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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and XXXX Partial Acct : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-03-03
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. (IA)

I sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I can do this all day Citibank .... 
I'm responding now to their complete and total lies regarding their " investigation '' this is their response. 

Company 's Response Sending letter to reinforce the decline of credit for the {$12000.00} XXXX XXXX charge. Explained a {$16000.00} payment was received on XX/XX/XXXX and on XX/XX/XXXX was advised that a hold was placed on the available credit limit until XX/XX/XXXX, after the payment cleared. Explained on XX/XX/XXXX, when a {$7000.00} XXXX XXXX charge was attempted, passed our Fraud verification process and confirmed the charge was legitimate. Explained on XX/XX/XXXX, a {$12000.00} charge was declined at XXXX XXXX CT, which is XXXX XXXX PT and during a conversation with Citi at the XXXX XXXX Fraud verification process was passed and the charges were verified as legitimate. Reinforced due to the inconsistent information provided regarding the time frame in which claim of wallet and phone missing and because previously dealt with the merchant, the balance is considered to be valid. Regretted response to attorney was delayed and explained it was just received in office. Confirmed name and address were removed from solicitation lists but to allow 30 days for that to take effect. Sending letter to the attorney to reinforce the decline of credit for the charge. 

MY REPONSE Good job you explained I pay my bills ... I hope you enjoy the {$16000.00} I responsibly paid you guys. I never called you guys about a XXXX dollar transaction. Seems like a made up lie. But if you say I did can you tell me if the person who called knew my social and my password??? On XX/XX/XXXX I never called you guys about spending XXXX on XXXX  products. Can you show me the transcript of the person who called at that time? did they pass my security word and know my social? XXXX XXXX of Citibank said that the person who called did not know my social security and they also didn't know my password. You fools cant even keep your story straight. I never have done business with the XXXX XXXX in my life .... but suppose I did ... what does me doing business with a company have to do with fraud happening at that company? If I shop at XXXX all the time and somebody steals my credit card and uses it at XXXX does that mean I'm responsible? very foolish argument. I will write letters to you all day long every single chance. Good luck selling my debt to collections they wont want it based on the evidence I have, and the fact that I was at work 2 hours away from the location my card was used at. Best give me my money back. I also got another letter in the mail for taking a loan to pay of my Citibank credit card debt along with harassing phone calls ... Each phone call is documented and will not look good for you in court. If I don't like your response Ill send ANOTHER response. Eventually you guys will get looked into for your fraud.
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXXXXXX # 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 an account without my written instructions.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX
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. (MO)

In accordance with the fair credit reporting act, Department of Education has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 Sec. 604 A, Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX/XXXX  -XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
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. (VA)

XXXX accordance with the XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the rights 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 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was reported to the credit bureaus for this XXXX  debt. My scores dropped significantly because of this. This is also not my account. Belongs to a relative. XXXX bills are not supposed to be reported to the credit bureaus. Its the law now. 

I need this removed ASAP. Because of this my score dropped XXXX points and its not even my account.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

While I was at work on XX/XX/XXXX in XXXX XXXXXXXX, someone used my Chime debit card at a XXXX XXXX XXXX in XXXX, OK. I shut my card down and filed a dispute once Chime would let me, which is when the transaction clears. It was for {$120.00} & it cleared & posted on XX/XX/XXXX. My physical card was always with me and I have never given out my card info or account info to anyone. Chime denied my dispute. I obtained proof from my work, a letter from my supervisor and a copy of my time sheet, that show I was clocked in and at work in XXXX XXXXXXXX when the fraudulent transaction was initiated ( XX/XX/XXXX ). 
Chime denied my claim again. So then I filed a police report with the XXXX, Oklahoma police dept ( city I live in ) & I called Chime back & provided the Case # from my local police dept. 
My dispute claim was denied yet again by Chime. I want to formally complain about their fraud protection services & dispute process and how unhelpful they have been in working to help me get back my funds when they were obviously stolen from me. I still need my money back.
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: Experian Information Solutions Inc. (IN)

I recently applied for renting an apartment and found out there are collection accounts showing under my rental history that does not belong to me. I have only seen one of them appear in my credit report and has been successfully disputed with Experian in XXXX. It was removed from my report in XXXX. There are no other collection accounts on my credit report from Experian. 

However, when I went through the tenant screening process. The screening company XXXX used data from RentBureau ( which also belong to Experian ) showing I have two collection accounts in my rental history. It turned out that the two collection accounts all belong to someone who has a similar name to me and lived with similar properties to me. The person 's name and address are combined with my profile on Experian. 

I called Experian for disputing the wrong name and address in XXXX. I received an email showing it has been successfully updated. I re-applied to renting an apartment on XX/XX/XXXX and those records are still showing under my report. 

The collection accounts are under XXXX XXXX XXXX and after I checked those accounts, there are only the other person 's name provided and do not have either SSN or date of birth belonging to me. 

I believe RentBureau and Experian should be responsible for combining another person 's name and address into my credit report. This has caused me so much trouble for me trying to rent an apartment in order to relocate to a new place.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (GA)

I paid the security deposit the card company ( First Progress ) required to open the account with them and they closed my account without me knowing and without refunding the {$300.00}. They said the {$300.00} security deposit was refundable but they never did refund me. I've signed in and it shows that I have it in there and I called the customer service number on the statement, but when I call it doesn't except any of my information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX ; XXXX 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Unauthorized inquiries on my report from identity theft EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX XXXX XXXX # XXXX*** # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  # XXXX # XXXX, AXXXX 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 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 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (WA)

I closed my account with avant- in 2021 because I was incurring charged on a card that I was not using. I closed to account while making payments to XXXX  XXXX  my balance but the company is consistently charging me interest and monthly fees on a closed non active account. I asked if my account could be sent to collections so I can pay my balance off and they told me my account could not be sent to collections because it has a balance that will always be there because they keep charging me. The balance on the card is more than the {$300.00} credit limit I was approved for the balance is now {$570.00}
Consumer complaint received 2022-03-01
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. (MO)

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)

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and Loan Partial Acct : XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got a pre approval from Bank of America for a Bank of America ( R ) Customized Cash Rewards credit card after submitting my application I was met with being denied. This to me the consumer is False and Misleading statements as I was baited into believing I was approved after applying And submitting my application I was denied. This left a inquiry on my credit report damaging my consumer reputation and I did not benefit from the transaction leaving me with nothing but damage and Bank of America gained a credit Application.
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: Experian Information Solutions Inc. (TN)

I did not consent to or benefit from the following information : XXXX, XXXX, & Experian listed on my consumer report, block or remove the following account XXXX XXXXXXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.