davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (FL)

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " 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. 

XXXX, XXXX, Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I live in XXXX but am a US citizen. I can not request a free credit report because I have no US address. I can not call any of the major credit bureau customer service lines because they are toll free or demand a zip code. Email contact has had no effect. 

9 million Americans live overseas. How are we supposed to monitor our credit for fraud?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXX XXXX XXXX, XXXX sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from XXXX XXXX. this is also running up the costs on the judgment which seems punitive
Consumer complaint received 2023-04-03
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: JPMORGAN CHASE & CO. (NC)

Re : Account ending in XXXX Transaction : XXXX {$1000.00}, XX/XX/XXXX. 


This transaction is for a flight reservation. I tested positive for XXXX before my departure and couldnt travel. The airlines policy allows for a full refund in this case. After many unsuccessful communications with XXXX  and a complaint I filed with the department of transportation that, to date, went unanswered, I opened a dispute with Chase Bank on XX/XX/XXXX On XX/XX/XXXX, I received a 36 pages electronic letter from Chase stating : -We consider the disputed charge valid. We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. 
-On page XX/XX/XXXX ; in the document provided to Chase by XXXX XXXX The merchant stated that I'd been advised to send them a copy of my XXXX report so they can request a refund waiver from the airlines. Please refer to the attached letter, page 6. 
On XX/XX/XXXX, I sent XXXX my positive XXXX report as requested. On XX/XX/XXXXXXXX XXXX then requested another report with a QR code. I sent them this test as requested. However, I never heard back from XXXX and I still didnt receive a refund. A copy of my email conversation with XXXX is attached. 
I called Chase Bank to re-open this dispute. The agent requested that I upload a copy of my email conversation with XXXX. As you can see, the email communication shows that I indeed sent the merchant the requested positive XXXX  test with the QR code. 
On XX/XX/XXXXXXXX I received an electronic letter from Chase Bank stating : We confirmed that the transactions you disputed are valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. 
Chase Bank violated our card agreement here and didnt handle the case correctly : -The merchant acknowledged to Chase Bank that I'd be receiving a refund waiver upon providing my positive XXXX test. 
-I provided Chase with a copy of my email communication with the merchant showing that Ive provided the positive XXXX test as requested. 
- Chase Bank used the wrong reason code for this dispute. Chase used code 13.7 Canceled Merchandise/Services, while the correct code is 13.6 Credit Not Processed.

-Chase Bank didnt provide any documents showing that Im not owed a refund. The merchant must be contacted again to challenge the dispute.
Consumer complaint received 2022-05-02
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)

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021, I sent a letter to Capital One letting them know that i had recently learned someone had opened a credit card under my name with their company. They refused to acknowledge stating i had not sent sufficient proof. Therefore, I sent another letter along with my police report and my identity theft affidavit and they once again refuse to acknowledge by sending the same letter. Capital One is violating my rights as an identity theft victim by failing to do a thorough investigation and sending me generic letters to cover their part in saying they responded within the limit. I am attaching the letter I sent to them along with their generic letters.
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MECHANICS BANK (CA)

I am writing to address an issue regarding a missed payment that appeared on my credit report in XXXX. Despite receiving confirmation from a representative over the phone that the missed payment would not be reported if I agreed to a payment extension due to financial hardship, it still showed up on my report. I am kindly requesting an immediate correction of this error to ensure the accuracy of my credit information. Your prompt attention to this matter would be highly appreciated.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-18
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: TD BANK US HOLDING COMPANY (CA)

I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX is not my account and was opened fraudulently XX/XX/XXXX in the amount of {$5200.00}. Experian hasn't removed this account because the lender won't remove this account. I need this removed from my account as soon as possible. They did a lazy investigation and claimed I didn't report this sooner. I reported this XX/XX/XXXX that was ignored even though they said this account was opened in XXXX and the loan was taken out XX/XX/XXXX without my knowledge. As soon as I notice I explained this wasn't me and where is the proof? What bank account did these funds appear? I never received the funds and this is the only late payment account showing on my credit report which has hinder many opportunities for me. Costing me hundreds of thousands of dollars.
Consumer complaint received 2023-04-13
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)

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX ACCT  XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT  XXXX DATE XXXX {$980.00} XXXX XXXX XXXX ACCT  XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX ACCT XXXX DATE XX/XX/XXXX {$620.00}
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-22
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 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. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-03
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. (MI)

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 XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 an 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.
Consumer complaint received 2023-04-03
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-30
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$260.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-02
Product: Credit 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: JPMORGAN CHASE & CO. (NC)

I had an unauthorized purchase on the credit card for Amazon Audible. I contacted the bank and they reversed the charge and sent me a new card. However, they did not block the old card and I kept getting charges from Amazon Audible. I again contacted the bank. They again sent me a new card with a new number. However, they not only reversed the Amazon Audible charge but reversed a whole bunch of authorized transactions. I contacted the bank again and went through all of the transactions to re-authorize them. However the bank refused to re-authorize the transactions. My Amazon account was frozen, I received nonpayment and past due notices from XXXX XXXX XXXX and other vendors. 

I can not understand why the bank reversed authorized transactions and them refused to fix the problem after I re-authorized the transactions. They offered me no explanation.
Consumer complaint received 2022-03-02
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-06
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: SYNCHRONY FINANCIAL (IL)

i mailed a certified letter on XX/XX/XXXX and have not had a response back. i wrote them a letter asking to provide proof of the 2 late payments they are reporting on my credit report for all 3 credit bureaus on XXXX and XX/XX/2019 but they have not replied and it is over 30 days.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VA)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : I.C. SYSTEM, INC XXXX XX/XX/XXXX {$2900.00} Untitled XXXX XX/XX/XXXX {$750.00}