davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2019-07-01
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. (SC)

I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove
Consumer complaint received 2019-07-01
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: LEXISNEXIS (NC)

I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more
Consumer complaint received 2023-10-24
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. (NC)

In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-24
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. (NC)

In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have contacted XXXX XXXX XXXX multiple times and advised them that this debt is not mine. They have insisted it is mine, refused to supply any documentation to prove it is mine and have since sold it to a collection agency Midland Credit Management. They constantly call and send me letters attempting to collect on this debt that is not mine.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I received a text from ( XXXX ) XXXX asking if I attempted a wire transfer of {$9800.00} reply yes or no. I replied no and received a call from the ( XXXX ) XXXX stating this is the Chase fraud dept. They said the account has been compromised and they need to stop the wire and create a new account number and close the current business account. I googled the number and it was confirmed that it was a Chase number. They supposedly created a new account number ( XXXX ) ordered me new checks and debit card. They created a wire transfer to credit the money back into my new account with my name on the wire.The wire of {$16000.00} went through to XXXX XXXX and then they said customer service will call me to set up the new account, username and password in a hour. After waiting an hour I called the same number back and Chase answered telling me it was fraud. They transferred me to the fraud dept and put a dispute action/recall on the wire at it was pending. I went down to my Chase branch and a claim was filed, business account was frozen, new checks and card was ordered. I filled out a " Statement of Fact '' form and faxed into the Chase claims dept. Chase sent a note on XX/XX/XXXX stating denying my claim so I called and had it opened the claim back up and I supplied more evidence that the perpetrators impersonated Chase 's phone number, hacked into the my account and used the alert text number. The second investigation was also denied and now the claim is escalated to the executive office pending review. I have never wired money or filed a claim with Chase. This should have been red flagged and sent me to the branch. Also, My Chase online account was hacked and along with the perpetrators disguising official Chase emails, text alerts and phone numbers.
Consumer complaint received 2023-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (TX)

I became a XXXXXXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX. Prior to the XXXX, I was informed by XXXX XXXX staff that I would not incur any costs ; that the recipient 's insurance would be responsible for ALL medical bills related to the procedure. 

I began receiving bills from XXXX XXXX XXXX in XX/XX/XXXX and forwarded them to my XXXX XXXX  at XXXX, per her instructions and was told it was being handled by their billing department. The bills kept coming and I kept forwarding them to XXXX. 

I received written notice in XX/XX/XXXX that XXXX XXXX XXXX submitted the bill to a debt collector, Professional Finance Company Inc., XXXX, TX. They, in turn placed a {$1000.00} collection debt on my credit report. This was also submitted to XXXX, per my instructions. Unfortunately, it was not resolved. 

I discovered this fraudulent debt of {$1000.00} on my credit bureau report in XXXX XXXX This is the ONLY negative item on my report, and it lowered my credit score. I filed a dispute with the credit bureau and was denied relief. ( I did not understand why. ) XXXX XXXX is aware of this and has tried to assist, unsuccessfully. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX XXXX. I spoke to a representative today with XXXX XXXX XXXX at XXXX and was told that they removed the debt ( XXXX  it out ) on XX/XX/XXXX ( 1 1/2 years ago! ). 

I do not understand why Professional Finance Company Inc. persists in their fraudulent collection tactics and why my Credit Bureau Dispute was denied. I need an explanation and resolution from both entities. Please help! 

XXXX XXXX XXXX  is a voluntary act in the United States. I did not expect or ever want any recognition or compensation. By the same token, I did not expect any bills related to the XXXX or being subjected to this type of harassment and the resulting negative financial impact. 

