davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

There are multiple instances with different creditors that I have disputed. 

First, I have a medical debt that I should not have been billed for because I had already met my deductible, and the documentation that I have shows that insurance paid it. I have contacted Texas Department of Insurance ( TDI ), and they have been trying to get a hold of the providers responsible for the billing. Hearing was scheduled for XX/XX/XXXX, and mediator was not able to get in touch so it did not occur. ( Business & Professional C/O XXXX XXXX ) Second, I paid off a debt in XX/XX/XXXX, and yet every month I have to call creditor to fix the bill because it shows I owe interest ; i know that I don't owe interest because I paid it off before the billing cycle. They have been removing it, but my credit report shows that although I have a XXXX balance, my payment is now 60 days late. ( XXXXXXXX XXXX XXXX XXXXXXXX ) Third, I have an old closed credit card debt that I have disputed multiple times to indicate that they were not my charges, and in addition to that, every month the amount increases as they keep selling the debt. I have tried to get in touch with them, but they have no record of debt other than a card for the same bank that I am currently paying. ( XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-03-16
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have disputed these accounts multiple in an attempt to get them investigated or deleted . They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) 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..
Consumer complaint received 2023-03-16
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)

In accordance with the Fair Credit Reporting act 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 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate
Consumer complaint received 2023-07-26
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: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Consumer complaint received 2019-02-19
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: Monterey Financial Services LLC (NC)

On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.
Consumer complaint received 2023-03-16
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 filed several disputes to Equifax on XX/XX/XXXX. XX/XX/XXXX I received a letter regarding my disputes. The disputes state that all disputed items are accurate. However, that is not the case at all. The disputes are not accurate in the least. The dispute response 's do not include account numbers or names of each item disputed for each dispute. I made sure to include every account I was disputing. Equifax has failed to provide each account number per each dispute. I have the right to know what account is not accurate and Equifax failed to do so. I am wanting a resolution to this, and also I want to any inaccurate items removed from my credit report. All accounts disputed came back with the same dispute response as well, and I quote " INQURIES ARE FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. This information is false. I submitted 45 disputes. All 45 disputes were NOT all hard inquiries. The disputes are also related to other accounts which are NOT inquiries. I demand the removal of all hard inquires and a detailed response from all furnishers in regards to these inquires. Furthermore, I request that all hard inquires be re-investigated if not delated due to the fact that the inquires were made on the same day without my knowledge of multiple inquires of my credit from various companies. When I submitted my applications I specifically requested that my credit not be ran more than once and only to one creditor. apparently, my request was ignored, and now I face issues with my credit score. Again, I demand all hard inquires be deleted, and I want a detailed letter of how these inquires are justified and fair
Consumer complaint received 2023-03-16
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. (UT)

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, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX 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 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (OH)

I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX  and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Milestone Parrish LLC (IL)

Milestone Parrish acquired a debt deemed uncollectable from XXXX XXXX that includes a name I previously used but legally changed, an address I previously used, and my social security number. The purchase was made online with no ink signature for three sets of tires. At the time of the alleged purchase ( XX/XX/2019 ), I worked at a business at the address in question but no longer used that address personally as I had sold the business to another corporation. Since I maintained a daily presence at the business, I would have noticed if three sets of tires were delivered to that address ( however, nobody has been willing to disclose the delivery address of the tires to me ). Milestone Parrish engaged a company called XXXX XXXX XXXX to collect the debt earlier this year, but when they could not validate the debt, they declined to continue action. Recently, Milestone Parrish engaged XXXX XXXX XXXX to try to collect the debt. I never heard from this company until I reached out to them myself once they had reported the bad debt to the collection agencies. They were unable to validate the debt and have declined to continue to pursue the collection. However - I fear that this will continue with yet another debt collector as Milestone Parrish shuffles the debt. The debt total is {$4600.00} and it is not mine.
Consumer complaint received 2023-03-16
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)

I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.
Consumer complaint received 2023-03-17
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. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (TX)

American Express National Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. On XX/XX/XXXX opened an XXXX XXXX XXXX XXXX account, product name XXXX XXXX XXXX XXXX  with {$20000.00}. On XXXX my account balance was {$20000.00}, and on XXXX my account was hacked and someone by name XXXX XXXX created a new account and transferred {$20000.00} to her account. 
The Bank never notified me of suspicious activity and it was not until XXXX that I checked my Savings account to realize a balance of {$250.00} in my account and {$200.00} in a fraudalent account that has been closed after I made my initial call on the same day. 
I have called the Customer Care at American Express National Bank at XXXX on XX/XX/XXXX spoke with XXXX XXXX XXXX last name not allowed ), XX/XX/XXXX spoke with XXXX, XX/XX/XXXX with XXXX, XX/XX/XXXX spoke with XXXX, lastly today called & spoke with rep XXXX. On XX/XX/XXXX & all later calls I was told the investigation had started & three letters have been sent to the Bank where the transfer of my funds were sent to, I was told today the name XXXX XXXX  XXXX XXXX... XXXXno info other than to visit their website to complain.
Consumer complaint received 2023-03-16
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. (AL)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX  XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX  ( Finance XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Finance )
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX a fraudulent XXXX company  withdrew {$150.00} using XXXX out of my checking account. Over the next couple days there were another 4 XXXX transactions from a fraudulent shipping company XXXX XXXX taking another {$850.00} out of my account ( {$300.00}, {$250.00}, {$100.00}, {$200.00} ). I submitted a claim to my bank on XX/XX/XXXX and I am still fighting this and their initial findings were to say I authorized. I was able to catch this before XXXX took another XXXX and then I started receiving texts that I would be XXXX for funding XXXX XXXX. Ive tried to reach out to the XXXX & shipping company via phone but they only connect via text, the phone goes to a XXXX voice line
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied and received a XXXX XXXX American Express card. Their brochure specifically states that if I purchase a flight on XXXX using this American Express card, I would receive my first bag checked in free. On XX/XX/2019 I flew from XXXX XXXX to XXXX XXXX on XXXX and since I used my Amex card, I got my bag checked in for no additional charge. Now on my return flight, they insisted on charging me for my bag ( I carried it instead ). The main reason to get the XXXX Amex card was for this service.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (WI)

I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to. 

I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX. 

Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution. 

I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus. 

Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On wed XX/XX/XXXX I received a call from an unknown number telling me a process server was calling and I needed to call a number when the person answered it was a lawyer from New Jersey saying it was a Bank of America account in 2006! The problem is its charged off and no longer on my credit report and under the statue of limitations I qualify its been over four years this account! I dont owe anything! When the lawyer I dont rem the name said that Bank of America was suing me and a process server was coming out! Today I got a phone call from XXXX would not tell me who they were just I had to call a number! They keep harassing me! If bank of America was suing me and they have a different attorney why did I not get anything in the mail! I looked at the law I dont owe this anymore its way over ten years! I have no acct number to go on or anything