davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-29
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. (WA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I was invited to apply for an American Express XXXX XXXX XXXX by mail. I contacted a representative to explain my financial history. I did suffer through the financial meltdown in XXXX. Now that 10 years have passed, I've been able to manage reasonably good credit so my chances of getting approved for an AMEX card seemed to be good. The representative said the only way to know is to apply. I applied for the American Express XXXX XXXX XXXX with the help of the agent, however, I was rejected. Then on XX/XX/XXXX, I received a letter from American Express informing me that they can not approve my application at this time because American Express cancelled my previous account ( s ). I contacted American Express at XXXX for an explanation. The agent said American Express cancelled my account back in XX/XX/XXXX. I asked for proof and they said they can't provide any proof. I requested this information be removed from my profile and the agent said it is not possible. I have a right to see proof of American Express cancelling my account and the reason why they cancelled my account. As I mentioned, the financial meltdown caused massive pain and suffering. I believe I made the request to cancel my account not American Express. I've attached the rejection letter for your review.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX, I purchased jewelry from Zales in the amount of {$1400.00}. Zales sold me the jewelry on a 12 month interest free promotion. I was willing to pay cash but the sales person sold me on the promotion as " free money '' and pushed me to open up a Zales credit card account. It wasn't clear to me that the promotional credit contract ( Comenity Bank ) I was signing was separate from the credit agreement I was signing with Zales. 
I received monthly bills from Zales, indicating that payments were due by the XXXX of the month. On XX/XX/XXXX, I made my first payment of {$120.00}, and continued making 11 additional payments of {$120.00} each delivered by the XXXX of month, the final payment was received on XX/XX/XXXX ; for a total amount paid of {$1400.00}. 
On approximately XX/XX/XXXX, I received a bill from Zales with a promo interest adjustment of + {$260.00} and a new balance of {$260.00}. 
To my surprise, I was being back billed for accrued interest because I didn't payoff the original purchase amount by XX/XX/XXXX. 
I was using the due date and billing cycle on the credit card bill.. .to make the payments which were " out of sync '' with the 12 month promotional payments due date. This resulted in my final payment of {$120.00} arriving on XXXX days past the promotion end.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is two transactions made ilegally on my bank of america debit card with the following dates. 

XXXX usd - XXXX XXXX - direct deposit funds tranfer XXXX usd - XXXX XXXX direct deposit funds transfer Those transfers are made under the name of State of CA XXXX unemployment, those are my legal benefits from unemployment and pandemic help after being laid off because of this I called XXXX and they told me they don't have any faculty to this, they're not allowed to withdraw any money from BOA debit card. 

They of course wanted my information to validate my identity and everything being legal under my name and sure it is. 

All my information in my BOA online account was ilegally modified, email security questions phone number, not being able to access my account, receive a notification of fraudulent activity or anything related, there was absolute no communication by bank of america I have a dispute right now with BOA, one being closed immediately under false statement that i allowed those transactions, i have to reopen my dispute which is currently pending. 

CLAIM NUMBER : XXXX I've had requested a copy of my claim to my address or my email many times and they aren't capable of doing this, thats why i will not attach it I really need your help because this is an abuse i am victim of a fraud, i am aware bank of america is under investigation because of many fraudulent activity, tv and social media are the ones exposing fraud to thousands of citizens. 

All my legal info is available if BOA needs to validate my identity to recover my funds because i depend from them.
Consumer complaint received 2022-06-29
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. (NC)

I looked on my credit report and noticed that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Transunion to repost anything on my consumer report. Without my consent Transunion has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Transunion, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Transunion are for {$1000.00} dollars per violation
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/22 I received an alert on my credit monitoring that there was a collection added to my account. I called the next day XX/XX/22 XXXX to inquire what this was about. I was told this was a medical debt that I still owed for which was {$83.00}. I told the person I spoke with that they could not report this to the bureaus without trying to collect from me first. I was told they did not have to let me know anything. I asked if I paid the {$83.00} would they delete from the bureaus and was told yes they would delete from the bureaus within 2 weeks and I would receive an email showing I paid and was going to be deleted. I still have not received anything from them. To add insult to injury they have also reported it as a paid collection to another bureau AFTER I paid. I informed them that this was illegal as I have NEVER gotten any notice about this collection. I also reminded them that as of XXXX XXXX the bureaus were going to delete all paid medical collections. So not only did they violate the law but also lied to me. It says on CFPB web site specifically the following : DEBT COLLECTORS ARE NOT PERMITTED TO REPORT A MEDICAL BILL TO THE CREDIT REPORTING COMPANIES WITHOUT TRYING TO COLLECT THE DEBT FROM YOU FIRST.

Please help me on this CFPB. I would like to see them answer to someone of authority for illegal activity
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-19
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 (WA)

We purchased airline tickets in XXXX for a trip to XXXX on XX/XX/2022. Bank of America is refusing to dispute the charges for two abruptly cancelled flights on XX/XX/XXXX and XXXX, stating that they are bound by an FTC rule limiting cc disputes to 120 days from the time of purchase. While this may make sense for many purchases, it clearly makes no sense for airline tickets which are most often purchased many months ahead of travel. Disputing these charges for flights cancelled without any notification or alternatives is one of our only remaining avenues, as the airlines have not responded to repeated emails, calls, complaints to the XXXX, or even to letters to their home offices. The airlines are XXXX and XXXX  ( XXXX XXXX ).
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (IA)

On XX/XX/2022 I paid off my debt to Convergent outsourcing. It was for a XXXX account. During the conversation with the representative I told them I would only be paying it if the collections would be deleted off my credit report and they agreed, they said it would be deleted off within 30-60 days. As of today it is still showing up on my credit report, I have called convergent outsourcing 3 times in the past week and talked with 3 different supervisors. They have all told me it will not be deleted and they do not care that someone previously told me it would be. They said they apologize for the wrong info but they will not be sending me a deletion letter. I am trying to buy a home and this is getting in the way of it.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (MN)

Mutual of Omaha has called me XXXX times today. Probably would have been more if I wouldn't have picked up the phone on the XXXX call. Many of the calls were back to back. Plus 2 different text messages. These calls were prompted by an application I filled out with a referral company for refinancing my mortgage. I should not be harassed by the same company this way. I get they want my business, but hounding me this much in one day is excessive. I feel like this is a violation of some kind of law.
Consumer complaint received 2022-06-29
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. (TN)

In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.
Consumer complaint received 2022-06-28
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-06-29
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: EQUIFAX, INC. (TN)

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Consumer complaint received 2022-06-28
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 Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

I have XXXX credit cards through Comenity bank, one from Ulta and one from XXXX. Their website has been undergoing routine maintenance for almost 5 days now. Making it impossible to pay bills or do anything whatsoever with their cards. Their phone lines are also down. If my payment ends up being late, I do not want to be penalized or have my credit score negatively affected.
Consumer complaint received 2022-06-29
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. (OH)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-29
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. (FL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Consumer complaint received 2022-06-29
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. (FL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Consumer complaint received 2022-06-29
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. (MD)

I have mailed Experian a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Experian with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY. Unfortunately the XXXX XXXX report is too large to upload to the CFPB
Consumer complaint received 2022-06-29
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. (PA)

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!