davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (KS)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people. 
These are clear violations of my federal protected consumer rights.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-04-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ON XXXX -- XXXX  I DID NOT GIVE BANK OF AMERICA PERMISSION TO OBTAIN MY CREDIT REPORT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (FL)

Around XX/XX/XXXX I started the loan application To refinance my home, the home that I had bought on XX/XX/XXXX and that I had Finance with the same bank which is Ally bank after XX/XX/XXXX I provided all the paperwork I was requested I was preapproved and further into the loan I had locked my rate, days before closing I was requested additional proof of income, I am self-employed, since that request I was even requested more proof of income additional proof of income in my eyes I had already put it all the income that he requested he got to the point where I felt my application was in jeopardy My loan was in jeopardy, I spoke to several managers in via email I got in contact with escalations team which said to in writing they bank made a mistake and that they dont give loans to people that do XXXX to my surprise. 
Which I know is not true.What I am requesting from the bank is to complete and process the loan of refinance with the terms I was offered.
Consumer complaint received 2022-07-08
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. (FL)

I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2021-03-26
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. (NY)

I am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 USC 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2021-01-21
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: JPMORGAN CHASE & CO. (TX)

I have made many many complaints to CFPB regarding a Chase card and fraud in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully Chase will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from Chase offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

BBVA USA on XX/XX/2021 this company authorizes a one-time charge of {$49000.00} USD from my debit card and they provide an authorization code to charge this {$49000.00} USD from my card. how they can have this authorization code when I don't have sufficient funds my balance was really low and I don't use any service of this type. I call them and tell them I don't have any idea of this charge they open an investigation. wich they finish in right away telling me the I own this money. so I call them to let them know I do not agree with their decision. so they open a second case which they provide me with the information they have. after receiving the documents of this company who charge me for this business service and I tell them I don't have any business with them. they are still telling me the charge was made and is nothing I can do. so my conclusion is this company and an employee from the BBVA USA bank are working together to scam customers. because when I tell them to investigate who authorizes this transaction code they refuse to do it. 

company name they charge me is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX PHONE NUMBER XXXX REPRESENTATIVE XXXX XXXX I HAVE NEVER HEAR OF THIS COMPANY BEFORE IN MY LIFE.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

XX/XX/2020 - XXXX XXXX XXXX calls and the phone Identified them as " XXXX  XXXX XXXX '' the call was from XXXX. An automated message stated that I have a debt to pay and to call back immediately. They gave me a number to reference XXXX. 

I called and asked for who the collector is etc. The acct. ends in XXXX, original debt is from XXXX XXXX for {$700.00} ; they also gave me an address for a home that I haven't lived in for over a decade. I asked for their address so I can send a validation letter, and I was hung up on. I called back, spoke with XXXX, and told them that I am a victim of ID theft, and I want their address. They put me on hold then said they could email me and asked for my email. I said no, I want their address for validation. I said I would be contacting the FTC, Consumer Affairs, XXXX, and others, and I am taping this, so I want their address. I was going to ask for also a written notice of validation by mail, but I never had the chance. XXXX said that they could not be taped and hung up on me. I cant send anything to a company without a valid address for validation. I cant even find an address online. 

I have had one credit card in my whole life, and it had been canceled over a decade ago. I do not have debt with this company or XXXX XXXX. I am a victim of ID theft. 
XXXX next send a certified letter to XXXX  XXXX since I have an address for them due to past ID theft and I after filling out a FTC ID theft but I have no information on XXXX XXXX XXXX or even if the debt is valid. I would like XXXX XXXX to stop opening up invalid accounts under my name or my husbands name. I currently have a fraud alert active with the 3 main credit companies. I also am opening up an account for XXXX XXXX ( this week ) to fix the XXXX  Fax Data Breach issues my spouse and I have been battling.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Tuesday XX/XX/2020 I went to use my NC unemployment debit card for gas but my card was reading do not honor. I went to call Bank of America prepaid and they said after putting in my information that my account was closed and hung up. At XXXX I made my first call and was placed on hold up to Two hour 's when I finally got to the fraud department I was told my cars has a fraud block because I tried to transfer funds to an account not in my name. I did try this when I was trying to send money to my mother but without success. I had no idea my account would be closed if I did this, I had no idea my account wouldn't be accessible if I made this mistake. After that I was transfered and placed on hold to talk to a specialist to get my card unblocked and verify my  identity and just to regain access to my funds and account. After waiting two hours for a specialist my call was dropped. I called back and had to wait all over again. This continued non stop until XXXX when I was told that the fraud department was closed for the evening. I had been on hold and hung up on multiple times from XXXX until XXXX. I never got to resolve the issue and now have to wait until tomorrow. I wasn't able to get the gas, I wasn't able to feed myself or my wife for dinner, I am now have no clue what to do because every penny I have is on that card. Bank of America seemed to not even care about this very serious situation. I made an honest mistake and now I can not access my money or anything. Please help me with this issue. I feel as though I was treated unfairly and to no fault of my own. Bank of America made me wait seven hours on the phone just to be told they are closed call again tomorrow there was nothing they can do. Thank you for your time and I hope to find some relief in the morning
Consumer complaint received 2022-07-11
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 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. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX BANK Account Number : XXXX
Consumer complaint received 2022-12-19
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. (NJ)

