davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (DE)

PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. 

Account : XXXX, XXXX Thanks, XXXX
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (GA)

ACTIONS BY ME : XXXX was notified by email and alert from XXXX- ( A new account was opened ) from UPLIFT , Inc. Opened XX/XX/23, Amount XXXX XXXXXXXX pulled my XXXX report and filed a dispute XXXX UPLIFT , Inc advising ID Theft XXXX 
XXXX-I placed a FREEZE on my XXXX credit report. 
XXXX UPLIFT , Inc spoke with Customer XXXX advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with UPLIFT. I verified my personal information with them. 
XXXX made follow up call with UPLIFT, Inc- no one would give me any information. 
XXXX-Received email from UPLIFT, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. 
XXXX I called XXXX to informed that I was having a difficult time with Uplift , Inc that I asked to speak with XXXX or someone in the XXXX Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. 
XXXX Called UPLIFT for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. 
XXXX-Received response from disputeXXXX Uplift , Inc reports that this account belongs to me. 

Uplift , Inc is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. 
I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all XXXX credit reporting agencies. 
Please help me, I am a victim of ID Theft, I did not apply for credit with UPLIFT , Inc. I have already notified the XXXX of UPLIFT , Inc of their bad practice. 
The burden of proof is now on UPLIFT , Inc to show that I signed an UPLIFT , Inc credit application, address, and phone # used, or if done online, there should be an XXXX tracking where the application was originated.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!
Consumer complaint received 2023-08-19
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$25000.00} XXXX CARD XXXX Balance : {$2000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE
Consumer complaint received 2023-10-05
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)

You breached U.S. Code Section 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by providing reports together with credit or insurance transactions that the consumer did not conduct.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( 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 ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) No consumer reporting agency is allowed to create a consumer report that includes any of the following information, with the exception of records of criminal convictions that prior to the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency. Additionally, they don't even adhere to Metro 2 credit reporting regulations. I have proof to support my claims!
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IA)

I booked a trip to XXXX XXXX with Chase Travel, I had to cancel the flight and recieved flight credits to XXXX and XXXX. They are making it impossible to use the credits. I have called three times trying to use them and get sent around and provided no resolution as they basically wait me out so I can't use it. This is essentially stealing {$1800.00} from me. I should be able to book a flight with them in a timely manner but they are making it impossible.
Consumer complaint received 2023-10-05
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. (MD)

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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

in according 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 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-10-05
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. (GA)

I am a victim of the Equifax data breach. I have been harmed in various ways and have been fighting to remove multiple collections, inquiries and accounts that are not mine. Recently I had a fraudulent account added to my credit report which I had come back verified from ethe company " XXXX '' that this was a fraudulent account. XXXX has removed the account and alleged debt from my XXXX report, as well as, erased the debt. Yesterday XX/XX/2023 I submitted a dispute to Equifax letting them know I have been effected by their security breach and that the XXXX account was not mine and needed to be removed. Today XX/XX/2023 I was told by Equifax that the " looked into the account and it came back verified ''. This lets me know my information is NOT being protected and they failed to do their GRAVE duty of actually looking into this account and making sure my report reflects " maximum accuracy ''. I would think that after I have already suffered harm because of this data breach they would be more careful to be sure I didnt suffer additional harm, yet that clearly DID NOT. this is abusive practices and it is unacceptable. If I asked for you to investigate something on MY credit report, that effect mine and my children 's livelihood, that's what I expect to happen and you have WILLFULLY not done that
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is 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 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-04-06
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I have 5 missed Payments it was open XX/XX/XXXX, XXXX  XXXX XXXX I have 1 missed payment on XX/XX/XXXX open XX/XX/XXXX and XXXX XXXX MI XXXX XXXX I have 1 missed payment on XX/XX/XXXX & I owed {$1100.00} open on XX/XX/XXXX. They are not the Original Owners 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 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. 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/2023, I got a call from Radius Global. They called to collect a debt that my husband owed before we got married. I am not liable for any debts from before our marriage, which was last week. This debt was two years ago.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please 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 2018-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Greetings, I have tried to fix this issue now twice with my bank and they had credited my account and now they reverse the charges telling me that they dont see any errors or that they dont see that the account was closed with XXXX XXXX XXXX  credit card which is the same bank I also had a complaint against for fraud. 
Basically, XXXX XXXX is not protecting their consumers because I told them that I had already filed a report against XXXX XXXX and they should not have taken my money and that is one reason why I have my bills pay directly with another banking institution because with XXXX XXXX it always a drama and injustice to get your case resolved.
Consumer complaint received 2023-10-05
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. (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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-12-09
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. (CA)

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (FL)

On XX/XX/23 I received a letter from Loancare LLC that my mortgage loan was transferring to XXXX XXXX on XX/XX/23. On XX/XX/23 I called Loancare and asked if I could make payment for XXXX in the amount of {$1000.00} and the phone rep said yes. I made a billpay from my XXXX XXXX checking to Loancare for {$1000.00}. The payment never posted on the Loancare website and my Loan was transferred to XXXX on XX/XX/23. As I write this today on XX/XX/23 my XXXX payment of {$1000.00} has not been applied to new XXXX website and XXXX website says I owe XXXX payment of {$1000.00}. 
XXXX XXXX XXXX XXXX pay has verified that I made the payment of {$1000.00} to Loancare. Loancare sent me email saying they paid {$1000.00} to XXXX on XX/XX/23. XXXX says they have not received payment from Loancare to my new XXXX account. 

I have spent countless hours gathering proof that I have made this payment correctly. Stealing {$1000.00} is a felony and if this payment is not applied I will be receive fees and my great credit rating will be destroyed. 

I have proof from XXXX XXXX that I made my XXXX payment to Loancare XXXX. 

Please help me. I have never missed a loan payment.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am trying to find out why Chase is holding my funds past the law that is provided by the government on check deposits. They repeatedly tell me they can hold it for 7 business days because they feel like it. It has now been 10 days ( 6 business days ) and still they will not give me access to my funds.