Regardless of the stress, XXXX and aggravation this has caused, I would do it again. Life is precious. Please help get this resolved. Thank you.
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 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. I demand that these accounts be permanently deleted from my credit file
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

Accounts : 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 XXXXXXXX
Consumer complaint received 2023-03-02
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below 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 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 : 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 or 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX has violated my rights. Or a 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to seek your assistance regarding a matter of identity theft that has had a significant and detrimental impact on my credit health. A credit card was fraudulently opened in my name with XXXX XXXX, leading to a charge-off amount of {$13000.00}. This incident has resulted in an unwarranted XXXX drop in my credit score, unfairly penalizing me for circumstances beyond my control. Despite my efforts to resolve this issue, including filing a police report, an identity theft report with the Federal Trade Commission ( FTC ), contacting the involved bank, and disputing the fraudulent account with the credit bureaus, my case has not been resolved. The credit bureaus have refused to conduct an investigation or remove the fraudulent account on my credit reports. This refusal to act not only exacerbates the injustice of the situation but also leaves me, the victim of identity theft, to suffer the financial consequences.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is an account appearing on my credit report under XXXX XXXX with a current balance of XXXX. This account is not mine and is appearing on my Credit Reports. 

I contacted XXXX at the address listed and provided a copy of the credit report as requested. By letter dated XX/XX/XXXX, I was informed they had concluded their investigation into my issue and was advised the account data would be removed. 

It has not been removed from my credit report as of yet. I would greatly appreciate any assistance in getting this erroneous acct information removed from my credit report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hello, I have a checking account at Chase. The account is also my direct deposit account for my salary and default account for all my credit cards payments. As of today, there are around XXXX dollars in the account. 
I didn't know my account got locked/freeze until today ( XX/XX/XXXXone of my credit card company told me my balance is past due. I went to Chase and other credit cards account and then found out all credit cards payments got returned since first week of XXXX. 

So I called Chase. Two representatives and a manager talked to me, which took me 2 hours. In conclusion, Chase told me my checking account is locked, due to an investigation. The investigation started on XX/XX/2023, and no one from Chase told me that. After over two weeks, the investigation is still ongoing and Chase can not share any details regarding the investigation and Chase doesn't know how long it still need to investigate. The only thing they are keep telling me is I need to keep wait and I can not withdraw any of my salary. 
That's XXXX dollars, and I need the money to pay my family expense and pay credit cards. I have XXXX kids at home and now I can not use my salary money. The only thing I got back from Chase is KEEP WAITING. 

Please help me, I don't understand if there is an investigation why can not they share details and let me provide feedback so they can solve this faster. And plus why I can not use my own salary money. I need the money to pay my family expenses. Please help me, I really don't know what I need to do. Please let me know if you need any more information. Thank you!!
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I used PayPal to purchase digital art from a seller in XX/XX/2022, but nearly XXXX months later the seller has still not sent the art despite the several attempts I've made to contact him. He even assured me that I would receive the art very soon at one point, but of course, that never happened. Unfortunately, too much time has passed since I made the purchase to request a refund directly through PayPal. I have already tried submitting a case there and it was outright denied.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (FL)

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

XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX  Account Numbers : XXXX. 
XXXX XXXX XXXX XXXX Account number : XXXX. 
XXXXXXXX XXXX XXXXI Account number : 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 : 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 2022-12-22
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. (TN)

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : 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. It also states a consumer reporting agency can not furnish a account without a writing 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 antedate the report for XXXXXXXX XXXX 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
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. (OH)

XXXXm submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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: ALLY FINANCIAL INC. (MD)

I am in the process of legally changing my name and I checked my credit report and noticed that there are unauthorized inquires on my report and must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, I mistakenly sent {$200.00} to the wrong person. They had the same last name as the person that was supposed to get it. I immediately logged on and tried to stop the transaction, but it was already complete. I then immediately called Wells Fargo and asked them to reverse the charges. They created an inquiry ticket and told me they would " research '' and let me know in 7-10 days. I spoke with XXXX who was kind of rude which is surprising because their customer service is ALWAYS XXXX. 

On Wednesday, XX/XX/2023 I called back to follow up and see if they could issue me a conditional credit. They said they were unable to. When asked why they said because it wasn't their fault, but there was a claim out there with the bank I sent the XXXX too, XXXX XXXX. So they had no answer for me. 

Today, Friday, XX/XX/XXXX, Day XXXX, Wells Fargo said the claim was closed. How, XXXX? 

I am in no financial position to lose {$200.00}. I need this remedied immediately. 

Thank you.