The unverified items listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-08
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. (PA)

Ive Noticed inquiries on my credit profile that I do not recognize!! From the following companies : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX- XX/XX/XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Keynote Consulting, Inc. (IL)

I called Keynote Consultants who is managing a collection account of mine for XXXX XXXX at XXXX XX/XX/20 The man I spoke too identified himself as XXXX XXXX XXXX Now Mr. XXXX is listed as the company 's COO and I highly doubt that he himself would be handling collection accounts or speaking to debtors in such a derogatory manner. But that's besides the point. I was looking to see how accouny could be settled. I asked if I could offer and amount to be presented to XXXX XXXX yo clear debt and update as such on my credit. The man on the phone stated " I can settle debt, but I can't remove it from your credit, I'm not even allowed to, its against the law. '' Now am I to believe that if I settle a debt I can not receive it in writing? That if I settle a debt I can't have it updated to my credit as paid? 

He proposed a question, " If i close this account for {$3800.00} but don't send it in writing and don't report it as paid do you want to settle? '' I answered " not without it in writing '' His response " enjoy seeing it on your credit for 7 years and hung up '' Someone please help the way this person spoke down to me and refused to present offers to client is very wrong.
Consumer complaint received 2021-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

ATTENTION EXPERIAN THIS IS IN FACT ME, XXXX XXXX. XXXX THIS IS NOT A CREDIT REPAIR COMPANY I have submitted this complaint 2x other times for the same issue. The FCRA states I have the right to dispute items on my credit report. The items must be accurate and verifiable. I have sent a few letters asking you how the chapter XXXX & Chapter XXXX bankruptcy were verified? You did not provide me with that information! I have unauthorized inquiries, XXXX XXXX XXXX late payments that were reported inaccurately, XXXX  credit card charge-off lates that were reported inaccurately, XXXX XXXX charge-off and lates on my credit profile and they have not been removed. 
I have the right to a accurate credit report and you are in fact violating the FRCA. Please investigate and remove all of the mentioned above inaccuracies, update my credit file and send me an updated credit report showing these items removed.
Consumer complaint received 2021-03-26
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. (LA)

i sent 2 letters already for TransUnion and XXXX to remove those inquiries in my credit report, unfortunately, they don't even answer my request.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

Debt Collection agency called " Convergent '' mailed me on XX/XX/XXXX that creditor : XXXX XXXX placed a debt of {$80.00} against XXXX XXXX XXXX. 
I contacted Convergent in XX/XX/XXXX first week that I don't recognize these charges as I moved out from Arizona in XX/XX/XXXX, where I took services from XXXX & I cleared all my dues & made all payments on time. So, I need to check with XXXX & asked Convergent to put this on dispute. Convergent said till the dispute is sorted out, they will not report this debt to any Credit agencies. 

I contacted XXXX XXXX Collections department to discuss this matter and they informed me it is a reporting error from XXXX 's end and I don't owe anything towards XXXX equipment. The charges will be reverted by XX/XX/XXXX and I should inform Convergent about it not to report this debt to any Credit agencies. I wrote 4 times to Convergent email provided in there letter received via mail, but have not received any response. 
On XX/XX/XXXX I generated XXXX  credit report as it was required for my rental home application. I was disappointed to see that Convergent reported this wrong & disputed debt as I owe {$80.00} towards XXXX XXXX. 

I called Convergent to report why they reported this as debt to XXXX credit agency when this matter is in dispute? and I already clarified that XXXX confirmed this is a reporting error from XXXX side. They said it will be reverted as {$0.00} in 40 days & can't explain why it was reported to XXXX   They also confirmed that I don't owe any debt. 

I feel ashamed that my landlord agency questioned me about this debt in my rental application & said they have to rethink about my application. I think this will be reported to any credit card agencies as well if I apply for credit cards or bank accounts. 

My intention to complain is such agencies like Convergent should not be allowed to report wrong debt collections until matter is in dispute and when I am constantly updating them with latest developments. Ultimately, it was mistake of XXXX as reporting error and Convergent to report to credit agencies. I was not at mistake.
Consumer complaint received 2022-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AZ)

Reported on my credit report a new debt but has never sent a letter or provided me with any communication or information about the said debt. I would need Information like the dates of the original debtor to know if its even my debt. Since my SSN and other personal information was compromised during a data breach.