davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax has violated the law! Here is the law that has been violated and the accounts that are associated to the multiple violations. 

15USC 1681 2 ( i ), I am a consumer and this agency can not put this on my report.

15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Equifax is a cooperation? This is against the law for Equifax to report late payments on my consumer report. Please remove this information. 

Here are the accounts as proof Equifax has violated this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax has been made aware that they are violating this 1970 Fair Credit Reporting Act law XXXX and just sent me a new copy of my creit report where they are still violating this law.

Until this Federal Law Changes, Equifax is expected to fully comply with ALL 1970 Fair Credit Reporting Act Laws and not pick and choose witch laws to follow. The law is in black and white and must be upheld. Equifax is NOT above the LAW!

I will providing proof Equifax has been made aware of thesse violations numerous times and still continuing to violate the law by my proof in the recent credit report Equifax sent me.

I have more than enough evidence to show Equifax is still violating this 1970 Fair Credit Reporting Act Law. I demand that Equifax follow all the 1970 Fair Credit Reporting Act Laws and STOP picking and choosing what laws they will follow. This law is in black and white and ABSOLUTE!
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (GA)

I have twice requested on recorded phone lines for the EXACT ARRANGED AGREEMENT of debt collection. I do not have the date of first request, but 2nd request was XX/XX/2023. Department is nothing but hostile, denies not sending it, when they have never sent it. American Express is willfully withholding information and documents
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

I applied for the Citi XXXX XXXX XXXX offered to me in process of airfare booking process because there was an offer for a {$400.00} statement rebate if I purchased the air travel with the card. I applied and was instantly approved however I was not able to use the newly approved card to pay for the travel in the booking process because did not yet have this card account number and PIN. So I used another Citi card to complete the purchase. After receiving the new card a week later I contacted their Citi XXXX  XXXX customer service to ask about receiving the credit? I was advised that the special offer was only available if I had made the purchase with the card, which I could not do at the time I was booking the airfare as I explained. To me this was deceptive advertising. When I contacted Citi MasterCard customer service, they apologized but would do noting to correct the problem other than offering me to make additional purchases to earn the reward. I have canceled the account with Citi XXXX MasterCard.
Consumer complaint received 2023-12-21
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. (TX)

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$10000.00}, is closed and was settled, and taxes was paid via the attached 1099-C for XXXX. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerly, XXXX XXXX
Consumer complaint received 2023-08-31
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. (TX)

I have attempted to resolve this matter with these credit reporting agencies for the past five months. These fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been violated and my next steps are to take this case to federal courts for the misuse of my identity.
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MO)

I went in and looked at my account and saying that I had a late fee. That shouldn't be on there. It says that if I didn't make a payment by XXXX. Third I will be charged {$25.00}. However, I see it on there today that there is a {$25.00} charge and each month. I have had a XXXX XXXX dollar late fee on there. When I spoke to the representative XXXX. He said that it's because I had an unpaid late fee on my account. I asked when and he told me back in XXXX and then again and XXXX of XXXX. However, I told him I made those payments and even had a refund of a late payment fee that was not supposed to be charged on my account. And he said it was just the system and the way it is. And I would need to make a payment before the late payment fees due. And then everything will work itself found and I still didn't understand.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

In past XX/XX/2022 I purchase some crypto coin from XXXX from my chase acc and transferred it to a trading platform resulting in a scam who steal my money. In the letter you can read and see all the details.
Consumer complaint received 2023-04-26
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. (LA)

XXXX XXXX is the creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) Experian reports collection account past due as of XX/XX/XXXX XXXX reports collection account as of XX/XX/XXXX XXXX reports open account as XX/XX/XXXX balance XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts onsist of XXXX XXXXXXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXXXXXX opened on XX/XX/year> account number XXXX, XXXX XXXXXXXX XXXX XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XXXX ) On XXXX conducted the payments in the amount XXXX {$2.00} ) On XX/XX/year> have conducted the payments in the amount XXXX {$3.00} ) On XX/XX/year> have conducted the payments in the amount XXXX {$4.00} ) on XX/XX/year> have conducted the payments in the amount XXXX $ All XXXX payments was from Account of our company LLC TD Atlantica ( XXXX XXXX with XX/XX/XXXX To account XXXX XXXX XXXX ( XXXX ) opened with XX/XX/XXXXJP MORGAN CHASE BANK was an intermidiary bank in this chain. On XXXX XXXX XXXX XX/XX/XXXX was designated under the Exutive Order XXXX, mine payments was blocked at XXXXXX/XX/XXXXand after XX/XX/year> was retuned to JP Morgan bank. After XX/XX/year> aplied to XXXX for a license to unblocked my funds on XX/XX/year>. At XX/XX/year> we have recieved license XXXX XXXX Authorizing JP MORGAN to retuned the funds to originator at one of the payments XXXX XXXX We tried to contact JP MPORGAN via XXXX from XXXX bank informing themon the fact of issuance of the above mentionedlicense and asking them to retuned the funds tou or acccount in non -sanction bank .And send fax to JPMorgan Washington XXXX XXXX Still JP Morgan has not resposed .Thus we can not recieved our money even having the license authorizing it
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX is the creditor XXXX U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX reports collection account past due as of XX/XX/XXXX XXXX reports collection account as of XX/XX/XXXX TransUnion reports open account as XX/XX/XXXX balance XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I

n 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 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 2023-03-13
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. (TX)

I received alerts today from the three credit bureaus ( XXXX, XXXX, and Transunion ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ACIMA CREDIT, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by XXXX XXXX XXXX The inquiry was initiated without my authorization, and it has negatively impacted my XXXXredit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX My Social XXXX XXXX XXXX My Address at the Time of Inquiry : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX XXXXXXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-07
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)

My name is 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 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-09-25
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. (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 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 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 2023-04-26
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. (AZ)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-03
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)

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 NameXX/XX/XXXXAccount XXXX Account Name : XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXXXXXX 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. 

XX/XX/XXXXA 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

1. XXXX XXXX XXXX opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX  that there was a data breach and my information belonged to this data breach accident. 

3. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX XXXX  was not accepted delete this fraud account with charge-off status. 

4. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX