davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (NC)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies XXXX and TransUnion have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have XXXX accounts on my report by XXXX XXXX  showing closed XXXX since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NC)

n accordance with the Fair Credit Reporting act US DEPT ED 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
Consumer complaint received 2022-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX - different companies use my account toXXXX  ( companies under name ofXXXX, XXXX XXXX, and XXXX XXXX XXXX ) an CHASE- make a transaction through XXXX CHASE another account- make a withdrawal of XXXX in XXXX, Texas CREDIT REPORT - Applied for two different credit cards ( XXXX-XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX  on XX/XX/2022 XXXX they both appear as an inquiry on my credit report.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 1XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX  XXXX act # 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 an account without my written consent.
Consumer complaint received 2022-06-08
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: JPMORGAN CHASE & CO. (GA)

I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a XXXX XXXX  account balance {$4700.00} There is XXXX XXXX  Balance {$1200.00} and there is XXXX XXXX with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.
Consumer complaint received 2022-07-04
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)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX 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
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian, XXXX and XXXX continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in XXXX, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.
Consumer complaint received 2022-03-30
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. (AR)

I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.
Consumer complaint received 2022-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I made a mistake on a bill pay for my Bank of America credit card. I accidentally paid a payment of {$100000.00} instead of {$1000.00} on XX/XX/2023. My credit limit is only XXXX. I don't know why they even accepted such a large payment considering I do not have that high of a credit limit. The froze my payment because they said it was fraud. They also froze my credit card. They said it would take 10 days to release the money and transfer the money back to my bank account. I called today and they said it will take 5 more days. Please help me get my money back into my account so I can pay personal bills.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MI)

my father used my information when I was a child and I am in debt of {$490.00} with XXXX. I apparently opened an account with them in 2019. I called the company and they said they can not do anything
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I cant log in to the Transunion site to unfreeze my credit file. The site hasnt worked in over a month. It tells me that my login credentials are incorrect. Then when I try to retrieve my correct info, the same page just reloads and you cant go any further. The customer service phone number just puts you on hold with music and then you get disconnected. There are plenty of complaints on XXXX and other sites.
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-30
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. (MO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-30
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. (FL)

XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Someone opened a fraudulent account in my name i reached out to capital one multiple times about this account once i found out about it via my credit report. Captial One was very rude and unprofessional, they kept saying they couldn't find the account than they said that they sent something via email for me to fill out which was a lie as well, i am currently working with my family lawyer.
Consumer complaint received 2022-06-08
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: General Motors Financial Company, Inc. (FL)

I have too many inquiries the same day XX/XX/XXXX XXXX XX/XX/XXXX Americicred XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX CXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX, XXXXHighest Balance {$1700.00} XXXX XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXBalance XXXX XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX  and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-28
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. (TX)

Equifax continues to say they dont see these inquiries on my credit & keep saying inquiries are factual, how is it factual information when Ive sent over an ID Theft affidavit in addition to a police report stating that I didnt do this?? Equifax continues to ignore this & theyre about to find themselves on the other end of a lawsuit.
Consumer complaint received 2021-01-16
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: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Huntington National created an unauthorized credit entry on my credit reports. After noticing the inquiries, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove the unauthorized inquiries. The company did not provide me with a document bearing my signature stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (NJ)

IC System is trying to collect a debt that XXXX XXXX XXXX has placed with them. XXXX XXXX iis commiting fraud as he misled my wife to bring my XXXX  XXXX XXXX for a visit on XX/XX/XXXX. He confirmed he accepted XXXX XXXX and the visit would be covered. He fraudently diagnosed the visit for a XXXX XXXX  although my daughter had an XXXX and XXXX XXXX We have XXXX XXXX XXXX ( so why would i got to XXXX XXXX XXXX who is an XXXX  for a XXXX XXXX XXXX XXXX 

XXXX XXXX confirmed the below two cases, when i asked fo review of the claim XX/XX/XXXX XXXX XXXX ( reference number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$170.00} ) and billed for XXXX ( {$60.00} ) - Total {$230.00} ) Submitted Appeal - Explaining the context of visit and that i have XXXX XXXX and while Vision is not a covered service, I went to doctor for an XXXX  XXXX Doctor has to billed XX/XX/XXXX Appeal was approved. Same outcome with claim getting processed as XXXX XXXX. XXXX ( Supervisor - XXXX ( EXXXX XXXX XXXX Ref # XXXX She will review with appeals team and revert on what is the best action forward I have also submitted a complaints to Board of Medical Examiners, a subsidiary of the New Jersey Division of Consumer Affairs. 
Division of Consumer Affairs State Board of Medical Examiners XXXX XXXX XXXX XXXX, XXXX  XXXX I let IC System agent know that XXXX XXXX has reviewed the claim and determined inconsisent claim information provided XXXX XXXX XXXX XXXX. In addition, i have filed a complaint with NJ Division of Consumer Affairs and as per Fair Debt Collection Practices Act ( FDCPA ), i should not be harassed for the fraud that XXXX XXXX XXXX is committing...
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-12
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. (WA)

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Consumer complaint received 2022-03-12
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. (AZ)

XXXX , AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (GA)

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

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went to Bank of America to make a deposit in my sisters account for {$800.00} cash. The bank said I can't deposit cash I only can deposit a money order or check. This happened on XX/XX/2022 They also wouldn't sell me a money order. My sister gave me her account information for me to make the deposit. She called Bank of America and they told her all Bank of America does not except cash.