davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # 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. Also, this company has violated the XXXX XXXX including deceptive and unfair practices, and their reporting of my nonpublic information.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2021-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I've got a job offer and the company ask me to wire them money for necessary equipments for the job. They were scammers and I contacted the bank ( JPMorgan Chase ) to cancel the payment but they told me to call back once the payment is posted. So I called back this morning once it was posted and now the bank is telling me that there is nothing they can do. The scammers will not receive my call.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and XXXX are both reporting payment history while Trans Union is not. Was I late? When was I late? I don't recall ever being late on my payments.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act, 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 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
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past four days I have tried to access funds from my account at 5 different atm machines located at three branch offices in XXXX, CA. Each time the atm had a notification that withdrawls were temporarily unavailable. I believe someone from Bank of America has made a decision to limit cash withdrawls throughout XXXX to either save money or reduce costs. I can not access the funds in my account. Other atms from different banks with which I have accounts are not having this issue. I believe this is an intentional action that was taken by the management of Bank of America in town. I would like for someone to investigate this matter and hold whomever was responsible for this decision accountable. During this pandemic crisis it is unimaginable that Bank of America can be left to take advantage of their customers for their increased benefit and profit. Banks receive preferential treatment for property taxes and other liabilities because they are supposedly offering a public service. I believe in this instance they have misused their authority and should be held accountable.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and Equifax failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

EQUIFAX on XX/XX/XXXX removed credit line with XXXX XXXX  AND security first bank, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX XXXX violation of the FDCPA and FCRA. Section XXXX ( XXXX ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA Equifax It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following XXXX changes were made to the entry : XXXX. Changed from student loan educational loan XXXX unsecure loan XXXX. Changed from XXXX year of ON-TIME payment TO no payments made XXXX. Changed from XXXX XXXX first TO XXXX 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 XXXXXX/XX/XXXX to XX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (AL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2020-05-06
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: EQUIFAX, INC. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2022-08-15
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. (NY)

up in accordance with the Fair Credit Reporting act XXXX Account # 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 Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (CA)

Iam a victim of identity theft. A collection company named Credit Systems INTL Inc, has reported to XXXX and XXXX a Utility bill that I do not owe. The amount in collections is {$870.00} Fraudulent person used this address : XXXX XXXX XXXX XXXX, Texas XXXX Date opened account XX/XX/XXXX Collection Agency : XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Account # XXXX Date sent in collections XX/XX/XXXX XXXX reporting agency also reporting it on XXXX : Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Original Creditor is XXXX XXXX XXXX Ph # XXXX XXXX XXXX used this account # XXXX Shut Off service on XX/XX/XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX  is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (TN)

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (AL)

Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX   balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. 
I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto loan.
Consumer complaint received 2020-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

XXXX  ; Experian and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jacob Law Group, PLLC (MS)

Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. 
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. 
Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
Consumer complaint received 2020-05-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX  BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-12-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I was misled in signing up for this XXXX XXXX. I was not satisfied with the program so I decided to cancel the service. I was advised that I could cancel the service at anytime without any penalty. So, I cancelled the service. Later I received a notice from XXXX XXXX  that I must pay {$160.00} for canceling. Later I received a letter from EASTERN ACOUNT SERVICES OF CONNETICUT, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Creditor # XXXX XXXX to pay this balance. This company can also be reached at easternaccounts.com. 
This collection is affecting my credit rating. Please help. As stated before I was advised that I could cancel from XXXX  at anytime Than you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX