davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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: AMERICAN EXPRESS COMPANY (CT)

I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

I have requested my Lexis Nexis Full File Disclosure 6 times. LexisNexis has sent 2 mailings that contain a URL and a PIN to retrieve my report. The first did not work, I called LexisNexis to tell them and they demanded excessive information, that I already sent in. I gave LexisNexis the information and told LN that the PIN did not work. The representative at LexisNexis said she would send my full report via paper ( hard copy ) to avoid this, yet they sent a NEW URL and PIN and the new PIN does not work either. 

LexisNexis is withholding my information illegally.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (PA)

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. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.
Consumer complaint received 2023-01-22
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. (TN)

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX, equifax, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I called Capital One to advise them I was going XXXX  and would be using my credit card. They said, " It is no longer necessary to alert us to foreign travel '' but assured me the card would work anywhere in XXXX. I used the card a few times to make small purchases at the airport in XXXX and to pay for the taxi from the airport to our hotel and there was no problem. However, at the hotel, when I proceeded to pay my bill, the card was rejected. I had to pay with an alternate card with a high international transaction fee ( Capital One does not have this fee ). 

I called Capital One to try to resolve the problem, but they refused and said I would have to upload documentation, some of which I didn't have available overseas. They claimed I was using the card fraudulently even though I was using it to pay my hotel, taxi fare, and other usual expenses when on foreign travel. I was in XXXX for XXXX full weeks, and I was on the phone with them and sent whatever documents I could, and they still refused to reactivate the card. The customer service representatives were very rude, and indifferent and did not try to resolve the problem. When I asked the matter to be elevated, they refused to let me speak with a supervisor. 

After I arrived back in the United States, I sent the remaining documentation they requested. Still, after several days, the card is still not working, and they said they could close the account. That is all they have to offer. 

Blocking my account the day I arrived in XXXX caused a great deal of pain for me and my family. We've had to use expensive ATMs and alternate fee-based credit cards, and this has increased our expenses. Their refusal to remove the block on the card is beyond reason and this is why I am contacting you. 

Best regards, XXXX XXXX
Consumer complaint received 2024-03-15
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. (TN)

Following the discovery that my credit integrity has been compromised due to an unresolved unauthorized credit inquiry, despite having submitted FTC report # XXXX, I am compelled to address this issue formally. It has been brought to my attention that this inquiry remains on my credit profile, despite my direct communications with the responsible company for its removal. I had previously initiated an investigation into this inquiry on my Equifax credit report to verify its legitimacy. With the investigation now complete and my concerns validated, I strongly request the removal of this specific inquiry. For clarity, I am referring to the following entry on my Equifax credit report XXXX XXXX XXXXXX/XX/2023. Alongside this request, I am submitting a new FTC report # XXXX aimed at facilitating the removal of this inquiry. In accordance with the Fair Credit Reporting Act Section 605B ( a ), there exists a clear mandate for the removal of any entries made without my knowledge, consent, or direct authorization within a stipulated timeframe of four business days. This is subject to the conditions that my identity has been duly verified, an identity theft report has been received, the disputed information has been clearly identified by me, and I have stated unequivocally that the transactions leading to this inquiry were not authorized or initiated by me.
Consumer complaint received 2021-07-31
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. (OK)

I am a consumer and I have been trying to get this inaccurate reporting fixed since XX/XX/2021. TransUnion, and XXXX  are well aware of my disputes however they keep saying that the information is verified and accurate. Originally XXXX agreed to remove the inaccurate info but the others keep showing the alleged debt and it is causing me stress and hurting my credit. I reached out to the actual debt collector about this alleged debt and they sent me account information that proves these credit bureaus are reporting inaccurate information. Also it has been well over 120 days, they only had 30 days to confirm this information. It is inaccurate and must be removed now.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I filed a claim on my XXXX funds through bank of America for {$9600.00}, that someone has transferred money out of my account. After waiting a month Bank of America transferred the money back on the card ( after on the phone with them for over XXXX hours ), Two days after receiving the funds, the same person takes out {$5300.00} ( available amount, because i tried to withdraw the money as soon as it became available, but bank of America only allows {$2500.00} at a time ), Now my personal information is floating on the internet due to Bank of America ( because the person who took the money has called me numerous times, and has all of my information readily available ( including bank security questions which were changed couple of days prior ). 
I've now on the second claim have called and talked to the customer service and their supervisors 9 times and over 8 higher up supervisors, each one telling me how sorry they are, and that they are emailing their higher up supervisors and managers, each one with different useless information, and promises that are never fulfilled.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
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: MRS BPO, LLC (TN)

