davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collecon XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reocords : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-04
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. (ID)

I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (AZ)

This is a complaint against PNC Bank, which has failed to apply a statement credit in the amount of {$100.00} to my account. The facts are that prior to having a credit card at PNC Bank, I had a credit card at BBVA, which PNC acquired I believe in 2021. After PNC acquired BBVA, PNC closed my BBVA account and sent me a number of advertisements about getting a credit card with a {$100.00} statement credit after spending {$500.00}. One of those is attached. I decided to take their offer and spent more than the {$500.00}, see the statement attached. Despite qualifying for the {$100.00} statement credit, PNC refused to apply it. I have called them several times about this issue and no one there disputes that fact I should be paid. Particularly the case manager I spoke to : XXXX XXXX, see her contact info below. It has been months and it appears that they have no intention whatsoever of paying me. As such I regard their conduct as a scam. Their contact info follows : PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX, ext : XXXX XXXX, Case Manager : XXXX XXXX Please prosecute this complaint.
Consumer complaint received 2018-11-04
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)

Equifax, XXXX and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( Equifax, XXXX and XXXX   are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that Equifax, XXXX and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

THIS INFORMATION WAS REVISED XX/XX/2018
Consumer complaint received 2022-08-02
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. (MS)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this XXXX XXXX XXXX  Late payment XX/XX/XXXX to XXXX XXXX, 30 days late will be removed in the payment history. 
XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
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. (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 # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} 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 permission
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act : XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX Bank - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct # 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
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (DE)

XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards balance!
Consumer complaint received 2018-11-05
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: JPMORGAN CHASE & CO. (CA)

I purchased with my Chase VISA credit card XX/XX/XXXX a Tour with XXXX XXXX in XXXX XXXX XXXX. The tour company was very popular and we were requested to pay {$5000.00} in advance for a XXXX 16 day Tour package departing XX/XX/XXXX. In XX/XX/XXXX we were to have received our airlines tickets, hotel information, Optional Tours we purchased, River Cruise tickets, all parks and bus and plane travel and food was to be supplied. All prepaid by our family. 
The Consumer Protection of XXXX suspended the XXXX license and they ceased to exist effective XX/XX/XXXX. I tried to call the company on XX/XX/XXXX when I became aware of their Fraud and closure. The XXXX website and telephone number directed me to Consumer Protection of XXXX. Consumer Protection directed me to Chase Bank to # 1 put in a merchant dispute to get our {$4900.00} back from the merchant bank. After a few months the Merchant has  refused to refund our money because it has been over a year since we paid. 
Where I disagree with both Chase Bank and XXXX XXXX XXXX  XXXX is I believe it IS 60 days or one year from the date of DELIVERY of their service or product or goods. XX/XX/XXXX was our DELIVERY OF GOODS travel date. I don't believe the date I paid is the date to BEGIN my dispute. I believe the date services were to be rendered is the date to establish a starting point. XX/XX/XXXX!
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. Equifax has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Consumer complaint received 2022-08-02
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)

This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-08
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. (AZ)

On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit at this time.
Consumer complaint received 2018-11-04
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: BB&T CORPORATION (MD)

I just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2018-11-04
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. (NJ)

Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. 
They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX
Consumer complaint received 2020-08-05
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: CITIBANK, N.A. (AL)

CITI CARDS XXXX XXXX XXXX XXXX PA XXXX Member Since XXXX Account number ending in : XXXX The company on his own produced false justification to cancel fully paid off credit card with {$18000.00} credit limit and XXXX due balance. A silly alarm was given at charge {$99.00} to XXXX I am using at least 10 years. In XXXX there was no issue. In XXXX the same transaction is causing cancelling the card. Total ridiculous treatment of messy agents providing 'excellent customer service '. They can not understand that someone works in XXXX and has two ( 2 ) properties in USA. The card was mostly used to pay insurance or transfer balance if an 'low interest ' offer came. Subsequent interest rate increases to 25 % p.a. despite of timely payments for over 20 years.
Consumer complaint received 2017-07-05
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. (KS)

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XXXX XXXX, XXXX XXXX and XXXX XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. ()

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, I had signed up too clearscore and I want to update my information on Equifax and when I had telephoned the company they took my visa debit card number and said they can update my credit report for 5. Which I did, they told me too update my credit report I need too log in too my email address XXXX. 

They said they had sent a link and they where very aggressive too me that I did not received another email with the link too log back into my Equifax report. 

I could not ring back the 3rd time as I did not receive the email at XXXX too update my Equifax report what can I do? 

Yours sincerely XXXX XXXX XXXX XXXX