davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MN)

Review the section and review your letter doesnt add up I give you 7 business days to have both accounts remove from XXXX and XXXX! 


A ) Reporting information with actual knowledge of errors. 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.

3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

623 ( a ) ( 3 )
Consumer complaint received 2023-01-10
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. (GA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this misleading information ; XXXX  XXXX
Consumer complaint received 2023-01-10
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. (IN)

My name is XXXX XXXX XXXX and I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. XXXX and Experian unlawfully furnish my information without my written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 7 business day as stated under law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (FL)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (GA)

I am in receipt of my dispute results with your company through the medium of mail. I disagree with your findings. My credit report is to be fair across all three major credit reporting agencies as result you will come into compliance with XXXX findings that will be attached to this complaint.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XXXX XXXXXX/XX/2023, I made an in person deposit of XXXX CASHIER 'S CHECKS INTO MY XXXX TRUST ACCOUNT ( XXXX ACCOUNT ) WITH BANK OF AMERICA IN XXXX XXXX, NEW YORK. XXXX CHECK WAS XXXX AND THE THE OTHER XXXX. After I left the bank, I checked my account online to see when the funds would be available. It stated that the funds would not be available until XX/XX/2023 AT XXXX XXXX. ( SEE ATTACHED PRINT OUT SHOWING THIS INFORMATION ). I HAVE ALSO ATTACHED IMAGES SHOWING BOTH CHECKS ARE CERTIFIED CHECKS, XXXX FROM XXXX BANK AND THE OHTER FROM XXXX. I CALLED THE LOCAL BRANCH WHERE I MADE THE DEPOSIT AND SPOKE TO A MANAGER, XXXX XXXX, WHO STATED THAT IT IS NORMAL FOR A CERTIFIED CHECK TO BE HELD FOR THAT LONG FOR VERIFICATION PURPOSES. I EXPLAINED THAT WHAT SHE STATED WAS NOT LOGICAL SINCE THE CHECKS WERE CERTIFIED. SHE STATED THAT SHE COULD NOT LOOK UP MY ACCOUNT WHILE TALKING TO ME ON THE PHONE AND TOLD ME THAT I SHOULD CALL CUSTOMER SERVICE. I THEN WENT INTO THE BRANCH AND MET WITH XXXX XXXX IN PERSON. SHE EXPLAINED THAT SHE COULD NOT REMOVE THE HOLD FROM MY ACCOUNT BECAUSE IT WAS PLACED BY " BACK OFFICE '' AND THE BRANCH HAS NO CONTROL OVER THAT. WHEN I QUESTIONED WHY IT WOULD TAKE SO LONG TO VERIFY A CERTIFIED CHECK, SHE PROCEEDED TO OFFER THE SAME GENERIC EXPLANATION THAT CERTIFIED OR NOT, IT IS A PROCESS TO VERIFY AND SHOULD HAD NO ADDITIONAL INFORMATION. SHE CALLED THE " BACK OFFICE '' AND SPOKE TO SOMEONE IN MY PRESENCE BUT IN THE END COULD NOT TELL ME WHY THERE WAS A HOLD ON MY ACCOUNT WITH THIS PARTICULAR CHECK AND IF THE HOLD WOULD BE REMOVED PRIOR TO XX/XX/2023. BOTH SHE AND THE PERSON WITH WHOM SHE SPOKE STATED THAT IT WAS PERFECTLY NORMAL THAT IT WOULD TAKE XXXX  DAYS TO VERIFY A CERTIFIED CHECK. WHEN I STATED THAT WHILE I UNDERSTAND THAT ALL CHECKS MUST BE VERIFIED, IT SHOULD NOT TAKE XXXX DAYS FOR CERTIFIED FUNDS, ESPECIALLY IN A TRUST ACCOUNT, TO BE AVAILABLE, SHE STATED THAT SHE WOULD LOOK INTO IT AND GET BACK TO ME BUT HAD NO OTHER EXPLANATION THAN A GENERIC ONE ABOUT VERIFICATION OF FUNDS AND CONCERN THAT A CERTIFIED CHECK COULD BOUNCE. I THINK BANK OF AMERICA PLACES LENGHTY HOLDS ON CUSTOMER 'S FUNDS TO USE FOR THEIR PURPOSES. THE MONEY BEING HELD BELONGS TO MY CLIENT WHO NEEDS IT FOR OTHER PURPOSES. IT IS ALSO ODD THAT ON XXXX  AFTERNOON DURING BUSINESS HOURS THAT THEY COULD NOT LOOK INTO THIS PARTICULAR CHECK, WHICH IS CERTIFIED AND PROVIDE INFORMATION SPECIFIC TO THIS TRANSACTION. ALL THESE THINGS ARE DONE ELECTRONICALLY.
Consumer complaint received 2023-01-09
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: CORELOGIC INC (TX)

on XX/XX/XXXX I noticed a hard inquiry from credco ( finance ) on my credit reports. I contacted them and they said they will look into it. few months passed by and i didnt hear anything from this company. after doing a research on this company i found out ( on XXXX XXXX ) that this company have been running people credit without their consent. I contacted them again on XX/XX/XXXX. and they are still not willing to fix it. i see a hard inquiry on my credit report. I am a victim on identity theft.
Consumer complaint received 2020-05-27
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. ()

On XX/XX/2020, I wrong Experian a letter, stated to Update / Correct my information on my credit report and the letter was notarized and sent certified mail. 

On XX/XX/2020, I received a credit report from Experian, with someone else 's personal information. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself. 
I do on XX/XX/2020. I send out the document again. 

On XX/XX/2020, I send an Inquiry Removal Letters to Experian. I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Experian did not reply back to my XX/XX/2020 letter, that was sent certified mail. 

On XX/XX/2020, I send a Dispute / Complaint Department to Experian with proof of identity and certified mail. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I received the same letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Operating Officer. Expressing my issues and concerns in a certified letter. XXXX XXXX, never replies back to me. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Executive Officer. Again Expressing my issues and concerns in a certified letter and send proof of identity. XXXX XXXX, never replies back to me.
Consumer complaint received 2023-01-09
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. (NJ)

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021, my bank accounts were closed by Bank of America for reasons they claim to be an alleged investigation of fraud reported by someone else. 

I had both business and personal accounts with them, which were closed. 
They mailed checks for my personal accounts but held onto my business account funds ( totaling {$5200.00} ) in their " holds harmless '' department, saying it was under investigation. 
There was no significant transaction remotely close to {$5000.00} that validated the freezing of my entire account. I have had my account for about XXXX years, doing my regular business transactions. But I have had a personal account for about XXXX years. 


It has been over a year, and there has been no progress in the investigation. 

I have called multiple times and visited my local branch, which just ended up putting me back on the phone with them. They create a brick wall where it seems they hope will get tired of trying and waiting until you eventually give up your money. 
I worked long and hard for my money, and I have no plans on relenting. 

If this avenue does not work I will try another until it is resolved.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX original Creditor : XXXX XXXX XXXXXXXX, Original Creditor # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-01-10
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. (IL)

This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

XXXX. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXX, XXXX  AND XXXX  STUDENT LOANS TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

XXXX. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

XXXX. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

XXXX. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.
Consumer complaint received 2023-01-10
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. (GA)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Consumer complaint received 2023-01-10
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. (AZ)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

Today we received a call from a debt collector called IQ Data International. They were calling regarding a supposed debt for an apartment that we rented. The " debt collector '' refused to provide documentation of the debt by mail as requested. They stated that it was already mailed ( never received ) however could not provide a date it was sent on or what the documentation said. When I asked why it could not be sent by mail the person on the phone said " because your the one in collections not me I don't have to do anything that you ask ''. These things to me are unfair and illegal debt collection practices as a company can not refuse to provide documentation regarding a debt.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act XXXX  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 2023-01-03
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.