davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (MA)

XXXX submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to Federal and Commonwealth fiduciary agencies, complaining of XXXX 's high-handed tactics and irresponsible errors. In the interim, XXXX has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXXXXXX XXXX -XXXX XXXX 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 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (VA)

Received notice of bill. Did not state I could dispute just demanded payment. Sent a validation letter in XXXX of XXXX. Never received a single validation or notice or anything. Then they put it on my credit report dropping my score without a single response to my letter. Filed dispute with credit bereau. XXXX city lies and claims they never got a letter. Funny how theses collection company always lie and claim they never got a letter and then once they are notified to remove it from the credit report because they failed to follow fdca guidelines they have not removed this. This item was also paid for by insurance It is not a valid debt it is also a medical debt and can not be placed on credit report They have violated every single fdca act law and should be fined
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX the retailer previously had a credit card contract with XXXX Bank. In the middle of XXXX, this contract was changed to Capitol One. 

I have not used my XXXX XXXX XXXX credit card for several months. Meaning, there was a {$0.00} balance at the time that Capitol One took possession of this credit card. 

Immediately, after taking possession of the account, Capitol One flagged my account for fraud. I did not use the card ; I was not even sent a card by the issuer. 

In my attempt to resolve this issue, Capitol One demanded a picture of my state-issued identification, a utility bill with my name and address, and a photo of my social security card. I obliged by providing my ID card and utility bill, but declined to submit my social security card photo. I find this requirement to be excessive and unusual. 

Capitol One will not remove the restrictions from account and will not communicate details around the alleged fraud with me. They will not even allow me to close the account. 

Capitol One is holding me XXXX over alleged fraud that did not take place as far as I can tell. I've never used the Capitol One card and I did not take any action following the transition to them as a bank.
Consumer complaint received 2022-10-15
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. (TX)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian is in violation for violating consumers privacy rights by allowing insufficient matching procedures which resulted in credit reporting companies providing reports to entities without permissible purposes. 

Experian is subject to Criminal Liability for violating FCRA Privacy protections ( Sec 620 ). Identified credit reporting companies held liable - XXXX, freecreditreport.com, consumerinfo.com My experian account was hacked and my email was deleted and replaced with XXXX after let experian know an email was sent to me asking to verify my identity by sending my drivers license, social security card, bank statement, and proof of address. So I did because I thought it was experian. My account log in email changed from a. XXXX XXXX to a.XXXX  yet I was still unable to access the information. I received another email asking to resend my identification for verification purposes. I was hesitant so I looked up the address, XXXX XXXX XXXX XXXX, Tx, provided in the email and it linked to multiple credit reporting non accredited agencies, freecreditreport.com being main source. 

The name XXXX XXXX being the principal source and XXXX XXXX XXXX bring the Business manager. XXXX  stated Licensing Information : This business is in an industry that may require professional licensing, bonding or registration. XXXX  encourages you to check with the appropriate agency to be certain any requirements are currently being met. 

Experian 's negligence to protect consumer privacy and personal information exposed my personal information to these allowing deceptive trade practices without my knowledge, consent and authority which is considered to be identity fraud. These non accredited XXXX  consumer reporting agencies committed identity theft.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On the night of XX/XX/2022, I used my JP Morgan and Chase business account ( XXXX XXXX ) Debit card at a venue in XXXX to withdraw cash. However, after I entered my PIN code to verify the account, the ATM machine displayed an error message indicating that the card was not valid. 

After multiple attempts on my Business Account Debit Card, I then proceeded to use my Personal Account Debit card and withdrew the funds from a different ATM machine within the same venue. 

The Business Debit card was not used to make any other purchases that night. 
On the morning of XX/XX/XXXX, I received an email from Chase with an alert for a large purchase at XXXX XXXX on my Business Account Debit card which was declined by Chase. 

I logged into my Business account online and saw that there were multiple transactions made on the Business Debit card. When I searched for the Debit Card, the physical debit card was not in my possession. I called Chase immediately and reported the card stolen. The agent also opened 2 claims for the unauthorized purchases made on the Business Debit card at an ATM and a XXXX XXXX. 

I received a letter on XX/XX/2022 informing me that my claims were denied because I authorized the transaction. 

I did not voluntarily provide anyone my Debit Card PIN or Card. However, JP Morgan and Chase insist that their investigation proves that I authorized the transactions because the chip card and PIN were used during the transaction. 

Furthermore, when I requested Chase provide proof the transaction were authorized by me, they denied my request. 

According to Chase 's terms of service, I am supposed to have fraud protection against any transaction unauthorized by me. However, Chase is breaking their terms of service by denying my claim and failing to provide proof the transactions were indeed authorized by me.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (PA)

I'm writing this on my own - stop assuming it's a 3rd party. 
This AGENCY is violating my privacy and rights and have continued to do so despite me pointing out in the last 3 letters that they have INACCURATE data in my report which MUST be deleted in accordance with the FCRA. In addition to information being inaccurate, a proper investigation has not always been performed because at times, the status of the accounts in question NEVER changed after the 30 days they take to investigate. I am giving you directions to avoid litigation to delete the 2 accounts in question based on the inaccurate data I pointed out to your company in the last 3 letters. Attached is the last letter in which you can see the additional inaccurate information for the accounts in question.
Consumer complaint received 2022-07-14
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)

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting. 

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Address ID : XXXX Report numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX Report number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (TN)

I have disputing on the cfpb with Experian. They refused to follow the laws set by FRCA. XXXX XXXX has removed the accounts that has violated my rights. Is this the only credit reporting agency that follow the laws. They stated that my credit report investigation is 100 % accurate. I am not asking for my accounts to be verfied or accurate. I am asking for you to follow the laws. According to the law 15 U.S.C. 1681a- DEFINITIONS, RULES OF CONSTRUCTION The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who they talk to and how did they complete the investigation? They have also violated my right numerous of times under 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 602A SECTION 2 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 instruction. 15 U.S.C 1666b states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, ACCT # XXXX TXXXX XXXX XXXX XXXX, and XXXX  XXXX bankruptcy. Why is EXPERIAN allowed to violate the laws?
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY