davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (NY)

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 Account # 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 2022-05-05
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: EQUIFAX, INC. (IL)

I have been calling Equifax and requesting the removal of the following inquiries that I do not recognize nor authorized. And equifax has refused to delete. 



XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

On XX/XX/2023, I requested a free credit report from my.equifax.com. However, when I attempted to view the report on their website, I received a message stating " We are temporarily unable to complete this request. Please try again later. '' I called the customer support line, and the agent told me she would escalate the issue to a technical team, and that I would receive an email from them within 7-10 business days. 

I never received any communication from Equifax, and the issue on the web portal remains unresolved, so I called the support line again on XX/XX/2023. I was told that they would escalate the issue again (? ) and that I did not receive an email because the team was unable to resolve the issue. I was told that there is nothing that can be done, and that I should wait for another 7-10 business days.
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I tried to get free annual credit report via XXXX XXXX XXXXXXXX. However after several trials ( via web and phone XXXX XXXX ) and to contact customer service. There was no any success to receive either credit report or help on matter. Therefore it seems that Trans Union practices to provide required services are questionable and need further investigation by proper authorities.
Consumer complaint received 2018-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

On XX/XX/XXXX, I received an alert on my credit report of a collection from Midwest Recovery Systems and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be XXXX XXXX XXXX with the amount owed being {$610.00}. I immediately called Midwest Recovery Systems and in speaking with an associate, I was told that the account with XXXX XXXX XXXX was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, Midwest reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX  by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX  ) so that they could investigate.
Consumer complaint received 2017-09-07
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. (GA)

I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum (AZ)

I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.
Consumer complaint received 2024-03-09
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. (MI)

Date Sent : XX/XX/year> ATTENTION, NOTICE IS HERE BY GIVEN : ON, XX/XX/year> I, SUR-NAME : XXXX XXXX XXXX Given Name : XXXX XXXX delivered a AFFIDAVIT IN SUPPORT of DEFAULT Did participate as a third-party witness to your acquiescence assent Certain contractual obligations titled : DEBT VALIDATION along with supporting documentation affirming said acceptance acquiescence and assent. 

On ( XXXX ), Ive enclosed with this document ( SEE ATTACHED ) here is my certified mail # XXXX, I submitted a request to XXXX XXXX XXXX XXXX and TRANSUNION for validation of a debt reporting on my consumer report. However, despite the legal obligation imposed by the FDCPA, I have not received any response or validation of the debt within the required time frame XXXX This failure to validate the debt constitutes a breach of your obligations under the FDCPA. As such, I am issuing this formal notice of default and providing you with an opportunity to cure this breach. 
To remedy this situation, I request that XXXX XXXX XXXX Team provide validation of the debt in question within ( XXXX business days ) from the date of this notice or remove this account from my consumer report. This validation should include all relevant documentation and information pertaining to the debt, as required by the FDCPA. 
Failure to cure this default within the specified time frame may result in further action being taken to enforce my rights under the FDCPA, including seeking legal remedies available under the law. 
I trust that TRANSUNION SHALL treat this matter with the seriousness it deserves and take immediate steps to rectify the breach. Please acknowledge receipt of this notice and provide confirmation of your intentions to comply with my request for debt validation.
Consumer complaint received 2023-09-14
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. Portfolio Recovery have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from XXXX Bank and have changed and updated there connect with me. This debt was closed by XXXX Bank.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUITY LOANS LLC (MD)

I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) # XXXX, XXXX, XXXX, and XXXX have 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 2024-01-26
Product: Credit 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. (FL)

Chase is refusing to investigate and reverse XXXX charges on my credit card for which I have received NO services/goods from the so-called merchants. Chase is discriminating against me as a minority and there are a considerable number of reviews of Chase refusing to properly handle disputes for minorities online.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-09
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. (FL)

I recently submitted to all three credit bureaus to have these recent inquiries removed from my credit report due to not recognizing them or authorizing them. I have not received a response in regards to these inquiries, nor have I seen them removed.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/year> I received an email from American Express Gift Card. My cousin had gifted me {$300.00} via an american express gift card. 

Multiple attempts at this point have been made to use the gift card at XXXX ( online ), XXXX XXXX XXXX XXXX  ( in below screen shot listed as XXXX ( online ) XXXX XXXX ( in person ), XXXX XXXX  ( in person ) The card is declined each time and incurs a XXXX cent hold. 

When we call Amex they first told us XXXX is not an authorized user. Then they told us to try in person. I've since tried twice in person and when we call back they say the card is active, here is the balance and to just try again. I asked Amex alternatives and they said there is no alternative. 

I found a XXXX  thread with 95 comments regarding this same issue and the inability to use the card. Here is the thread. Someone on that thread mentioned creating a report with you all. 

XXXX XXXX XXXX? XXXX Even no as I look at the card, it is " active '' I just want the ability to utilize the {$300.00} which was meant for a baby gift.
Consumer complaint received 2018-07-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but it saddens me that no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (LA)

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXXXXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX NXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX FIRST XXXX BANK Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX FS Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXL Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX