davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, TransUnion, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX  ( file # XXXX on XX/XX/21 ) TransUnion ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact trans Union or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Consumer complaint received 2021-12-28
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. (FL)

the investigation I have with cfpb XXXX details the issues more in-depth. 
Experian has already given me an updated email and link to view the issue resolution and they must have done this upon opening of the cfpb investigation and not upon any further request from me ( seems suspicious almost as if they want to look like they are actually doing their jobs properly and to cover up something I wonder what has been edited and or deleted from their internal logs and what phone recording from my calls and or logins can back up any data editing within their system ), though this is now the XXXX time that Experian was able to open and close an investigation within an extremely short window of time. this time is longer than XXXX hrs. but still less than a few days. 
they again have validated and simply updated the files for XXXX XXXX XXXX never actually investigating the validity of the debt collectors documentation and or violations of my rights within each of the XXXX reports made. 
in direct violation of my HIPAA rights, XXXX XXXX XXXX has continued to post, update, and repost debts about medical history on my credit reports. 
they have been doing this on both Experian and XXXX. 
again reiterating that this debt collector hasn't validated debt from the original bill, is double-dipping or double recovery attempts drastically affecting my score, and they are in direct violation of MY HIPAA ( Health Insurance Portability and Accountability Act ) Florida state attorney 's office and the DOJ Principal Deputy Director from the Consumer Protection Branch as well as XXXX, CFPB, FTC. and I reported Experian for allowing XXXX XXXX XXXX to continue violating the FCRA & utilizing unethical & unfair practices XXXX credits accounts are time-barred, Duplicate accounts, Data management errors, being posted under double recovery methods which are illegal, XXXX XXXX XXXX reports are not validated, they are violating my HIPAA rights XXXX violating FCRA
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

Today XX/XX/2022 I am trying to lock down my credit. 
Re : https : //usa.experian.com/member/protection The website should be there to serve the consumer. 
Instead, I can not figure out how to lock my report and disallow others to gain access. I am a master 's level XXXX XXXX and this should not be this hard. The company is being deceptive and pushing a paid service with add-ons when the free service can not be found. Please help resolve this issue so that I can freeze my credit without paying a fee. 

XXXX XXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (GA)

This is a joint collection account, it does not belong to me, it belongs to my old roomate The collection company is called Innovative Recovery Inc and they opened the account on XX/XX/2020 They claim i owe {$170.00} But i called the original creditor and they said the balance was {$140.00}
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-06-27
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 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (SC)

Mrs Bpo constantly harasses me during various hours of the day and I never pick up as the number is unknown. Now I find out they have reported an XXXXXXXX XXXX account which isnt mine. This is the second collection company harassing me for this account which is not mine. The address on this account was from Alaska. I have not lived in Alaska for over 15 years. The phone numbers on the account are not associated with me at all. I have no knowledge of this XXXX account. I have not had XXXX for over 10 years. This collection needs to be removed from all the major credit bureaus immediately.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On or about XX/XX/2021, to JP Morgan Chase & Co. credit, notified me via text of a potential fraudulent charge ( see attached text messages ). The text prompted me to respond Yes if it was a legitimate charge or No if it was not legitimate. I responded No and received a message thanking me and advising that my card was closed and I would receiving a replacement card. In spite of having notified JP Morgan that the charge was fraudulent, JP Morgan proceeded to allow additional similar ( almost identical ) charges to the point my account was left with no funds. 

The response from JP Morgans fraud department to my claim was very generic. Essentially stating that I authorized the charges. Based on the CFPBs XX/XX/2021, updated guidance, unauthorized efts include those transactions resulting from consumers being fraudulently induced into knowingly providing account access to bad actors. I was a victim in this case. 

