davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

It was a chase credit card which I do not have. I first received a statement with a XXXX amount on it. A called chase telling them I did not open an account. They told me they would close the account. Next statement I received there was {$840.00} on the account. Someone using XXXX which Ive never used. I called again and after getting a run around finally was able to file a complaint. Why after I told them it wasnt me did they reopen this card and allow it to be used?? I filed a police report and put claim through. I also received something from XXXX which I also dont have. I called them but they said Id have to go in to a branch to handle that. This is horrible.
Consumer complaint received 2022-06-22
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)

XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXX XXXX/Federally Protected Consumer to XXXX, XXXX, EXPERIAN. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2022-02-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, Thank you for service. 

This complaint is concerning a XXXX XXXX credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as XXXX. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to TRANSUNION ONLY as CLOSED, PAID IN FULL by XXXX XXXX and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? XXXX XXXX never sent me a 1099c. 
15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that XXXX XXXX remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2021-09-11
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: Experian Information Solutions Inc. (TX)

I have contacted both XXXX XXXX XXXX AND EXPERIAN ( CREDIT BUREAU ) about two paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX & XXXX but NOT EXPERIAN. XXXX told me that they sent my loan information to EXPERIAN but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY EXPERIAN CREDIT REPORT!
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion and XXXX. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX  written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and TransUnion and XXXX  have not been able to investigate properly. They keep requesting more information from me, which I do not have. TransUnion and XXXX  are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In XXXX of 2022 Bank of America closed my business banking account and there was a deduction of {$15000.00} with a note saying " Account Closing Transaction ''. I scheduled an appointment with Bank of America on XX/XX/XXXX to figure out why there was a deduction from my account and where the funds were at. I met with XXXX XXXX in the XXXX, Utah location. I spent a couple hours with XXXX on the phone with different departments and we spoke with someone in the recovery department XXXX and they said that the account was closed and the account closing transaction was Bank of America sending me the balance in the account via check. I told them I never received the check and they said they were going to cancel that check and send a new one out that day and that I would receive it in 10 business days. I waited the 10 business days and still never received a new check. I called the XXXX provided above to figure out what was going on XX/XX/XXXX and spent over XXXX hours on the phone, I was transferred multiple times and they told me a check was never sent out and my account was under review. I asked if I could speak to a manager and they sent me to XXXX when I asked him if I could have his employee number, last name, email, direct line, etc.. he said no, that they don't give that information out. He said he would put a note on my account and I would need to call the XXXX number back in XXXX business days to get an update. I asked if someone would be contacting me and he said no, I would need to call in. I emailed XXXX on XX/XX/XXXX telling him what was going on and received an email back on XX/XX/XXXX, I responded back the same day and haven't heard anything since ( see attached ). I'm sick of getting the run around. They are holding my $ XXXX without any reasoning and I want my money back. They are also saying I now owe them {$1000.00} because my account has been overdrawn for months. This message was sent to me on XX/XX/2022 and it was the first notification I received for my account being overdrawn. There is a huge miscommunication. I told them I would be happy to pay the $ XXXX but I want my $ XXXX back first.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My consumer rights have been violated. I am displeased and feel unsafe. 

To whom it may concern, Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, never gave TRANS UNION any written consent to report anything on my consumer report, no consent is identity Theft. 
Under 15 US Code 1681 ( a ) Accuracy and fairness ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers To assume is to have no proof. The assumption your company has made has caused me stress in my life as the consumer reports created has caused me to miss opportunities to gain assets, products, and services.

( 4 ) 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. 

TRANS UNION has violated my privacy by assuming this role and creating credit reporting that many companies have use to verify my credit worthiness. As a consumer and a creditor this is unfair and a violation of my consumer rights. These negative items on my consumer report are defamation of my character. 

Concerning the accounts listed below as a consumer I am demanding a deletion of the following accounts. 
1. ) Account Name : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 2. ) ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX 3. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. ) Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XX/XX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of 11/27/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MO)

On XX/XX/22 I received an alert from XXXX that a new Wayfair/Citybank credit card was opened in my name. I immediately called all 3 credit bureaus to report that I did not open a new account, I also put a freeze on my credit reports, called Wayfair/citybank and reported this account as fraudulent and asked that they close the account. They informed me that they would investigate the claim and let me know their findings. I received a letter today stating the following : The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information : The letter also states that I will be responsible for any charges relating to the account. I will be going to the local police station to file a report.
Consumer complaint received 2022-06-22
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. (AL)

I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates failed to provide proof of authority to validate said alleged debt and assumed the role of debt collector ; they have no power to validate or state that I owe any alleged debt pursuant to 15 USC 1692 ( c ) ) ( c ) as the consumer I have the right to dispute or refuse payment of any said alleged debt. I have never entered into any agreement with Portfolio Recovery Associates, so there is no evidence I have any outstanding liabilities or obligations or any consumer transactions with Portfolio Recovery Associates. Under the doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporation powers is unlawful, making the contract null & void and Portfolio Recovery Associates only provided proof of contract were statements and transaction history which isn't a substitute for a wet signature contract. Portfolio Recovery Associates willfully committed fraud and identity theft by stealing and using my identifying information without my authority. As a consumer and natural person, I owe no debt to Portfolio Recovery Associates and want them help accountable for all the violations they committed ( see attachments for details ).
Consumer complaint received 2021-09-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLOBAL SOLUTION BIZ LLC. (CO)

XXXX, XXXX I am reaching out to you regarding your XXXX XXXX XXXX with XXXX XXXX XXXX. Your current unremitted receipts balance is {$8500.00} and is due in full immediately. 

We have not heard from you since the default event, and would like to discuss some options for repayment. In the event that we are unable to contact you within the next few days to discuss this issue in a civil manner, we have elected to move forward with a review for litigation, pursuant to our clients rights outlined in the Agreement. If you have spoken with someone in our office and made arrangements, please disregard this email. 

We would like to extend a final opportunity to resolve the debt. Please contact our office immediately upon receipt of this email to discuss repayment. Once litigation has been filed, we will be reluctant to negotiate with you. As indemnitor for the advance, you are responsible for ensuring that it is resolved in a timely manner to avoid litigation. Feel free to contact our office to discuss this further. 

XXXX XXXX Lost Prevention Specialist Global Solution Biz, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Ext XXXX ( XXXX ) XXXX direct XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

I previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX  on XX/XX/XXXX. Never got a response to that request whatsoever. 

Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! 

No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as settlement WAS ACHIEVED!!!!