davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (IL)

On XX/XX/2023 I received an email that information had changed in my account when I attempted change my password it would not allow me. I reached out to the company to let them know that there was some fraudulent activity going on with my account. And I verified all of my information except the address that was changed. They were unwilling to help. I'm afraid that my personal information has now been distributed. Due to their lack of security.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (IN)

LVNV Funding LLC is claiming I owe a debt to them for the amount of {$8000.00}. I have requested they provide documentation where I signed and got into a contract with LVNV Funding LLC showing I owe them. They have not provided documentation requested and they have posted the collection on my credit report which has negatively impacted my credit report preventing me to be approved for a credit card and vehicle purchase which I desperately need.
Consumer complaint received 2024-04-09
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. (NJ)

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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act ; this creditor, Capital One has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also account XXXX was charged off but I never received a XXXX XXXX from Capital One. I have written Capital One in XXXX, XXXX, and XXXX regarding this transaction.
Consumer complaint received 2023-09-20
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: OPORTUN FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-09
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. 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I submitted a dispute to Equifax about a collection item listed on my credit report from XXXX XXXX XXXX XXXX for a collection account reported for {$5800.00}, which was originally reported in XX/XX/XXXX as first opened in XXXX of XXXX and first delinquent in XXXX of XXXX. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates this debt. It has been over 30 days since my dispute and request for this information.
Consumer complaint received 2023-04-20
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: Brightwater Capital, LLC (VA)

there is this account tbom retail as XXXX balance on my credit report on all 3 bears the first 12 digits of the account number is XXXX the last four I do not have I hope this helps you find the account it claims it was sent to bright water capital, LLC there phone number is XXXX there address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-09-20
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MA)

Requested security freeze XX/XX/XXXX online request not granted, no communication, called core logic several times concerning freeze no results. On XX/XX/XXXX printed freeze request from online faxed it along with copy of drivers license and utility bill ( faxed on XX/XX/XXXX ) received notice in mail of freeze not being placed as requested. Core logic is a reseller of consumer information I want that stopped on my behalf
Consumer complaint received 2023-12-12
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: ALLY FINANCIAL INC. (SC)

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This company has none of these documents or written instructions from me authorizing them to pull my report.

I did not authorize this inquiry.

The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I was a victim of identity theft and 2 accounts were opened in my name against my knowledge or consent. They were established before legal age of consent. I don't want neither account to affect me negatively and am requesting that these accounts be closed immediately with no credit impact. Please, assist and give me a call at XXXX if you should have any questions in relation to this matter. 

Thank you!
Consumer complaint received 2023-09-22
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

in 2020 i tried to buy a house. the loan officer ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with XXXX XXXX. the first two accounts were dropped because the loans were in XXXX and XXXX I contacted XXXX XXXX  and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! XXXXXXXX XXXX sold the debt to Midland Credit Management, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MSCB, Inc. (MS)

On Thursday XX/XX/2024 at XXXX XXXX, I received a phone call from XXXX with a prerecorded message asking if I was XXXX XXXX. If so, I was to press option one. I proceeded with the instructions. An additional prerecorded message asked for me to return a call to XXXX. A representative answered, placed me on hold, then returned to the line but never identified the company I called or herself. I had to ask who I was speaking with and what company she was with before receiving the information. I am speaking with an unpleasant representative named XXXX that could definitely use additional training. She did give a short version of the mini XXXX. However, I do not recall her informing me the call was recorded. I was informed she was attempting to collect a medical debt owed to XXXX XXXX for around {$2500.00}. Mind you XXXX XXXX is a part of XXXXXXXX XXXX XXXX XXXXXXXX. I then asked XXXX if she is aware it is a violation of the FDCPA to attempt to collect a debt that is included in an active bankruptcy? Instead of notating the account accordingly and ending the call, she insisted on being argumentative so the issue did not get resolved. I did make an attempt to give her the case number not once but twice. I am highly disappointed at the lack of professionalism displayed by the representative with MSCB. In turn, I will follow up with my attorney to inquire about additional actions that can be taken against this company.
Consumer complaint received 2023-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy section 604a section 2 it 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I have a zombie mortgage that I wasnt aware of until I tried to refinance my mortgage. I filed bankruptcy in XXXX as a result of the XXXX financial crisis and this mortgage was included. The lender is currently holding my title as ransom until they agree on settlement. Im not sure what the terms on the loan were. I requested a copy of the singed loan documents over 30 days ago via priority mail and I have not received any response from the lender. I have been working on trying to settle this since XX/XX/XXXX with multiple denials. This company did not appear at my 341 hearing.
Consumer complaint received 2024-02-05
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. (IA)

On XX/XX/XXXX, a fraudulent {$490.00} charge was made to my Chase Amazon Credit Card from XXXX. I have the card set up to immediately text me when any charge is placed with this card. I called the Chase Fraud number and reported the unauthorized charge minutes after the charge was made. Chase reversed the charges and issued me a new card and card number. On XX/XX/XXXX Chase sent me a letter saying I was responsible for this charge because I " received benefit from this transaction ''. On Monday XX/XX/XXXX, I called Chase again and asked for proof I benefited from this transaction. All they could tell me was the email address and physical address on the fraudulent charge matched my information. Chase could not provide me with a tracking number that showed I received items nor that any items were actually shipped to me. Chase could not provide me with any other information about how I " benefited '' from the transaction. 
The fraudulent website used is XXXX, doing a quick domain search online you can see the fraudulent site was made on XX/XX/XXXX, a mere XXXX days before my stolen credit card information was ran through it. You can also find no physical address or other information about the business. The website is a copy-paste template simply used the funnel  stolen credit card information through. The address on their return product page isn't even filled out. I have emailed the contact email provided on XXXX contact page, asking to be refunded and telling them my information was stolen, only to receive no response.

Chase said they would reopen the investigation but at this point, I have XXXX confidence in Chase 's fraud investigation team. For some reason unknown to me, this order shows up on the XXXX  app. I have attached a screenshot showing this fraudulent order was placed but never shipped. I have also tried emailing " shop '' only to not reviece any response.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (PA)

Hello, I previously contacted Zelle and XXXX about this issue multiple times through 2022, but I was never able to get a resolution. My XXXX checking and savings accounts have since been closed, yet I still am unable to access Zelle.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX