with my account which is not true. Ive tried to use my account in the actual retail store and had cashiers call XXXX XXXX Bank customer service line to obtain my account number using my ID that has ALL MY CORRECT INFORMATION on the account which still declines my transaction. Ive been unable to use my credit line since theyve had a system switch last year 2022. No one has further information other than I can make a formal complaint with the special department directly in writing which doesnt make sense when this is the same department that supposedly is working on my issue for 12 months.
Consumer complaint received 2021-10-08
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. (NC)

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 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND FUNDING IS TRYING TO COLLECT A DEBT THAT IS BEYOND THE STATUTE OF LIMITATIONS, A VIOLATION OF FCRA15 U.S.C. 1681c ( 1 ). A practice they once were sued for Bureau of Consumer Financial Protection v. Midland Funding LLC, Midland Credit Management. Case XXXX XXXX XXXX. " The company continues to violate the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures. '' THEY ARE THEY ARE INACCURATELY REPORTING THE CHARGE OFF DATE AS THE FIRST DELINQUENCY, A VIOLATION FCRA 623 ( a ) ( 5 ) ( A ) THEY HAVE REAGED THE ALLEGED DEBT, WHICH IS ILLEGAL AND A CLEAR VIOLATION OF FCRA SECTION 623 ( 5 ) ( A ).

THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS, WHEN THIS COLLECTION SHOULD BE DELETED SINCE THE FIRST DATE OF DELINQUENCY WAS XX/XX/2015 - 9 YEARS. 
THEY ARE MORPHING THE " CURRENT BALANCE '' BY {$1.00} EACH MONTH TO MALICIOUSLY TRIGGER MY CREDIT SCORING. 
THEY ARE REPORTING THE ACCOUNT TO THE CREDIT BUREAUS AS " PAST DUE '' .THEY FAILED TO PROVIDE A NOTICE OF DEBT. 

THEY NEED TO BE FULLY INVESTIGATED FOR THEIR UNSAVORY BUSINESS PRACTICES. They have violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act.
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I tried to make a purchase at a gas station for gas, got declined, checked online for balance and it showed pending gas station charge eventhough on the pad it said declined and embarrassed me in front of everyone when I tried and failed a second time. 

Called amex and they said wait a few days and itll be fine and I can use it. Checked a few days later and pending transaction was gone but I tried to use it for XXXX and it failed. Soon after that now website for amex card is saying unexpected error and wont let me check balance. 

I just want my {$25.00} at this point this is ridiculous. I dont want this giftcard I want cash in hand.
Consumer complaint received 2023-11-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-20
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.
Consumer complaint received 2023-11-14
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. (TX)

Between the dates of XX/XX/2023 - XX/XX/2023, EQUIFAX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 31 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am filing this complaint to assert my consumer rights, seeking your support in formally demanding the credit bureaus conduct a thorough reinvestigation of the contested account on my credit report. Simultaneously, I request the correction of this account during the investigative process. Despite the allocated time, my plea for the immediate correction of the following account has been ignored : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (NC)

I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX . NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to raise a formal dispute regarding pervasive inaccuracies within my credit report maintained and reported by you the credit reporting agency. These inaccuracies pertain to two significant issues : identity theft and the improper reporting of unauthorized credit inquiries. I firmly believe that these issues necessitate a thorough examination to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.