davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (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 U.S.C. 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 


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

15 U. S.C.1681 section 604 A section 2 : States a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chex system is reported incorrect information on my credit report resulting to denied Bank account and or credit application I have froze my chex system profile and yet chex systems refuses to hoor my request reporting in accurate information and no abiding by the law the the CFPB and FTC has put forth to protect consumers from wrongfuly being denied credit and or opening g a band account
Consumer complaint received 2023-10-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I paid for an American Express Pre-paid Gift cards on or about XXXX 2021, in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of {$8.00} on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a {$75.00} Gift Card that only had {$8.00} on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE {$75.00} PREPAID CARD CAME IN WITH A {$8.00} BALANCE. AMEX claims that " The Card was used for a purchase totaling {$67.00} at XXXX # XXXX located at XXXX XXXX XXXX XXXX. '' However, this is not true! Number 1, nobody in my family and I have ever eaten at XXXX. In addition, the charge from the XXXX was already on the card BEFORE I ever received it.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have paid off my XXXX XXXX XXXX XXXX loan and being request for this item to be removed from my credit report, which they informed me that it will be removed and it still havent being removed. Please am asking for this item to be removed. 
XX/XX/2021 ACCOUNT # XXXX
Consumer complaint received 2023-10-22
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. (TN)

I have multiple inaccurate and unauthorized names and inquiries that I did not initiate or utilize on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX My only name is XXXX XXXX XXXX Everything else is unauthorized.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I see that someone has stolen my identify to open a credit card account with comenitycapital bank on XX/XX/23 without my knowledge and utilized it. I contacted the bank and made a report against this fraudulent activity and i was told they would investigate this matter.
Consumer complaint received 2023-10-22
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. (FL)

Equifax dispute department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Account # XXXX XXXX  Dear Equifax, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : 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. I believe that there may be inaccuracies in the reporting of late payments related to this account.

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report.

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame.

Please note that I am making the same dispute with XXXX, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-22
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. (MS)

Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION
Consumer complaint received 2023-08-24
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)

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 XXXX party. They in fact did not come from a XXXX 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 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Terrible customer service. I was charged an annual fee when I never authorized or used the card. I called and spoke to XXXX XXXX XXXX customer service four times over four months. Each time, they said that they would waive the {$99.00} annual fee and cancel the card ( per my request ) and never did. When I couldn't resolve with the issue with customer service, I sent emails and certified letters to the Barclay Bank CEO, XXXX XXXX and the Head of XXXX XXXX XXXX, XXXX XXXX. Both have not gotten back. 

Stay away from this card and Barclay Bank.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have paid off my XXXX XXXX XXXX XXXX loan and being request for this item to be removed from my credit report, which they informed me that it will be removed and it still havent being removed. Please am asking for this item to be removed. 
XX/XX/2021 ACCOUNT # XXXX
Consumer complaint received 2023-08-24
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. (OH)

I put a fraud alert on my credit report and creditors were still able to obtain my credit report on item I have not applied for. 

XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account Name XXXX XXXX XXXX XXXX XXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX has never corrected its records regarding misapplication of a payment that led an account to be charged-off in early XXXX. Whereas, the last payment was made on or around XXXX XX/XX/XXXX and would have prevented a charge-off, XXXX XXXX continues to furnish the last payment date of XXXX XX/XX/XXXX for the account and continues to report a charged-off status for the account result. XXXX itself paid off the account in XXXX or XXXX of XXXX to stop any future reporting, but failed to correct the payment history for the prior months. In contrast, Experian removed the false/misleading payment history for the months preceding charge-off, but left the charge-off annotations that XXXX XXXX reported until it was XXXX XXXX XX/XX/XXXX or XX/XX/XXXX. Thus, the remedies have been at best partial and the information that persists for this account/tradeline is false/misleading/inaccurate and is patently unverifiable. XXXX XXXX own records and notifications ( in attached docs ) clearly show the application of a XXXX dollar payment to the wrong account and the CO that resulted as result. In fact, any reasonable individual would recognize the account/tradeline is erroneous. Yet, despite receiving multiple disputes, Experian has never corrected this error and has relied upon the inaccurate information furnished by XXXX XXXX for the account/tradeline. Moreover, XXXX XXXX XXXX has continued to report both an incorrect last payment date and charge-off pmt history, charge-off statuses and narratives, that XXXX XXXX knows or has reasonable cause to believe the information is inaccurate. Of note is that XXXX and XXXX removed the offending account.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (OH)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clearview Resolution Services (MO)

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16665 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 2023-02-09
Product: Credit card or prepaid 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: Chime Financial Inc (NY)

I filed a dispute with Chime Bank XXXXXXXX XXXXXXXX XXXX for a charge by XXXX for a canceled purchase. Chime refuses to provide either a written record of the steps taken to investigate my dispute or any update for that matter. XXXX furnished an email proving that the refund was submitted but XXXX XXXX refuses to contact them to verify my complaint. Chime refuses to provide a provisional credit citing 23 F.C.R 1005.11 sub z.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (MD)

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.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case