davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
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. (NY)

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  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 2023-11-25
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. (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 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 2023-11-25
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. (MO)

Ive asked XXXX to provide me proof that I extended authorization for these companies to check my credit they failed to do so Ive never authorized these companies to check my credit its a violation of my consumer rights I need these inquiries removed now
Consumer complaint received 2023-07-16
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: Experian Information Solutions Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

Consumer processed a mobile ( phone ) ticket transaction on XX/XX/, for an event believed to be with XXXX, but was instead through a boxoffice outlet/reseller who overcharged for the event. This reseller was XXXX  with a charge showing merchant as XXXX XXXX. Consumer saw the extraneous service charges added, so contacted XXXX customer support to try to cancel the transaction. This merchant would not allow cancellation and referred consumer back to the terms of the purchase. Representative was unhelpful with a XXXX  sounding accent. Tickets were transmitted through XXXX, but consumer did not accept tickets as he already tried to cancel and then submitted a dispute with American Express for the transaction. American Express investigated and concluded they would credit the amount. However, Amex later reversed this credit, letting the original charge stand. Consumer called Amex again on XX/XX/XXXX  to request re-opening this investigation and they advised that they should have an answer on this dispute back by XX/XX/.
Consumer complaint received 2024-04-17
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-29
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: Experian Information Solutions Inc. (OH)

I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

Ive disputed a total of {$11000.00} on my Chime account due to fraud and identity theft in XX/XX/2023. I still have yet to receive any documents referring to my case and proving that they have conducted an investigation into this matter. They also closed my account immediately after I discovered the fraudulent activity which is expected, however I inquired about account access to my statements and was never allowed access to my account to view any and all activity.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by Equifax Information Services LLC and XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This company seems to be a fraud scam. They offered me loan amount details and paperwork and are very pushy. The address came up as a parking garage and the website and phone number don't pull up on a XXXX search you have to manually type the url in to load. XXXX  had no record of the company and now they have all my personal, financial and credit information. Please help
Consumer complaint received 2023-11-25
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-07-16
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: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX chase bank closed all my credit cards in error on a fictitious reasons. Ive been a perfect customer, never late always paid my ballance in full etc. Ive called the chase execitve office multiple times. Spoke with the officers which supposed to upload my info and them some other big heads make a decision. Chase execute ppl make you feel that we are the small customers waiting on their mercy. Anyway Ive offered to show them my bank accounts, prove my income to show them that is many times over the credit line Chase offered me. Closing my accounts have also caused me to have some fees with the bill payments Ive had set up with my chase cards. Chase is discriminating against customers with theirs rules demanding that customer has only so many other financial service per period excluding their service. Im sure this will make for a great class action A law suit if the right customer get together. Im demanding Chase to reopen my SW rewards cretit card immediately!
Consumer complaint received 2023-11-25
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. (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  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 2024-04-17
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-16
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. (MN)

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX XXXX, account number # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. 


I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/XXXX, Experian as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 

As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (IL)

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # XXXX Has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Assistance Needed with Identity Verification and Credit File Access Dear Consumer Financial Protection Agency, I hope this letter finds you well. I am writing to bring to your attention a pressing issue regarding my access to my credit files with XXXX and Equifax. Despite multiple attempts to verify my identity as requested by both companies, I find myself continuously locked out of my credit files, which is causing significant inconvenience and distress. 

Since XX/XX/2023, I have diligently submitted the required documents including a letter stating my full name, social security number, date of birth, along with supporting documents such as my utility bills, driver 's license, and social security cardon XXXX separate occasions to each company via both their online upload portals and traditional mail services. 

Regrettably, despite my efforts, I have been informed by representatives that they are unable to locate the documents submitted. This lack of acknowledgement or confirmation from the companies is deeply concerning, especially considering the sensitive nature of the information being provided. 

Moreover, the automated phone systems implemented by these companies exacerbate the issue. When attempting to reach a human representative, the system fails to verify my identity, leading to disconnection before I can speak with a live agent. This automated process leaves me in a frustrating loop, unable to resolve my issue or seek assistance. 

Being locked out of my Equifax credit file due to unverified information further compounds the problem, hindering my ability to manage my financial affairs effectively and potentially causing harm to my creditworthiness. 

Therefore, I kindly request your intervention in this matter. I urgently need assistance in resolving the identity verification issue with XXXX and Equifax and gaining access to my credit files. Additionally, I seek guidance on how to navigate the automated phone systems to reach a human representative who can provide the necessary support. 

Your prompt attention to this matter would be greatly appreciated. I am hopeful that with your assistance, I can swiftly resolve these challenges and regain access to my credit information. 

Thank you for your time and consideration.
Consumer complaint received 2023-11-25
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. (FL)

Experian gon na get in big trouble with me Just how I file a lawsuit with XXXX I will file a lawsuit against EXPERIAN For the last time those XXXX addresses on my client report doesn't belong to him ADDRESS MUST BE DELETED AND ANY ACCOUNT CONNECTED TO THAT ADDRESS NEED TO BE DELETED AND YOU HAVE 10 DAYS to make changes WE CONTACTED BOTH XXXX  XXXX as well as EXPERIAN AND XXXX XXXX COULDNT VERIFY THE ADDRESS NOR MY CLIENT PERSONAL INFO SO EXPERIAN ONE LAST TIME TO MAKE IT RIGHT BEFORE I FILE A LAWSUIT BECAUSE THIS ACCOUNT WAS DELETED LONG TIME VIOLATIONS FCRA SECTION 624 FCRA section 603 15 usc 1641A 15 usc 1666B will sue {$2000.00} per violation
Consumer complaint received 2023-09-25
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion outsources the " free credit reports '' to " XXXX ''. They want {$1.00} upfront then automatically bill you {$29.00} ( unless cancelled within 7days ). The credit reports are NOT free. Their phone number is XXXX XXXX
Consumer complaint received 2018-11-29
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: Experian Information Solutions Inc. (OH)

I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
Consumer complaint received 2023-05-09
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. (CO)

To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : 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 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.