davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXXXX/XX/2024 XXXX XXXX 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 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BMO Bank, N.A. (AZ)

I sent XXXX bank generated checks for {$390.00} to BMO Harris Bank to pay towards a loan held by their bank. The address I was given was incorrect and they went to the Transportation Finance Department of BMO Bank. None of the checks were credited towards the loan desired, for which I provided account information and details when ordering the checks from my personal account at XXXXXXXX XXXX but all the checks were cashed and endorsed on the back by BMO Bank Transportation Finance ( phone number XXXX ). BMO credited back {$390.00} for XXXX ( XXXX ) of the checks, but the third has never been returned. When I call BMO they tell me that the checks were rejected and therefore there was no refund due. When I tell the customer service representative of BMO that is incorrect they tell me there is nothing more they can do because it is another department that deals with this type of issue. When I request to speak to the other department they tell me I can not. After multiple phone calls to BMO to get my money back with no more assistance than previously, I reached out to my bank, XXXX XXXX, to assist with and recover the claim. XXXX originally credited my account for the {$390.00} but then deducted it again as they were unable to receive feedback from BMO. I have called many times and even gone to the BMO branch to discuss with a manager, as this has been on-going since XXXX of 2022, so oveXXXX XXXX months and BMO is still not responding. I have spent far too much time trying to get my money back from BMO Bank without even making a small progression towards rectifying the problem and returning my money. 

I have print outs showing the checks and the endorsement by BMO, as well as my claim paperwork I submitted to XXXX XXXX.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

Multiple Unauthorized ATM transactions were made on my account in a foreign state, I notified the bank as soon as I was aware, I received a call from the fraud department in what seemed like they were interrogating me as if I was responsible for these charges. I received a letter stating they will not refund my money to my account because they feel the charges were " valid ''. I have followed all reporting guidelines as stated in on the " zero liability '' section of the account terms. as a customer I use have had hundreds of thousands of dollars worth of transactions on this account now that I am a victim of fraud the bank will not honor their own zero liability claim. 

**Note this complaint will serve as pre-suit notice if a resolution can not be reached**
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NH)

Company : BNY Mellon Trust of Delaware Card Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX I was the victim of identity theft over a month ago for {$300.00}. There were 3 fraudulent charges placed on my debit card via XXXX XXXX. XXXX XXXX has done virtually nothing to make sure that I was taken care of. 

Charge 1 : {$110.00} Charge 2 : {$76.00} Charge 3 : {$93.00} On XX/XX/2022, between XXXXXXXX XXXX and XXXXXXXX XXXX, XXXX different orders were placed on my XXXX XXXX account. Each of these orders was shipped to different states in the US ; one in Pennsylvania, one in Texas, and one in California. There were also items on each of the 3 orders that were to be picked up in New Jersey. Residing in New Hampshire, anyone with common sense could immediately see that I did not place these orders. My XXXX XXXX membership was inactive for 2 years prior to these orders as well. 

BNY Mellon was responsible for investigating this case. They determined that the charges in question are valid. When I called the agent to get an explanation, he provided NO information about the timing of these transactions, the contents, and the delivery addresses of these fraudulent orders. There was also no tracking of the IP address from which these transactions were made, which would clearly show that the orders were not made from a device in my local area. 

I found it highly inappropriate that this claim was denied in the manner of which it was. I provided ample evidence of each fraudulent order number and delivery address, all of which were located across the country. I even provided the email statement sent from XXXX XXXX stating my membership renewal was fraudulent. I also provided screenshots of each order, with order numbers. Being located in New Hampshire, it is very suspicious that, after almost 2 years of inactivity on my XXXX XXXX account, orders were placed to be delivered in Pennsylvania, Texas, and California in the span of a couple of hours. This is not normal shopping behavior and shouldve been the first area looked at in the prior investigation. 

BNY Mellon has been extremely uncooperative in this matter. They gave me the option to appeal the denied claim by faxing a letter of intent and other supporting documents. The fax number they gave me was not valid ( XXXX ). I tried 3 different fax machines and all of them did not allow me to send to that number. 

After not being able to fax my appeal, I called BNY Mellon back. I was told by the agent handling my case to just email my appeal to XXXX. His name is XXXX and has not been helpful at all ( XXXX ext. XXXX ). It has been over a week and I have not heard back from them at all via email or phone. I have followed up twice and have not heard anything regarding my appeal.
Consumer complaint received 2023-03-30
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 (AL)

in accordance with the fair credit reporting act, the creditor ( discover ) has violated my rights under 15USC1681 section 602 states i have the right to privacy 15USC1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an. account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I, the consumer and natural person XXXX XXXX, was denied credit by American Express when I applied for an American Express Green Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.12 CFR Part 1002 - Equal Credit Opportunity Act 12 CFR Part 1002.7 - Rules Concerning Extensions of Credit You are subject to criminal liability for violation 15 U.S. Code 1691 as I have proof that I was discriminated against by American Express due to the response I received in the mail. Application Ref. # XXXX American Express is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. code 1602o.

I've mailed an Adverse action letter to American Express on XX/XX/XXXX via certified mail and it was received on XX/XX/XXXX. I have yet to hear back from American Express in response to this matter.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name. # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate
Consumer complaint received 2022-09-28
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)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
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)

I sent a request to Experian to remove XXXX XXXX XXXX XXXX XXXX because of identity theft. Experian sent me a letter stating they did a reinvestigation and verified my information with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Experian did not remove the information as required by 15 USC 1681c-2 ( a ). Experian violated my rights by contacting XXXX for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ).

I have filed an Identity Theft Affidavit with the IdentityTheft.gov website and do not understand why Experian would contact XXXX with my information ( ssn, birth certificate ) and other PII, when XXXX is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, XXXX has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-06-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

On XX/XX/2023 a collection representative of Toyota Financial Services contacted me via phone number ( XXXX ) XXXX XXXX at/or about XXXXXXXX XXXX ( Vermont time ). To collect the DISPUTED ACCOUNT OF MONEY OWED. I told her that she should send all communication in writing and that I filed a CFPB Complaint against Toyota Financial Services. She ended the call and I filed this complaint because I believe that Toyota Financial Services tried to use UNETHICAL collection practices to VIOLATE MY CUSTOMER PROTECTION RIGHTS. Because of the alarming phone call I now need to seek consoling to cope with the additional stress of that phone call.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

On XX/XX/year> I attempted to ask for a reinvestigation and validation of debt that DOES NOT JUST INCLUDE PHONE CONFIRMATION, BUT THAT REQUESTS PROVIDING DOCUMENTATION TO ME THE CONSUMER CONCERNING THE DEBT IN ORDER TO VALIDATE IT AS I AM ALLOWED BY LAW. 

EXPERIAN REFUSES AND REJECTED MY REQUEST FOR REINVESTIGATION OF THE DEBTS AND HAS NOT PROVIDED NOT ONE SINGLE VALIDATION OF THE DEBT INCLUDING, BUT NOT LIMITED TO, debt contract ; purchase agreement; assignment contract, date of last missed payment, XXXX, insurance claim, statue of limitations, etc. etc. 

I request the debt be removed if it is not validated. I also ask that Experian discontinue ignoring the law. Debts include XXXX XXXX XXXX  ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX, Equifax and XXXX has violated my rights by reporting unverifiable public records on my consumer report ( Reference # XXXX & # XXXX ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. XXXX XXXX or Equifax never validated or verified these public record entries on my credit report. Equifax stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that Equifax as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-09-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}