davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (MN)

The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and not my credit inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to XXXX, Equifax and XXXX XXXX. The Federal Trade Commission had opened up an investigation on XXXX, Equifax and XXXX XXXX for not deleting and removing all the fraudulent inquiries listed on my XXXX, Equifax and XXXX XXXX credit report.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently checked my credit report with Experian information services Report # XXXX. 
My information was included in a data breach with XXXX. I found an account on my report that shows me in a negative light. This account is not mine and was opened by fraud. 
Here is the account information. 
Account name : XXXX XXXX XXXX  IN Account numberXXXX I filed a report with the FTC # XXXX I also disputed with the credit bureau with no avail. 
I'm taking these formalities to get the item investigated and removed. I have attached a copy of the credit report and my identity theft report as proof.
Consumer complaint received 2022-05-23
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. (MN)

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Small Business Administration, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to XXXX, XXXX and Trans Union. The Federal Trade Commission had opened up an investigation on XXXX, XXXX and Trans Union for not deleting and removing all the fraudulent inquiries listed on my XXXX, XXXX and Trans Union credit report.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (NV)

The affiant is exercising its right of revocation under 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney used in connection with this transaction, including any derivative, hypothecation, trades, or transfers of possession, voluntary or involuntary involving each and every instrument. I was not informed of the existence of any such power of attorney and demand its complete revocation ; nunc pro tunc. As the affiant is aware, I participated in a credit sale as a result of the consumer credit transaction I got into with XXXX XXXX  XXXX XXXX, XXXX XXXX  on XX/XX/2021. 
The affiant is aware that under 15 U.S. Code 1635, the affiant is no longer accountable for any financial change. Due to the sum of {$29000.00} relating to both the Truth in Lending Act and Regulation Z, the creditor must terminate any security interest and restore any money or property.

According to Bureau standards, each consumer credit contract must have eight needed material disclosures, which must be clear and conspicuous, bolded in ten point type, and sectioned off in boxes. A mortgage contract must contain nine required material disclosures. The contract furnished by XXXX XXXX  XXXX XXXX, XXXX did not fulfill the entire requirements of material disclosures required by the Truth in Lending Act, as noted in EXHIBITS below
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Management Solutions, LLC (DC)

I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent everything certified mail as well. 

Experian is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

I inquired about XXXX internet and applied to have to services installed to my home. At the time I was living inside an apartment complex with that has duplicate address on each side. I put in the current address for my residence which was located on the east side of the complex and XXXX installed the internet services to the west side of the building complex ultimately making it inoperable for my unit. I reached out to XXXX and had a tech sent out which is who diagnosed the ultimate problem of the services at the wrong unit but also advised the technician that ultimately we would just be cancelling the services as we weren't able to use them at all the tech understood and agreed to collect the equipment. Later I see a collection on my account for {$200.00} referencing a charge from XXXX after never receiving and cancelling services.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (FL)

I opened my account with a {$10000.00} opening deposit and they have said they can't open our account until I show up in person and they will not give me my money back. The closest branch is nearly an hour away and I work full time, so that is not feasible. I have called multiple times and spent countless hours trying to get my money back. The person whose name and phone number was on the letter requesting a call has not responded to multiple calls and has not called back when messages were left.
Consumer complaint received 2019-07-29
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 got an alert of a new address tied to a closed account alert from Experian. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called EXPERIAN several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (KS)

I can not believe that I am dealing with this again. Today I received a push notification that my credit file had a change. I found a collection account in the amount of {$170.00}. I knew it sounded familiar. Soon I found out that the customer of the collection agency is XXXX XXXX. I used to have internet and cable with XXXX. When I switched to a company who actually provides the services that I pay for, my XXXX account was paid in full. In XXXX of 2021 I had the same thing happen to me. I was never notified by XXXX, nor by XXXX XXXX XXXX of a debt, yet I received a collection account on my credit files. I repeatedly attempted to deal with them to no avail. I then filed a complaint with your agency and you made them remove the collection account from my file. Now the same false debt from XXXX is on my files as a collection account with a different collection agency- Williams and Fudge I. How does this debt continue to haunt me when I owe XXXX nothing? Will you please make Williams and Fudge I remove the false collection account from my credit files? Will you please make XXXX XXXX stop harassing me? I am including my complaint and resolution from earlier this year. I thank you for defending me and I appreciate the service you have already provided to me.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX : I contacted Chase about XXXX XXXX XXXX XXXX  credit card ( current account ) which was upgraded from XXXX XXXX XXXX Credit card ( former account ) in XX/XX/2018 per email and USPS promotional materials. 

