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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I disputed a closed XXXX Auto account in XXXX of 2022. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with XXXX XXXX, Experian, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over 100 percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX Auto. If you review myXX/XX/XXXXXX/XX/XXXX2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as XXXX and Experian and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.
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. (FL)

in 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 an 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. (FL)

in 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 an account without my written instructions.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX : Collection 15.U.S.C 1681 section 602 A States I have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Consumer complaint received 2022-05-03
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX - XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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. (GA)

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

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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. (IN)

In accordance with the Fair Credit Reporting Act 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. 
Delete all accounts that has violate my rights to privacy and has not furnish my written agreement. 


Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX
Consumer complaint received 2022-09-25
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. (CT)

On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. Trans Union hasnt removed anything. XXXX is still investigating.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I was told on a recorded line that this refinance will Be the best deal Ill ever get! And the original owed principal Will not change! IT DID!!! They lied and coerced me into going ahead with the refinancing! I went from owing {$91000.00} to owing {$100000.00} in principle. It looks like they added the escrow into the principal.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (NC)

In accordance to the Fair Credit Report act 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 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act 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 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act 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 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act 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 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act 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 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
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. (NE)

acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.
Consumer complaint received 2021-07-22
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. (MD)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

AS OF TODAY IT IS 4 MONTHS SINCE A COMPANY GOT A BONUS OF XXXX OUT OF MY DEBIT CARD FOR A SERVICE/ CAR I DO NOT HAVE ANY POSSESSION OF AND NEVER WILL. PNC HAS DUG A HOLE AND IS NOT FOLLOWING THROUGH AND COLLECTING THE MONEY THAT IS OWED. 
IVE BEEN STUCK WITHOUT GAS DRVING XXXX TO XXXX. STUCK WITHOUT FOOD, AND MOST LATELY STUCK WITHOUT A CAR SINCE THEY ARE THE SLOWEST AND MOST IMPOSSIBLE BANK TO GET TO FOLLOW THEIR OWN POLICYS THEY OWE ME {$680.00} FOR A MYSTERY WITHDRAW THEY CAN NOT SHOW WAS DONE BY ME BUT MORE OR LESS THE BANK STOLE FROM MY ACCOUNT ENDING IN XXXX. ITS QUITE EASY TO SEE IT TRANSFERS TO ONE AND THEN NO WHERE ..... 

THEY ARE OWING ME XXXX FOR THE PRIVIOUSLY ISSUE AS WELLL TOTAL XXXX ATTACHED THE PROOF OF DEBT YOU OWE ME PERSONALLY AND THE 21 PAGES I HAD TO FAX SEVERAL TIMES FOR OTHER DEBT
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (AZ)

I have contacted LENDMARK on XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and LENDMARK, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to LENDMARK to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( 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 ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX 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.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

A fake lenders group made false claims on my bank account and took the credit that the bank gave me, plus my savings and put me into an - {$800.00} overdraft I let the bank know about the issue, and after filing a legitimate claim, they restricted my account. 

Last night, they reversed the claims I brought up and I've been put into an - {$800.00} overdraft. The only way for me to pay for the overdraft is to go to the branch myself, but the nearest branch is in the next state. I can't deposit any funds because of the restrictions.
Consumer complaint received 2022-05-02
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: JPMORGAN CHASE & CO. (TX)

Hello this is my second complaint against Chase at this point. CHASE IS NOT listening to me about my dispute. I am not disputing this credit card, I know this is my account, I am disputing charges on this credit card that I did not make. Yes I have made payments on this account because this account is mine. I AM NOT disputing the account I am only disputing charges that were made without my consent. I am attaching the latest communication I received from Chase in this complaint. THEY ARE NOT DOING WHAT I ASKED AND THEY ARE NOT LISTENING TO ME. I need them to refund my money on the purchases I did not make. Please review this dispute again for the fraud charges on both my chase cards. I do not shop at XXXX I do not eat at XXXX, I do not use my phone to pay for things at XXXX. I did not make these purchase on my credit card. Please do another dispute investigation for these fraud charges.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I received a notice on XX/XX/22 from Transworld Systems, a debt collector that I owed XXXX XXXX XXXX {$13.00} as of XX/XX/22. The notice included the following account invoice # XXXX. They claimed this is my account #. I have never received a billing statement from XXXX. 
First of all I do not have an account with XXXX. So, I have no account number with them. Second, XXXX informed me that their accounts are 9 digits long. Obviously the account listed above has more than 9 digits. Upon researching Transworld Systems I discovered their reviews often describe them as a scam or fraudulent. I might be experiencing the same
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

M & T Bank- they have caused my funds to be low. If there are no funds in the account dont ok payment I have tried to talk with them and nothing, during this time of covid still going on, and work being low. they are placing me in a financial bind
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. (MO)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I called Equifax on XX/XX/22 to file a official dispute over the phone. I previously filed a dispute over the phone with Equifax on XX/XX/22 and had no issues and the dispute was resolved. When I spoke with XXXX on XX/XX/22 from Equifax she would not officially submit my dispute. I was informed that I must submit documentation on my identity. I feel this is biased towards me as Equifax already has my personal information on file and this is proved by the dispute filed on XX/XX/22. I feel Equifax is not following the Fair Credit Reporting Act by taking my official dispute over the phone on XX/XX/22. I did send in the requested information on XX/XX/22 and expect Equifax to remove the XXXX disputed items as stated in my letter to them dated XX/XX/22. I would like Equifax to be investigated on the practices of consistency in not being biased as to what information or items to investigate to delete from consumers.