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX XXXX XXXX XXXX, and all XXXX said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This communication serves as a follow-up to my previous complaint. As a victim of fraudulent activity, I am hereby requesting the expedited removal of certain items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This statute requires the deletion of such entries no later than four business days after XX/XX/XXXX. I have previously addressed this issue in my correspondence and an FTC report, now underscored by a newly submitted FTC Report XXXX XXXX. The continued presence of these items, which remain unfamiliar to me and have been removed by other bureaus, casts doubt on their legitimacy. Listed below are the details of the items in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice, while a follow-up, is also a formal complaint. Should these items not be removed, I am prepared to initiate legal proceedings. My legal counsel is fully aware of my intentions and stands ready to pursue litigation in response to your noncompliance. I am issuing this as a renewed request for the eradication of entries linked to alleged fraudulent activity.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DATE OPEN XX/XX/2021 XXXX  {$5600.00} MIDLAND CREDIT MANAGEMENT has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. MIDLAND CREDIT MANAGEMENT has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

As of 2021 XXXX or XXXX I was receiving child tax credits for pandemic funding for Americans in need and I've been not able to log into my account online or from one of the ATMs located at the bank and I have not been able to open my account since.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-01-22
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. (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 USC 1681. 

XXXX  : # XXXX, XXXX XXXX : # XXXX, # XXXX : XXXX # XXXX XXXX XXXX XXXX : # 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 : 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 2020-06-08
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. (OK)

Trans Union credit bureau service has continued to report fraudulent information on my credit file. From XX/XX/XXXX XXXX my score decreased from XXXX to XXXX a decrease of over 47 points. as of today XXXX XXXX. They are putting my paid good accounts as closed affecting my score these accounts should be showing paid or paid as agreed.They are also saying the creditors are closing the accounts. I have never or would never close a good account that has been paid.also trans union has said that my creditors have put derogatory remarks on my credit file.therefore, affecting my score module.They have removed over 30 accounts fraudulent accounts from my file.Those fraudulent accounts affected my score for years and then they drop my score and have removed these accounts and affected my scores again. These accounts are as follows listed here and attached.They have given me no points for the removals of the fraudulent accounts.They have destroyed my credit worthiness with my creditors.16 Remarks on my credit file, 9 closed Paid accounts Department of ED , 14 closed paid accounts, 5 closed paid accounts, 2 more derogatory remarks. All these accounts have been paid in full and I have not  closed these accounts.The law suit CFPB sues XXXX  and Trans union has affected my credit file and worthiness the Dodd Frank act of 2014 and my credit will never recover from their inability to keep my credit file and information safe.This is Fraud and unfair practices of Trans Union. I want a complete investigation into this matter I have contacted the CFPB and filed over 20 complaints against Transunion, XXXX and XXXX. and these bureaus have continued in their fraudulent practices and the SCORE MODULES HAVE TO BE FIXED NOW!!!!!!
Consumer complaint received 2019-12-17
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: JPMORGAN CHASE & CO. (CA)

I opened a dispute on XX/XX/XXXX regarding a XXXX   subscription through my Chase Freedom account. I received no follow up correspondence via mail, email, or paperless correspondence. On XX/XX/2019 I received a notice that the transaction is considered valid. I called Chase, and was condescendingly told that there is nothing I could do. The supervisor told me that the transaction was valid because they "sent" me a letter on XX/XX/2019 and I did not respond. I never received a letter and I lost all claim to the dispute. There is no letter. Chase made a mistake and I'm the one facing the brunt of a $XX/XX/XXXX charge for a service I never received.
Consumer complaint received 2023-01-22
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)

XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CT)

In XX/XX/2019, my Wells Fargo Debit/ATM card reached it's expiration date. A replacement card was issued, and it would get stuck in the ATM. After several weeks of complaining a new card was issued, it also would not be returned by the atm,. A third replacement card was issued, this one being the newer style, with a flash chip and my name on the back of the card with less embossment. This card also got stuck. I tried it in another Wells Fargo branch atm and it got stuck there too. When the card is not returned the atm actually reboots. After 3 months of this I finally complained to the Branch Manager of Wells Fargo, XXXX XXXX, XXXX CT, XXXX, this past Thursday, it took 20 minutes for her to actually escalate the situation enough to generate a reference number, she originally wanted me to sign a form that they were looking into it. I can provide some dates if necessary but I'm submitting this complaint without the information readily available.
Consumer complaint received 2024-03-15
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. (IL)

You are in Direct Violation of The Fair Credit Reporting Act Equifax, XXXX and XXXX, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.