davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NV)

XX/XX/2021 Contact - Spoke with Amex Bluebird XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ). Bluebird Account closed and I have no way for paying for XXXX  XXXX  prescription. They hold all the money I have to pay to basic living expense. 
Amex Bluebird - XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ) stated they will just have to request a check to be sent -That 's another 7-10days with out money for basic living I stated no you should unlock my card and I will withdraw all my funds IMMEDIATELY! 
The dispute of {$85.00} if FRAUD - NO SERVICE was Render, it part of state Attorney General law sue of XXXX XXXX  XXXX  FRAUD SCAM. SAME SCAM in Nevada and I reported to Nevada Attorney General  XXXX. Attorney General XXXX XXXX announced his office filed a Consumer Fraud Lawsuit against XXXX XXXX XXXX for allegedly making false promises to consumers who purchased a home warranty policy. The lawsuit alleges XXXX XXXX XXXX collected millions from Arizona consumers, but used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.Then the vendor charges {$85.00} prior to denial by XXXX leaving the homeowner with NO SERVICE RENDER. SCAM. SCAM. SAME SCAM IN NEVADA with XXXX XXXX  Plumbing! /the {$85.00} is FRAUD- NO SERVICE RENDER-ADVISE XXXX XXXX XXXX  {$85.00} IS FRAUD - NO SERVICE RENDER!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I spoke to 3 different representatives at Experian about four accounts that was included in a bankruptcy from XX/XX/XXXX and was already reporting correctly on the credit report. I had already took a negative hit on my credit when it was filed in XX/XX/XXXX. Fast forward to XX/XX/XXXX I received alerts from Experian that out of the 16 accounts that were included in the bankruptcy, 4 of them were reflagged as a Bankruptcy and marked in the payment history as if the Bankruptcy was done in XX/XX/XXXX. When that occurred it lowered my credit score from a XXXX to XXXX, ( 15 points ). Nothing else about the accounts have changed except for the dates and Experian marking the account as a new bankruptcy. I have evidence from two credit reports from Experian one dated the XXXX of XXXX ( prior to the new alerts ) and the report after the alerts showing the damage that it caused to my score. Experian has no answer but that the lender is the one that updated it but I told them that I wanted to file a dispute for the Information because it was no reason to update information that was correct. Attached I will highlight the accounts and the problem areas that are incorrect and was changed to hurt my score negativity.
Consumer complaint received 2024-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (DC)

On XX/XX/year> I initiated a transfer of {$55000.00} from my IRA account at XXXX IRA ( XXXXXXXX XXXX ) to my home equity line of credit at my bank, M & T Bank. I used the wiring instructions published on M & T Banks website for domestic wire transfers of funds. 

XXXX IRA wired the funds on XX/XX/year>. M & T Bank claims that they rejected the wire and returned it to XXXX IRA on XX/XX/year>. XXXX IRA claims the funds have not been returned. XXXX IRA also will not identify the bank that performs their fund transfers on their behalf. 

So my funds have disappeared. I have been back and forth with M & T Bank and with XXXX IRA, and neither institution will talk to the other. Neither will own up to having my funds. So Ive lost over {$55000.00} and neither institution will tell me where my funds are.
Consumer complaint received 2020-12-04
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL NAMES listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ALL addresses listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Potentially Negative Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Account Type XXXX  Loan Balance {$4900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - DisputXXXX XXXX XXXX XXXXXXXX. 
XXXX Potentially Negative Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX. 
Account Type Credit card Balance {$160.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXXXXXX XXXX Potentially Negative Status Account charged off. {$470.00} written off. {$220.00} past due as of XX/XX/XXXX. 
Account Type Credit card Balance {$220.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXXXXXX Potentially Negative Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$1700.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Account charged off. {$550.00} written off. {$820.00} past due as of XX/XX/XXXX. 
Account Type Deposit Balance {$820.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Paid, Closed. 
XX/XX/XXXX XXXX XXXX XXXX Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ALL accounts listed are NOT MINE. FCRA violation reporting wrong information in my account, FCRA requiries 100 % accuracy this is unlawful and unjustice to do this to my report causing major damage to my credit score.
Consumer complaint received 2020-12-04
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: Fidelity National Information Services, Inc. (FNIS) (IL)

Dear ChexSystems Consumer ID XXXX My bank has informed me that there is negative information reported by XXXX XXXX included in the file Chexsystems maintains under ( XXXX ). Upon ordering a copy of the report, I see an entry from this bank listing a NON-SUFFICIENT FUNDS of {$270.00} I do not recall having a debit card from this bank in XX/XX/XXXX. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " debit card '' bearing my consumer wet-ink signature or E-signature stating my IP Address with Session, Time Stamp and Browser. In the absence of any such documentation stated above I ask that this information be immediately deleted from the file you maintain under my Social Security number. 

PLEASE REMOVE THE FOLLOWING INQUIRIES : You shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX i have no affiliation whatsoever with these addresses please delete immediately 1. XXXX XXXX XXXX XXXX XXXX, IA XXXX2. XXXX XXXX XXXX XXXX, IL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best Regard XXXX XXXX
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (SC)

Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH XXXX for National Credit Systems about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. XXXX claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for XXXX. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). XXXX wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and NATIONAL CREDIT SYSTEMS HAVE NOT.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (NJ)

The collection previously deleted by Consumer Adjustment Co has been illegally reinserted using false, deceptive and misleading practices. This account was unsubstantiated, unverified, and therefore it was why it was lawfully removed in accordance with the Fair Credit Reporting Act. 

Consumer Adjustment Co commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting  a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

I have attached the reports for comparison.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear XXXX, XXXX, TRANSUNION : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

SImple.com will not accept my lease as proof of residency. They will not accept my mailing address. So, I told them on several occasions to close the account. maybe a dozen times of the last month and it is still open. I have a XXXX  balance. There is no legitimate reason for them to be keeping my account open.
Consumer complaint received 2024-11-15
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. (NJ)

I am filing a formal complaint against XXXX XXXX XXXX for violating my consumer rights under federal and New Jersey state laws. XXXX XXXX XXXX failed to provide me with the opportunity to opt out before sharing my personal financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and conflicts with the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act. 

On XX/XX/year>, I sent XXXX XXXX XXXX a formal opt-out notice, clearly stating that I did not consent to the sharing of my private information. Despite my explicit instructions, XXXX claimed their Privacy Policy and Privacy Notice permitted such actions. However, this policy contradicts the GLBAs requirements and New Jersey laws, particularly the Identity Theft Prevention Act, which enforces strict safeguards for personal information. 

Sharing my financial data without consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), as it involves the unauthorized use of my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Furthermore, New Jersey law voids any contracts or policies that facilitate fraud, intentional harm, or legal violations, making XXXX actions legally indefensible. 

I request immediate action to address these violations, ensure compliance with applicable laws, and prevent further unauthorized disclosures of my personal information.
Consumer complaint received 2023-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act, Capital One Acc XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 

These are the accounts that re appear on my credit report the same day as deletion meaning how can they follow steps to re insert properly if they reappear the same day XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-06-23
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: Experian Information Solutions Inc. (GA)

I submitted a dispute request to the credit bureau Experian on XX/XX/2021 regarding the wrong company name being reported for 2 accounts that are listed on my credit report. I never heard anything back from Experian. So I sent them another letter on XX/XX/2021 letting them know that I never heard anything from them and that the accounts must be removed. Here it is XX/XX/2021 and I still haven't heard anything back from Experian. 
Per the law, the credit bureaus have 30 days to respond, but again here it is XX/XX/2021 and I still haven't heard anything from the credit bureaus, nor seen that they have place the accounts in a dispute status on my credit report. I have signed receipts stating that Experian received each of my written request. This credit bureau has violated so many laws related to the reporting of these accounts as well as not responding to my numerous attempts and also violation of not placing these 2 accounts in a dispute status. I'm requesting an immediate deletion of these two accounts from my credit report. 

Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. 

Account 2 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. I'll include all of the documentation that I sent to the bureaus regarding this issue.
Consumer complaint received 2020-12-04
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: Security Credit Services, LLC (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ability Recovery Services, LLC (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.