davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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)

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AE)

I tried to transfer balance {$8000.00} from Discover credit card to XXXX XXXXXXXX on XXXX XX/XX/2022. After 3 or 4 days Discover showing my payment was posted. When i checked my payment on XXXX XXXX, I did not find any payment came from Discover. I told Discover I have not received any amount. 
Then Discover opened a case, and I told them I want do dispute that if payment is not posted. They told me ok. In XXXX Doscover told payment has not cashed out then they resent the checque to XXXX XXXX, still I have not received any amount. I called to XXXX XXXX  to find out any amount came from Discover, XXXX XXXX said no amount found. 
Then I called Discover to find what's going on my payment. On XXXX Discover opened a case to dispute and informed me they will adjust my payment to my account. And I saw {$8000.00} adjusted to Discover. 
And they told me it's for temporary, if they found payment posted they will take {$8000.00} from my account. 
Today XXXX XXXX Discover emaild me that " XXXX XXXX has informed us the payment has posted '' But still I have not received that amount. I talked to Discover they told me I have to talk XXXX XXXXXXXX I already talked to XXXX XXXX they told me there is no such investigation going on my account with Discover. And they have not received any amount from Discover. 
Discover telling me XXXX XXXX told them payment posted But XXXX XXXX telling me there is no such statement like that. 
Discover already charged {$8000.00} Please I would like to complain about Discover, they are playing with me and don't give me enough information which I asked .likewise how XXXX XXXXXXXX told u, how they received, etc. 
Currently I am serving XXXX military XXXX station I can't take this pain anymore from Discover They are not fixing my problem.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. Russell v. Stephens, 191 Wash. 314, 71 P.2d 30, 31.

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. Abdallah , Inc. v. Martin, 242 Minn. 416, 65 N.W.2d 641, 644. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

Ally Financial was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (MA)

XXXX XXXX XXXX XXXX is a debt collector reporting to my credit bureaus claiming a fraudulent account. XX/XX/XXXX I sent them a request via certified mail informing them this account does not belong to me and requesting removal as well as any documentation they have. They refused to reply whatsoever. After researching their company I found they are not licensed to collect debts in the state of Massachusetts. I am a Massachusetts resident. Massachusetts XXXX Laws, Part XXXX, Administration of the Government, XXXX XXXX XXXX XXXX XXXX, Chapter XXXX, Section XXXX : ( a ) No person shall directly or indirectly engage in the XXXX in the business of a debt collector, or engage in the XXXX in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business. 
XXXX Collections is illegally attempting to collect without a license. 
In XX/XX/XXXX I sent them a XXXX Demand notice informing them of my demands for the removal of the account from my records. They failed to reply. In XX/XX/XXXX I sent a third and final notice informing them they are attempting to collect on a fraudulent account, in violation of the FCRA and in violation of numerous federal and state laws. They again refused to reply or correspond in anyway.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX, I entered XXXX XXXX XXXX XXXX XXXX New Jersey branch of Chase ( where I have an account ) and tried to make a deposit of {$500.00} in cash with XXXX of the machines that is situated inside the branch. There was a malfunction of this machine which took my money but then proceeded to shut down and did not give me credit for the cash that I deposited. 

I approached XXXX of the tellers who explained to me that they do not have access to these machines, I was told I needed to call Chase and lodge a complaint and a case would be opened, The teller tried to assure me that there would be a video of me at the machine and and reconciliation of money in the machine not credited would then be credited to my account. 

I left the bank and did call Chase, a difficult option in and of itself. After more than XXXX hours waiting on the phone I was finally connected to an agent who agreed to open a case with my complaint. Within 12 hours I was credited for the {$500.00} cash deposit. 

On XXXX XXXX XXXX the bank reversed the credit. I am no longer in New Jersey by this branch. ( If I were, I would approach the branch itself and demand retribution ). I have started communicating with Chase through their on line app with secure messages. 

Their initial response was " Your calim was reverse because we were uable to locate the fund. we do apology for the inconvenience. If you have any further questions please don't hesitate to reach out to us. '' Please note, this is a direct quote, spelling and grammatical errors are theirs. 