I reviewed my XXXX XXXX  loyalty account and noted that I was not receiving XXXX XXXX Credit for each {$3000.00} in purchases that I made. 

I have talked to representatives from Chase twice today and a phone message indicated that the call was being recorded ; I also spoke with representatives from XXXX XXXX. 

Both Chase representatives indicated that the " Terms and Conditions '' for my former account, Premier, contained both # XXXX  -- " Each calendar year a maximum of 15 XXXX XXXX  credits will be credited to one of your XXXX Loyalty Program accounts .... '' and # XXXX -- " You will earn 1 XXXX  XXXX credit for each {$3000.00} in Purchases. '' Both Chase representatives confirmed that the " Terms and Conditions '' fora my current account, XXXX XXXX, contains a provision similar to # XXXX but does not include a provision similar to # XXXX. 

I indicated that the elimination of a provision similar to # XXXX was not communicated to me around the XX/XX/2018 timeframe when I had several discussions with Chase representatives about the benefits of an upgrade to XXXX XXXX. Never did any of the Chase representatives indicate that I would no longer earn " XXXX XXXX  XXXX credit for each {$3000.00} in Purchases. '' The loss o this feature means that to date I have not earned some 3-4 XXXX XXXX credits, which if added to my XXXX Rewards account would aid me in accumulating enough Elite credits to enable me to reach XXXX XXXX   or XXXX XXXX status. 

Chase has been misleading in encouraging an upgrade, for an additional {$10.00}, with an ability to earn more points but eliminating the ability to earn XXXX  XXXX   credits. 

Today a Chase representative politely informed me that since it was 60 days beyond the date of the upgrade, " Chase had no ability to reverse the product change '' that was made. 

I am disappointed by this bait and switch tactic used by Chase and seemingly encouraged by XXXX.
Consumer complaint received 2019-07-30
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. (CA)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] On XX/XX/2019 Transunion received a letter from a credit consulting company I hired to dispute and update my credit report which the company incorrectly claimed that the payments reported on account XXXX XXXX XXXX  # XXXX were inaccurate although this should have been reported as incorrectly opened due to fraud. After realizing the companys error, I sent in a letter on XX/XX/2019 I disputed the following account XXXX XXXX XXXX  # XXXX as being incorrectly opened due to fraud. 
I received a Transunion letter of investigation and report # XXXX on XX/XX/XXXX, Transunion described that as a result of their investigation results the account was DELETED from my credit report. Subsequently in a letter dated XX/XX/2019, I received a letter that Transunion contacted the creditor and determined that the file has been verified and therefore re-inserted to my credit report.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-05-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/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 my written instructions Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-02-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (IN)

According to the information I was able to obtain, sometime around XX/XX/year> someone called KeyBank Customer Service apparently pretending to be me and requested for a new address to be put on my card and then for a new card to be expedited to that new address, which a KeyBank employee obliged apparently against KeyBank policy. 

That person then took the fraudulent card and used it to withdraw {$560.00} worth of Unemployment Benefits from my account via an ATM transaction in XXXX Tennessee while my real card was in my wallet and I was in Indiana. 

When I discovered the fraud I contacted KeyBank ... and KeyBank gave me the runaround, made me submit all kinds of documents, jump thru hoops, and still refused to return my money, likely because they were aware that one of their employees was complicit, a fact revealed to me by one of KeyBank 's telephone representatives. 

At any rate, KeyBank refused to return my money. 
I filed a complaint with the Indiana Attorney General 's Office, but they wanted some documents I didn't have because most of my communication with KeyBank had been via telephone. So, my complaint was never executed upon or investigated. I do still have some documents as well as several pages of handwritten notes I took down while on the phone with different KeyBank representatives. 

Notably, the local KeyBank branch told me that there is nothing they could do with Unemployment benefits cards ... that it all had to be dealt with by phone or e-mail!! The Indiana Department of Workforce Development was no help in recovering my stolen money either. 

As far as I'm concerned, KeyBank stole {$560.00} from me and never paid me back and they still owe me that money.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
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. (KY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.