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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent inquiries from my credit report as soon as possible.
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: EQUIFAX, INC. (GA)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (IL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately! 
I have attached an id theft report, proof of identification, proof of address, and social security card for verification.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX has reported an account on my credit report, but I have no contractual obligations with XXXX XXXX or XXXX  XXXX. Please remove this account due to no contractual obligation with these companies.
Consumer complaint received 2017-04-05
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/ 2022. For whatever reason XXXX 's systems have placed my current address to an address I have not lived at in central Florida  -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.
Consumer complaint received 2024-02-29
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. (TX)

The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I fell for a relationship scam and she used an app that I dad set up to steal {$400.00} from me. But the bank finds nothing wrong with my dispute the first time. Now the second time the bank has me under XXXX. I'm scared they will find nothing wrong again and I'll lose {$400.00} to the scammer. How do I fix this?
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a credit card and was denied ( 15 usc 1681 adverse action- i can not be denied an extension of my credit ), they gave several factors for the denial ( 15 usc 1611 willfully and knowingly giving false and inadequate information ), I spoke to several managers and they all said I didn't know what I was talking, 15 usc 1602 ( I ) my social security card is a credit card
Consumer complaint received 2023-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

onXX/XX/XXXX bank of america got a copy of my XXXX  report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine
Consumer complaint received 2023-05-16
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATE

D MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # XXXX )
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear Experian I am writing to inform you that there is information on my credit report that has resulted in identity theft. I have not provided written permissions or instructions for the identified transaction to be reported on my consumer report. Therefore, I kindly request that the reporting of this information be blocked and deleted. 

I want to emphasize that my request to block is not being made in error. Additionally, my request to block is not based on a material misrepresentation of fact by me that is relevant to blocking the identified transactions. It is important to note that the identified transactions do not pertain to any transaction made by me as the consumer. The transactions in question are as follows : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX no third party involved According to the Fair Debt Collection Practices Act ( FDCPA ), upon the consumer 's request, you are obligated to block all transactions reporting to my consumer report within 4 days from the date of receipt of this notice. I am eagerly awaiting your prompt response. 

Thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have file complaint before about updating my credit report address Yes they addendum my New address but still refuse to remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report that is not a deliverable address for me I cant not receive any USPostal mail at that address and it needs to be removed from my report I have literally asked for this over 13 times as of today
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I have an account with XXXX. I am a customer in XXXX. Had no problem until last Thursday XXXX XXXX where out of nowhere they stopped me accessing my account! No call, no email nothing. This of course has left me with a lot of stress and problems. They have my money in that account and I have no other funds! I have called and sent lots of messages to be told on every occasion the same thing.to be patient and wait to be contacted! This is easier said than done when you are a XXXX lady with no access to any money to live off. They have also stopped my scheduled bills which has caused me problems with the companies concerned. I have begged and pleaded with this company to ask them to call me so what ever the issue is can be rectified.
Consumer complaint received 2015-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WI)

I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau.
Consumer complaint received 2024-02-29
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. (PA)

I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to Experian and XXXX.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

This is regards to a filed fraud XXXX payment of XXXX $ I do not have any recollection of. This payment was made to a romell bell who I have no idea who that is. I tried to file a fraud claim with chase bank. Payment was sent in XX/XX/2023 to romell bell for {$800.00}. I then saw the payment I didnt make or was familiar with few days later and filed a claim immediately on XX/XX/2023. The bank then gave me temp credit back for the XXXX $ investigated claim and denied me and will be taking the XXXX $ back XX/XX/2023. I tried to works with them explaining my situation and still denied me and when I asked to redisoute I was denied and told I can fax or mail proof and I asked what proof can I send which is hard for a XXXX payment they said anything wont wouldnt sure my approval or help. Which is frustrating to get as Ive tried to figure out many things for proof but I dont know what would have sufficed. I tried working really hard with chase but still denied me and was met with rude service overall and got snippy with me when asking question and what I can do with the claim denial. This is horrible for a consumer like me trying to make ends meet in day to day life and if a bank cant protect me or my funds in these situations. I was denied because they show it was made via mobile chase mobile and had Face ID log in and I made sure to let them know that I had a jailbroken phone so I didnt require passwords. So a Face ID could have been easily made as my device did not at the time require passcodes and I did not make the transaction. I tried to negotiate about what I can do and all I get told was theres nothing further and claim is denied and now Im out XXXX $ I did not make to a XXXX XXXX. I even research that name and everything to see if family or friends knew of that name. Again I tried to ask who this romell bell was but they couldnt tell me or know any info on them. All i want is to have my XXXX $ back and safe and sound. I have taken further precautions and measures to not have this happen ever again as no one will have access to my device but me, I have removed my jailbreak on my phone so its no longer hacked and have secured codes on all devices and phones, as well as even chance my username and passcodes for chase and made complicated pass codes that will be hard go bypass. I even explained this with chase bank and yet there was no much more consideration or anything and I am at a loss and did not have any compromise or further consideration regarding my delicate situation. I do suffer from bad medical diagnosed XXXX and XXXX XXXX  and XXXX and this stressful fraudulent situation has not helped in the slightest and only for chase bank to make things worse and not helpful in the slightest denying my claim. So here I am trying to seek further help and try to get this claim situation and my XXXX $ protected and back to me.
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to TransUnion, but not XXXX and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. TransUnion lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. TransUnion reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2024-02-29
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. (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 2024-02-29
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. (CT)

I have sent multiple disputes to Experian about a alleged collection account on my credit report from XXXX XXXX XXXX, I have been disputing this for the past two years both with Experian and XXXX Directly. I have sent numerous certified letters to XXXX directly to validate the debt and they have not. They are in clear violation of the FCRA and FDCPA. But Experian chooses to still validate the debt as correct. If this debt was correct XXXX should have in the past two years given me the proof I have asked for, they have not. When disputed with XXXX and XXXX they removed this immediately.
Consumer complaint received 2023-02-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-16
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: Exeter Finance, LLC. (TX)

In accordance with the Fair Reporting Act, this creditor ( Exeter Finance Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX