davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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. (FL)

XXXXXXXX XXXX Equifax Amount {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from XXXX and Equifax but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.
Consumer complaint received 2023-01-15
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXXXXXX XXXX XXXXXXXX Amount {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from XXXX and XXXX but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (TX)

I recently tried getting my 3 free credit reports online at annualcreditreport.com on ( PUT THE DATE YOU TRIED TO GET REPORTS ). I was denied the first time online and now the consumer reporting agencies are using stall tactics to not give me my report as I requested. EXPERIAN, XXXX, and XXXX are using stall tactics after have gave them enough information to send me my credit reports/scores. EXPERIAN, XXXX, and XXXX are requesting my social security number which is a violation of the [ 5 U.S.C. 552a note ] ( a ) ( 1 ) in the PRIVACY ACT of 1974.
Consumer complaint received 2022-11-11
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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. (FL)

I am a victim of identity theft. These items are not transactions conducted by me as the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

This ordeal started on XX/XX/2023. My brother sent me a check closing out the estate of my deceased father. The check was written in the amount of $ XXXX. I deposited the check into my Chase Savings account. They said there would be a two-week hold on the check due to the large amount, which I totally understand. However, my brother mistakenly wrote the check from an account which was held by him and my father jointly. Since my father was deceased, the check bounced back to my brother 's bank, XXXX. My brother then ordered new checks with his name only on them, and sent me a new check. I deposited the check and was told again by Chase there would be a hold. No problem. However when my online account said the money was available I could not access it. I called Chase to find out what was going on and they said the account was suspended due to suspected fraud because of two checks sent by the same maker for the same amount. My brother tried to the recall the check but it was too late. Chase has now closed my account and has my XXXX in " suspension '' until they can verify him through XXXX phone verification. For some reason his two phone numbers can not be verified. We have done everything. We went to the cell company and made sure the phone is registered to him. We double checked that the land line is in public records. We offered to come into a branch with all of our identification including death certificate, state ID, birth certificates, anything they need. The Chase reps say the ONLY way they can verify is through phone numbers. I have called almost every day for updates. I have gone to the local branch and spoken to the manager there. I have asked for managers, supervisors and have only been told the same thing. I'm also told by Chase that if I hire a lawyer, I forfeit my right to check on the status of my money because everything will have to go through legal. Also I don't want to pay a lawyer. I also called my congressman whose office told me they can't offer legal advice. I don't want legal advice, I want to know what the law is, how long they can do this to me, and what resources are available for me. Please help me! Thank you.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

Approximately 3 months ago I applied for and received a Chase Sapphire Preferred credit card. I have charged and payed off over {$8000.00} the past 90 days. My credit score is around XXXX to XXXX. 

Over the past 60 days I have received multiple requests to apply for a Southwest Airlines credit card through Chase Bank. In each case my card applications have been denied and the reason given by Chase was, too many requests for credit or opened accounts with us. 

Can you help? I have the means to have multiple credit cards and a track record of paying my bills.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.
Consumer complaint received 2023-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

A charge was billed twice by XXXX rental car on XX/XX/XXXX and XX/XX/2022. In XXXX I called capital one to dispute the charges. At the time they deleted the charges, just to hide the, inside the XXXX bill. No letter was received concerning this matter ( I do not have electronic content ). I called capital one again in XXXX after noticed the increased on the bill. They say XXXX was right even though they did not provided a service. Capital one requested more information and this was provided on XX/XX/XXXX. On XX/XX/XXXX capital one dismiss the case and charged the {$250.00} again, claiming the time to dispute the charge was expired. I requested talking to a supervisor and this was ignored.
Consumer complaint received 2023-01-15
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. (OR)

Experian & XXXX stated my account 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 is 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Below are the names of the original creditors, along with account numbers and a list of various violations.Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active : XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX ) Violation 3 : Payment Status : Collection ( Experian ) Payment Status : 120 Days Late ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Violation 1 : Payment Status : Collection ( Experian ) Payment Status : Collection ( XXXX ) Violation 2 : Date Last Reported : XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 3 : Date Last Active : XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX )
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WA)

We took out a loan with XXXX. They had BMO issue the loan. 

The names on the profile and the loan account are different, and we are having a hard time accessing all the information about the loan. 

I am uneasy about paying the loan amount into an account I have no access to. 

Calls with BMO : XX/XX/23 - XXXX - 1 hr 31 min XX/XX/23 - XXXX - 18 min XX/XX/23 - XXXX - 57 min XX/XX/23 - XXXX - 1 hr 13 min XX/XX/23 - XXXX - 12 min XX/XX/23 - XXXX - 14 min At one point XXXX from the Resolution Team told me that she will look into it and give me a callback. No callback was received.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX on numerous occasions submitted updates to my credit report on date XXXX XXXX report # XXXX XXXX XXXX report # XXXX and on XXXX XXXXXXXX  report # XXXX after an dispute has been filed for incorrect Information on credit report.Under 15 u.s.c 1681 B of the Fair Credit Reporting Act this is for Permissible Purpose.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX, I went to my local Chase Bank to open a First Checking account for my son. The gentleman told me I needed to open the account online, which I proceeded to do while in his office. He told me that the opening deposit had to be a transfer from my account into my sons, but that going forward my son could deposit funds at a chase location. I tried to fund the account online while at the location, but it told me there were issues and to try later, I told the gentleman, and he told me there must be an issue with their system. I tried to fund the account on Sunday, only to be unsuccessful. I called Chase and was told that I was the only one who could fund my child 's account and since there were technical difficulties all they could do was issue me a ticket number to have the issue resolved. So, because they had IT issues, there was no way for them to even make the transfer for me to fund the account. NO ONE can add funds to the account except me ONLINE. They told me it would be resolved within 48 hours. They also told me that I was incorrectly informed at the chase location and that the only way to EVER fund the account was through a transfer. FIVE days later, I still can not put funds in the First Checking for my son. I have received the debit card, but my child can't use it because of the internal issues with the account. I called and checked on my ticket today and was told it was still open and that someone should call me soon. It's pretty deceptive to advertise an account on their website that can't be funded and knowingly has internal issues.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize enquiries, neither did I authorize them and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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 : 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 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 2023-06-10
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: Experian Information Solutions Inc. (MA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-03-02
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. (FL)

I have on several occassions contacted XXXX, XXXX, and experian and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON EXPERIAN, XXXX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX 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
Consumer complaint received 2023-06-10
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-02-17
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. (NY)

In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries 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 XXXXXXXX 15 USC 1681 Section 602A : States I have the right to Privacy **15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep