davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
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)

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX-XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX-1076  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX-XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX - XXXX  XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX, XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc. (CA)

My complaint is against Porsche financial services account # : ********XXXX, date open : XXXX, account closed and paid. Back on theXX/XX/XXXX, I sent to the mentioned company a letter to investigate the mentioned account because the bank account from XXXX XXXX, assigned to make payments to Porsche the fraudulent activity therefore my Porsche account incur to 2 late  payments XXXX and XX/XX/XXXX ( time we had fraud incident ), since the fraudulent account assign to make payments was frozen. Checking my reports, I notice that that Porsche a company that I personally appreciate making business with them, didnt even took the decency to mark my account as disputed after they received my dispute notice, they didnt investigate my account required by the Fair Credit Reporting Act, they totally disregarded my complete information sent to them to at least make an investigation. This is negligence, unfair business practice, never received a late payment insertion by mail and once I seat down with my lawyers Ill have half a dozen more violations. I dont want to take this case to court, but if I dont receive a deletion letter from the mentioned company, indicating to remove all negative marks, I will take this case to be decided by a judge. This is my last resource to get Porsches attention regarding my issue. I have a {$800000.00} mortgage pending because this negligence. Im attaching letter sent to company to investigate account, letter provided by bookkeeping company stating the fraud issue, Im attaching a XXXX account bank that indicates I had more than enough money to make the payment when the incident occurred ( all of this was initially sent to them ) and Im also attaching the proof of fax received by Porsche. Thank you!
Consumer complaint received 2019-10-03
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: AMERICAN EXPRESS COMPANY (CA)

I have been an American Express customer for over 20 years. I have spent millions of dollars both personally and for business across many cards over those years. I currently have three cards with AMEX. Two personal and one business. Three weeks ago I received a message that charging was suspended and all three cards. I have tried to call them 10+ times and the only answer I get back is that it is under investigation. I have NEVER missed a payment and I have paid my balance off 100 % of the time. I have a XXXX balance currently. Nothing makes sense and they won't allow me to use my cards. This is causing an extreme amount of hardship to not have access to my credit cards. I have contacted the office of the president of AMEX with no luck either.
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

XXXX  has sold my acct to multiple collections companies and they are all trying to collect different amounts. I've already paid my balance. On XX/XX/XXXX XXXX  reported to XXXX XXXX XXXX for {$520.00}. I paid this amount even though I believe it was an error and I think the cable company charged me for equipment i returned. I paid {$520.00} on XX/XX/XXXX, ref # XXXX. I can attached bank statement. This was under my legal name of XXXX XXXX. Then on XX/XX/XXXX the CPA billed me for {$420.00} under the name XXXX XXXX for a XXXX  acct. It's not possible to have two cable accts for the same address i disputed it. Now another collection called IC System is billing me for the {$420.00} again. XXXX XXXX XXXX also reported the {$420.00} on XX/XX/XXXX and I believe I also paid this acct in error since i was in the process of buying a home.
Consumer complaint received 2019-04-06
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: REGIONS FINANCIAL CORPORATION (LA)

In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (HI)

A company by the name of DRS has been texting and calling my mother and my sister on their own personal phones, and have also called my employer and I am not allowed phone calls at my job. The text they send my mother and sister is : Important Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX  XXXX XXXX : XXXX & XXXX. When they call and my sister & mother answer and clearly tell them that the number theyre calling is not mine and has NEVER been my number they quickly hang up and call back the next day. The most recent date of contact for my mother and sister was today XX/XX/2019 and the first date of contact was in XX/XX/2019. I called them personally back in XX/XX/2019 and told them to stop calling me at my job as I was not allowed to receive phone calls. They did eventually stop so I believe. But now theyve moved onto contacting and harassing my family members. They said threading things like they were going to send police officers to their house to arrest them for not telling me them my exact where about so they could have me arrested. And my neighbor said she saw what looked like oddly dressed police officers at my door and when I called the local and state police department they have no record of anything and swore to me no officers were ever sent out to my house, not that day not EVER. So now Im extremely concerned for the safety of myself and my family members most of whom live thousands of miles away from me. I dont even know who this company is claiming to be collecting for and they call from a VOIP number so there is no way of betting any information on them. I have 2 recorded phone numbers that they call from, which I was able to reach them on by calling one of them back.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My current servicer, XXXX XXXX XXXX, has a charge on my monthly mortgage statement of {$1800.00}. They can not provide me with an explanation for the charge and only state that the amount has been transferred to them from Mr. Cooper. I would like an explanation of the {$1800.00} that Mr. Cooper transferred to XXXX XXXX XXXX.
Consumer complaint received 2023-04-08
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. (TX)

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 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 2023-04-08
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. (MD)

The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX  XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XXXX at Chase not willing to give me any reference number or anyway to identify him if I would call back has stated that both checking and savings that I opened less then a week earlier are closed, and sending check out as discussed for both checking and savings account, and would absolutely not give me any reason at all for the closure of the account. Furthermore I have a chase credit card as well which I was locked out of and had to work on getting access back into my credit card account, so it is very strange that they were to close checking and savings account I decided to open with them, and without any rhyme or reason at all. So I would like them to reinstate my checking and savings account
Consumer complaint received 2023-04-08
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. (AR)

I have been disputing these inadequacies for several months : Inquiries on my TransUnion credit report, XXXX XXXX and XXXX XXXX and XXXX inquiries are XXXX XXXX, XXXX XXXX, l first called TransUnion and XXXX XX/XX/XXXX XXXX, l talked to someone in the fraud department, about my credit being inquired without my knowledge, they did nothing to help, then on XX/XX/XXXX, l disputed online to both TransUnion and XXXX XXXX nothing happened, on XX/XX/XXXX l mailed my dispute to both TransUnion and XXXX again without any action being done,XXXX l mailed my disputes again to both TransUnion and XXXX, still no help,
Consumer complaint received 2019-05-09
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. (NY)

I have taken several steps to remove inquires that I do not recognize from my TransUnion credit report. I have sent multiple letters & have made multiple phone calls. I have last spoken today with a representative by the name of XXXX XXXX from TransUnion & he told me that he can not help remove the fraudulent inquires that are on my credit account within his Company, even though I am a victim of fraud. I would like for this issue to be resolved. Being a victim of this fraudulent matter is devastating to me & the future of my credit health
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2023-04-08
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MN)

On or about XX/XX/2016, my American Express Serve card was closed by American Express for unusual usage patterns. Having been a loyal customer for roughly the 2 years prior to this closure, this came as a shock and surprise as I had routinely used the Serve product with no other customer service concerns. My usage was frequent and well within the rules set in place by American Express when I first signed up for this product. While I did not lose any money, I lost a valuable consumer product that I had come to rely on and used in a frequent and repeated way. 

I contacted American Express numerous times to inquire about the usage patterns, but never responded to or followed up on. As this product was important to me, I have repeatedly tried to re-sign up for this product, but American Express has repeatedly denied me access to a new product with only vague, unclear reasons. It appears American Express has purposely blacklisted me from this product line. 

This arbitrary closure has burdened me and forced me to find other, more expensive and questionable products to help me with prepaid needs. It also concerned me that American Express or another company could close my account ( s ) with little to no reason other than me not being profitable to them. 

I would like to be reinstated or able to open a new Serve prepaid product from American Express. I fear that if banks can arbitrarily close consumer products and blacklist customers from the product in the future, that banks would like to discriminate against any customer they want while hiding behind vague reasons for all its customers.
Consumer complaint received 2023-02-12
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. (CA)

I have disputed inaccurate information about a charged off XXXX XXXX loan with all three bureaus multiple times with no action being taken on their part. There are many discrepancies between how the charge off is being reported between all three bureaus. First is the payment history, XXXX shows a 30 day late, then an on time payment, followed by a 90 day late, and finally a charge off. Transunion has no reported payment data at all, but the account still reports as charged off. XXXX shows a 30 day late payment, no reported data, then a 90 day late payment, followed by a charge off. XXXX and XXXX have no data on when the account was closed, but Transunion shows the account was closed XX/XX/2019. XXXX shows date of last activity as XX/XX/2019, Transunion shows XX/XX/2019, and XXXX has no data on date of last activity. Transunion doesnt even show what the worst delinquency for the account was.
Consumer complaint received 2023-04-08
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. (CA)

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
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. (OH)

I have written to all 3 credit bureaus including Experian that is still reporting the misleading and fraudulent information on my credit profile. XXXX  and XXXX  has corrected the matter promptly.

I have given Experian notice through letters and affidavit in reference to the fradulent chase account, incorrect name and addresses that are Fraudulent. The Fraudulent XXXX XXXX is reporting as a Charge off which is incorrect as well. XXXX has acknowledge the XXXX XXXX  as being a Fraudulent account. I have given XXXX Cardmember Services notices about Experian reporting this Fraudulent information in my name. 

This misleading information is Frustrating and preventing me from obtaining a loan. Thank you for helping me hold Experian responsible for correcting and Removing this Fraudulent information on my credit profile immediately. 

Kind regards XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.