davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I disputed this account XXXX XXXX  back on XXXX and XXXX of this year. This item was deleted but now it has been reinserted on my credit file. This is a major violation because this account is not mine and it has been reinserted on my credit file.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

My oldest credit card which is XXXX XXXX XXXXXXXX XXXXXXXX XXXX with a limit of {$80000.00} has strangely disappeared from my credit report on all the credit bureaus ( XXXX, XXXX and Experian ) and I have contacted them individually since XXXX, 2023 when I first noticed it and nothing has been done, I keep calling them and they say same thing every time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also XXXX since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/2023 and nothing has been done. Kindly help me fix my credit report. Thank you.
Consumer complaint received 2024-01-21
Product: Credit reporting 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 am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX below.
Consumer complaint received 2020-07-10
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: CITIBANK, N.A. (MI)

Hello, I was charged for XXXX for 2 XXXX plane tickets returning from XXXX to XXXX on XX/XX/2020. Due to XXXX XXXX, my plane flight was cancelled, despite me already being in the country. XXXX promised they would book me on another flight home, but unfortunately this never happened & I purchased a new flight home with another airline. 

XXXX told me they would credit this charge, however I have not seen any such credit. I dispute the charge with my credit card provider, Citi Banks, but they rejected the dispute. They rejected this dispute because XXXX showed them a flight manifest from a flight weeks prior as proof that I had boarded the flight. I pointed out to Citi Banks representatives that this was not the flight in question. I also forwarded documentation showing the flight in question was cancelled by XXXX, the merchant. 

On top of this, I purchased trip insurance for XXXX USD which should cover all of this. No luck there either. 

To me, this is a clear case of a merchant being unable to provide the services I paid for. For Citi Banks to accept a flight manifest for a flight that does not even match up with the disputed charge shows some level of incompetency or inefficiency with their dispute process. And for XXXX, to provide this incorrect documentation to Citi bank is just very disingenuous and shady.
Consumer complaint received 2023-07-26
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. (MI)

This is my first 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

This Discover account has been reporting to my credit file since 2018. I have fi police reports with my local police department and an identity theft report with the Federal Trade Commission. I sent all these documents into Discover and they are still reporting this fraudulent account to the credit bureaus! This is crazy! I had my identity stolen and these people are still harassing me over what a criminal did in my name. Discover should have stopped reporting this account once they received my police report.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I disputed more than five times XXXX XXXX and XXXX XXXX  I stated Im a victim of the XXXX XXXX breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Consumer complaint received 2023-05-12
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. (CA)

In accordance with the Fair Credit Reporting Act. XXXX, Equifax, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and does not help me getting it back up and going. I am not sure if it is a mistake as I assume it has to be. I have not been able to get any help from them since a couple of months but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2024-01-21
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: Experian Information Solutions Inc. (FL)

This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/2023.
Consumer complaint received 2024-01-21
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: Experian Information Solutions Inc. (VA)

all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dept of Educatican /XXXX  , XXXX, XXXX XXXX XXXX , and XXXX  XXXX violated my 609 rights by reporting incorrect informatio to Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX reported to the Exerian that I applied for credit in which I never applied for. They have violated m rihts to have fair and accurate iformation on my credit report. 


My personal information o my credit report is inccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

I told Experian, XXXX, and XXXX to reinvestigate the account ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

Having received a copy of my updated credit report and seeing that it is still inaccurate and not of my knowledge, by law, this has to be removed my account.
Consumer complaint received 2023-02-23
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. (LA)

On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with Equifax, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted XXXX XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with Equifax which they responded was legitimate on XX/XX/23. I then called XXXX XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted Equifax and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from XXXX. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.
Consumer complaint received 2023-07-13
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-21
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: Experian Information Solutions Inc. (MI)

Experian and XXXX XXXX continue to report inaccurate information. I have exclusive equitable claims to my financial asset which is the contract that is the security for this transaction. I do believe XXXX XXXX has failed to accurately account for this transaction. The equitable interest payments and principal balance are due to me and XXXX XXXX is responsible for the taxes. Because I know XXXX XXXX has failed to provide a return on my investment I am notifying the XXXX XXXX XXXX to audit this account to ensure accurately. Experian should not be reporting any late payments on this account as the interest is supposed to settle any amount due.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (DC)

I bank with Chase. A third party money lender that i use sent an email stating they would withdraw funds on XXXX. The funds were withdrawn on XXXX and it overdrew my account by XXXX dollars more. I have overdraft protection turned off, and i called this morning to ask what could be done, because Chase charges XXXX per overdraft fee. The representative told me that just because overdraft protection is off, does not mean ACH transactions wont go through, which i was not aware of, and that if i wanted to submit a claim it would take 45 days.
Consumer complaint received 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I ask the credit bureaus to verify these accounts they verified these accounts saying they were Accurate I check my credit report and they still showing incorrect also XXXX and Experian nonexistent no response this is not my first Attempt resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validate Account In Accordance with the Fair Credit Reporting Act XXXX  # XXXX Has violated my Rights 15 U.S.C 1681 Section 608 A. States I have the right to Privacy.

15 U.S.C 1681 Section 608 A. Section 2 it also States a consumer reporting agency can not furnish my information without my written instruction.
Consumer complaint received 2023-07-13
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. (GA)

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!