After the initial response, an attorney agreed to write a demand letter free of charge, as I can not afford a retainer to recover funds that are less than a retainer. The response in response to the demand letter now states that the bank emailed me and that I supposedly authorized the charges via email. I have no emails, this was done by text message.
Consumer complaint received 2022-04-27
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, Wells Fargo Dealer Services reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Consumer complaint received 2022-04-27
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. (CA)

Several months ago reviewed my credit report and found unauthorized inquiries.I have already contacted the creditors and they have not provided me with any proof that I initiated such inquiries nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I asked EXPERIAN to delete these unauthorized inquiries from my credit report immediately or provide evidence of any authorization. They ignored all my requests. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2022-09-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 we ordered online tickets for XXXX XXXX which totaled {$1000.00} for our family. After doing the transaction we found that we would not be allowed to choose seating until the day before our trip. We have daughters XXXX, XXXX and XXXX we have to be near them on a flight and not next to strangers. It also stated we couldnt have carry on luggage. So after realizing the above after placing the order we called about 35 minutes later to cancel. The first man we spoke to wasnt helpful at all and advised the whole trip was non refundable. I asked for a manager sat on hold for 50 minutes and then the line disconnected. Called Bank Of America to start the dispute process. After speaking with BOA I again called XXXX and reached another man named XXXX who was a little better in demeanor. Issue is he only wanted to refund {$850.00} stating the support bundle of {$140.00} is considered consumed and non refundable. The support bundle purchased according to their website is fully refundable within a 24hr period thats why it was chosen for the just in case situation. I advised XXXX of what their website states he then repeatedly asked if we purchased the bundle. He was able to see that we did but continued to state the {$140.00} was non refundable. I advised that I was not satisfied with this but to go ahead and refund me the {$850.00} and I would challenge the remaining balance. I have asked my credit card to reopen the case they unjustly closed because according to BOA they were told something different and when she compared information that I retrieved from their website its very muted and is conflicting in their wording. They need to be honest and honor what their website states and stop being dishonest. I didnt make a mistake here its in black and white. My issue is also with Bank Of America because they provided me a letter after 3 months stating they could not intervene with a merchants return policy? How is this possible when as a credit card they are supposed to protect me. It is clear that whoever first reviewed this situation did so loosely. I didnt make their policy up. Again had this not been provided by my job I would have never come across XXXX as a company. Their practices are deceptive and Bank of America is not supporting me as a consumer. If this were XXXX XXXX or XXXX this would have been resolved based on all the information provided. I have excellent credit and I intend to keep it this way. I should be responsible for payments that I owe not for a dishonest merchant who is looking to dupe consumers out of hard earned money,
Consumer complaint received 2022-04-27
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. (NJ)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is reporting inaccurate information on my behalf to the consumer reporting agencies. I attempted to resolve this issue with the company via mail, and they sent a " stalling '' tactic correspondence letter claiming they can not " research '' my request by requesting information already provided in the original letters. 

Your company is in direct violation of the law by reporting/furnishing inaccurate information to the consumer reporting agencies on my behalf. Pursuant to 15 USC 1666b ( a ) in which a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In addition to this, pursuant to 15 USC 1681a ( 2 ) ( i ) you are to EXCLUDE report containing information solely as to transactions or experiences between the consumer and the person making the report. By furnishing these deceptive forms of " late payments '' this is considered a billing error pursuant to 1666 ( b ). 


Capital One account : XXXX Case Number : XXXX
Consumer complaint received 2022-04-27
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 ActXXXX 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 2022-04-27
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. (AL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

A Mastercard with Bank of AmericaXXXX XXXX was opened in my name on XX/XX/22. I did not apply for this card. In addition, the card was sent to a prior address from 3 years ago ; however, it was forwarded to my current address. 

I called Bank of America and they have closed the account. No charges were made to the card. They have also put my name and address under their " security alert '' so that no further cards and/or accounts can be opened in my name. 

I currently have a credit freeze with XXXX, but did not have one with XXXX or XXXX. Bank of America utilized XXXX to check my credit, which allowed the card to be approved. Although an incorrect ( old ) address was used, which I feel with better investigating during the application process, this situation would have been averted. I now have a credit freeze with all three credit reporting agencies.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 2023-03-21
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. (MD)

XXXX XXXX XXXX  has illegally reported a total count of 4 late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2022-04-27
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. (NJ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # 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 a account without my written instructions.