Needless to say, I was not satisfied with this response, I responded further with what the teller told me at the time of deposit ; that upon opening the machine the'lost ' money would be found and credited against my account based upon my claim and a video of the machine at the time I made the deposit. 

To which they replied " Unfortuatey this is not something we are able to process '' I have worked in accounting for XXXX years and I do understand reconciliations. Either someone from the bank stole my money upon opening the machine and finding extra money not accounted for, or more likely, it was credited to a general accout and no one has dug deep enough to find to whom it actually belongs. 

Chase is a big bully and there is not much I can do against them accept close my account with them, which I will do the next time I am in New Jersey. But I would appreciate a higher authority to enforce them to do a better reconciliation of unaccounted monies deposited in faulty machines. I would also like to see them fined for allowing faulty machines to operate and steal money from the public.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : EXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Once again Bank of America has fraudulently opened an account in my name in less than 6 months after my last complaint. Please refer to CFPB complaint XXXX where I noted that Bank of America opened an account despite my putting a fraud alert and a security freeze with XXXX XXXX as well as all the credit bureaus ( XXXX, XXXX, XXXX ) XXXX Bank of America has a very lax fraud system and this is enabling fraudsters to open account at will. CFPB has done little to mitigate despite repeated complaints. Once again I had to call customer service at Bank of America to try and close this fraudulent account. What is Bank of America and CFPBs response to a second time opening of a fraudulent account in 6 months?
Consumer complaint received 2023-02-21
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. (PA)

I am a victim of identity theft. This account XXXX XXXX is a fraudulent account. I previously disputed this fraudulent account and Experian found that XXXX XXXX is inaccurate, incomplete, and had unverifiable information as a result removed this account from my credit report on XX/XX/2023. XXXX days later on XX/XX/2023 Experian reinserted the fraudulent account XXXX XXXX XXXX XXXX Experian failed to comply with FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Experian should immediately delete XXXX XXXX XXXX account from my credit report.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Spoke to XXXX XXXX and they were very unprofessional. would not listen to my concerns and only provided a fax number XXXX, which he then immediately hung up on me. I initially received a credit alert about this activity previously, since I have been a victim of I'd theft. I have not been to XXXX  for medical of late last year and this is a fraudulent claim they refuse to remove. This has dramatically hurt my credit score. Please have this remove and resolved. I am out of options.
Consumer complaint received 2023-02-21
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. (GA)

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 XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-21
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. (PA)

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 AUTO : # 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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : 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 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 2020-04-21
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. (TN)

XXXX XXXX  Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/XX/XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MRS BPO, LLC (FL)

They do not have the identity of the original creator. They do not have the license in the state of Florida, and they have not given me my license numbers and registered agent. And we have already send two letters to take away the negative account.
Consumer complaint received 2023-02-21
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. (TX)

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. 

Account name and number XXXX XXXX XXXX XXXX XXXX XXXX Account name and number : XXXX XXXX XXXX XXXXXXXX ) Account name and number : XXXX XXXX XXXX XXXX ) Account name and number : XXXX  XXXX XXXX XXXX XXXX ) Account name and number : XXXX XXXX XXXX ( XXXX ) Account name and number : XXXX  ( XXXX ) Account name and number : XXXX XXXX  ( XXXX ) Account name and number : XXXX CREDIT ( XXXX ) Account name and number : XXXX XXXX ( XXXX ) Account name and XXXX XXXX XXXX ( XXXX ) 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.

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 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO ()

Dear Sir/Madam, On XX/XX/2020 I filled for a chargeback through Banco Popular. Since then I have been given no updates and when I called could not get any information. Yesterday on XX/XX/XXXX I contacted them again and was given this answer : " Your claim was previously referred to the merchant for consideration. We regret to inform you that until this moment the efforts have been unsuccessful. We are including the documents provided by the merchant for this transaction. '' ( Attached ) But no documents were provided. My guess is that the merchant didn't bother to answer. 

The merchant from whom I demanded the charge-back, never delivered the service I paid for and I have supplied the bank with all the information. 

I am ready to supply any evidence, correspondence you might need. 

Best regards, XXXX XXXX