davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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 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 2021-11-12
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: MRS BPO, LLC (FL)

Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
Consumer complaint received 2022-08-23
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2022-06-09
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 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have already corrected information regarding XXXX XXXX and received fraudulent information stating I opened an account t with a name XXXX XXXX XXXX with XXXX XXXX XXXX which is a blatant lie. REMIVE this now before I sue!!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries Equifax Mortgage XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
Consumer complaint received 2021-11-12
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: Nelnet, Inc. (DC)

I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and XXXX, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATION/NELNET that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.
Consumer complaint received 2022-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC (MS)

XXXX sent an alert to XXXX that I had open a new installment loan XX/XX/2022. The account was with Rise in the amount of XXXX, XXXX. I contacted Rise to inform them that I didnt open an installment loan with them. I contacted the local police and filed a report. Also I filled out a form with the federal trade commission. I sent both of these reports to the fraud department at Rise XXXX XXXX. I received a letter in the mail from Rise stating that they did an investigation and determined the loan wasnt fraudulent. I have used Rise in the past but its been a long time. I didnt take out this loan. The loan has reduced my credit store. I have placed a fraud alert on all my accounts. When I called Rise they said there was past due payments too so if they report these, this will make my credit worse!
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (DE)

Despite the multiple previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-04-16
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Consumer complaint received 2019-12-06
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. (CA)

I received a statement for the amount of {$99.00} that was done on XX/XX/2019. ( please see attached invoice ) .this is with XXXX   XXXX macy 's card which I rarely used.I contacted customer service immediately after I received the statement and spoke to XXXX on XX/XX/2019 @ XXXX XXXX  she offered t open a dispute for the charges and cancelled the credit card. I received letters from macy 's on XX/XX/XXXX, XXXX & XXXX about the investigation.but no resolution. ( please see attached letters ) .on XX/XX/XXXX I received a 2nd statement with the same amount of {$99.00} for the same item purchased in XXXX. i called Macy ; s customer service and I was on hold for over an hour without being able to talk to a live person. If Macy 's have made the investigation on the purchase I would like to know the name of the store, location and city. I know I did not use the credit card to purchase a XXXX XXXX. I have no need for it and if I did I had gone to XXXX XXXX and use their card. 
I take care of my credit and this is important to me but I do not wish to pay for something I did not purchase.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XXXX of XXXX i opened the wells fargo business account, put in enough money and met all the requirements. i called several times and went in numerous times and was told each time and by supervisors that i met the requirements. they escalated it. they never paid me. 

in XXXX i opened a citi account and again in XXXX i was considered new for both and was told i also met the requirements, and in a chat, several times for both accounts and was never paid and have been locked out of all online accts and no one speaks english when i call.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (FL)

I sold 3 items to 2 different people on XXXX on XX/XX/21. Paypal has NOT sent the money to me, there is a hold for NO apparent reason. I think they are keeping it to get the " float '' on it.
Consumer complaint received 2022-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America opened a credit card and a line of credit in my name ( former name ) using my SSN. I received a debit card in the mail requesting to activate the card. It looks very legitimate but I never opened the account. 
The report of the account shows on my credit report. I opened a dispute with XXXX. 
I tried calling Bank of America but there is only XXXX branch in Idaho in XXXX XXXX XXXX and they directed me to call the fraud assistance line. The fraud assistance line asks for your account number or SSN number. I dont have an account with B of A and not entering my SSN, so also unable to contact anyone to resolve the fraud.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (VA)

In accordance to the fair credit reporting act conversion has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX 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 2021-11-12
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. (FL)

I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?
Consumer complaint received 2022-06-09
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 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, XXXX, Equifax, XXXX must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2022-07-31
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. (FL)

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XXXX XX/XX/2022 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/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Consumer complaint received 2021-10-30
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. (TN)

Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Name : XXXX  XXXX  Account Number : XXXX and XXXX Balance : {$160.00} and {$1100.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$120.00} Account Name : XXXX  Account Number : XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} I would like to file a complaint against all three credit bureaus - Equifax, XXXX, and XXXX. I have disputed these five collection accounts since XX/XX/2021 and now that I'm on my fourth letter with the credit bureaus, I am still not getting a resolution from them and the information they are reporting on each item is still inconsistent. 

For one, I have disputed XXXX XXXX XXXX with the credit bureaus and with the collector directly, the first dispute letter I sent to the bureaus was on XX/XX/2021, while it was XX/XX/2021 with the collector. Until now I am still not getting a response from both parties and it is quite frustrating that I have to wait for months and not get any resolution.. I shouldn't have to wait this long to get this resolved. I am trying to get approved for a loan.
Consumer complaint received 2022-07-31
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. (GA)

XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-06-09
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 2019-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (AL)

On XX/XX/2017, I attempted to upgrade my phone on the XXXX XXXX XXXX website. Unfortunately, I ordered the incorrect device. I immediately tried to CANCEL my order, but there was NO WAY to cancel your order on the XXXX XXXX XXXX website. I called them that same day, and after about 2 hours of holding, I got someone who informed me there was " no way '' to cancel the order, " it's already on the truck '' but I could refuse it when it arrived, and he would order me the XXXX XXXX right away. I refused his offer to purchase another phone. The ( wrong ) phone arrived when I was not home and was left on the front porch. ( WHERE IT COULD HAVE BEEN STOLEN ) I took it to the post office, marked " REFUSED ''. I then called XXXX XXXX XXXX every single day for two weeks to find out if they received the phone and at one point I got a guy who gave me the original tracking number and told me they had received the phone and tried to sell me another phone. Every Person I talked with was no help, and only wanted to sell me another phone, before they received the one I sent back. I also contacted them via chat to try to see what I should do. 
I spent over 15 hours of my life trying to rectify this situation and then a month later- after I had cancelled my service with XXXX XXXX XXXX because THEIR CUSTOMER SERVICE IS a JOKE, the SAME frigging phone shows up in my driveway! 

On XX/XX/XXXX, I off work early and went to the XXXX XXXX XXXX store in XXXX, Alabama on XXXX XXXX XXXX, and sat there for about 30 minutes waiting on a salesman, trying to return the phones, only to be told that store wasn't the store I needed to go to to return the phones! Well, the store I needed to go to was out of the way, and I never made it by there to return them. I meant to get by there and just never did. 

WHY DO THEY MAKE IT SO HARD TO DO THE RIGHT THING? This is infuriating. 

So now, XXXX XXXX XXXX wants me to pay for this phone and I think they SHOULD PAY ME for putting up with their XXXX. They offer no way to alter, edit or cancel an order. 

Furthermore, the " new '' phone was never set up in my name so how can I be responsible for it? Now, this is in collection and XXXX XXXX XXXX wants {$1600.00} from me. I am ready to fight them and go to court on a class action because they are shady, slithering crooks who only care about making a sale. I was a 10-year, faithful customer who NEVER MISSED A PAYMENT. NO MORE. Absolutely the bottom-of-the-barrel tactics.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

my buiness checking account was hacked mid XX/XX/2019. I have been working with the bank to get the issue resolved for several months. I have closed accounts, talked with bankers in person nearly half a dozen times, filed a police report, frozen my credit and have been run around and ignored the entire time. The bank has declined my claim has refused to respond to my requests as to what is going on and now is just straight up ignoring me.

I need help to get my money back its been over 3 months!

I have attached copies of the police report to show proof of what is going on
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act ( 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 2023-01-11
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$54000.00}
Consumer complaint received 2019-12-05
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)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.