davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an
account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/2020, i get a notification that i have. past due bill under my credit report. I have no idea where it is coming from or how much as i stay on top of all of my cards and what i owe. I pay everything on time and it is very important to me to keep a good credit score. 

This late payment is marking my credit history negative in a time where i need a good credit score the most. 

I call Bank of America and they couldnt help me. They did waive late fees or remove the balance. It was for {$12.00} and i paid it, but i asked if they could remove late fees because i had no idea this was charged or was even due and was running late. They said no. I asked if they could block the merchant that is charging the card. They said no i had to figure out who it was and ask them to stop charging the card. I never use this card ever.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX of 2019 I saw a promo on XXXX about a XXXX tool combo set. I clicked to order it, I used my Bank Of America ( BOA ) credit card to purchase this 7 piece tool set. 
This company did not send me any notification at all. Days later I received a worthless piece of vinyl ( credit card holder? ) that the package on it said it was from XXXX, and the weight was XXXX. I kept the package because it was unusual, and thought something was up. 
My credit card was hit with {$170.00} from : XXXX XXXX. I contacted Bank of America, started this dispute. 
This fraud company is good - they said they sent me something. Yes, the worthless piece of vinyl. I even made copies of the envelope that says very small on it " 7 piece tool set '' and the weight ..... XXXX. Right??? 
We went back and forth on this ( calls, letters, faxes, etc. ). There was no way to contact this fraud company : no packing slip, no e-mail, nothing. 
BOA put the PROOF ON ME to show what was to be sent for the {$170.00}. I could not find that ad on XXXX ( and I did later see and took a picture of another scam that company was doing with XXXX  things on XXXX - and people 's comments on that ad said NO - DON '' T GET THIS -- IT'S A SCAM ). So there's another problem. I looked forever for a way to contact XXXX to make them aware of this fraud vender -- and I could not. Sad. 
So, I would not get my {$170.00} refund although the company could not prove they sent me a 7 piece tool set. BOA made me prove it was what I was to get -- and there was no way to prove that besides my package that labeled it -- and the weight was XXXX XXXX ( which should be proof the tool set was not in it ). 
By-the-way, this fraud company is smart. They ship something to you ( to prove they sent something ), they leave no evidence, and they work out of a multi company online place ( like XXXX ) so you can't find them.
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. (NC)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX  account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost 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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX : # 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 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 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a decorated US XXXX Veteran with a decade of active XXXX XXXX. Ive been banking with Bank Of America for years but Ive reached the point I have to speak out. My bank has been repeatedly re-ordering stacking my credits and debits to cause and maximize {$35.00} NSF fees!! Ive let it go for years but to do so during a PANDEMIC while simultaneously dipping into hundreds of OUR billions of dollars of bailout money and free loans.. is beyond reproach. Several times they and other banks have been sued in class action suits over these practices and yet they settle out of court and go and do it all over again. I want a refund of ALL NSF fees charged to me this year at the very minimum. Bank Of America is a disgrace to the flag I laid my life on the line for repeatedly serving my country.
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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 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 2020-04-22
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. (TX)

FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has SOME ARE HIPPA VIOLATIONS
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

I received a mark on my credit report in XX/XX/XXXX for XXXX $ saying they tried to collect from me from some hospital or something ( Which Ive never received any phone calls, letters, emails, etc for ). Ive been in XXXX XXXX military and havent had any procedures dont outside since like XXXX or XXXX. The collection they are referring to must be from XXXX XXXX, where I had to go from a XXXX XXXX  that occurred from a friends dog. I did most of the stuff myself before going into the hospital. I put ointment and wrapped my hand up and cleaned the wound to my best ability, when going into the hospital they said they couldnt stitch it up as it may lock the bacteria in and that I should continue to put ointment and wrap the hand up and keep clean. They gave me antibiotics and sent me on my way. They then tried to charge me roughly what seems to be collected it was about {$1100.00} for literally doing nothing. I called the hospital directly and disputed these charges, the hospital apologized and we agreed and settled for XXXX , they gave me a web portal and my friend whos dog bit me paid the amount right there in front of me which settled what was owed. Now 4 years later they want to collect the FULL AMOUNT? I tried to dispute but to no avail as I dont have enough room to type what all happened in the credit report dispute. THIS IS UNLAWFUL, I paid for what services are were done to me ( which was literally nothing, the doctor actually made my would worse by trying to open it, just to tell me he didnt want to stitch it and had me go on my way ) and what I agreed to pay as it was more fair. Even more ridiculous is Ive never received any notice, phone calls, mail or email about this to try and settle with the collector or the hospital itself. This is outrageous and has impacted my almost perfect credit score terribly. Being XXXX XXXX military with a XXXX XXXX clearance impacts on my credit score effect me tremendously.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, XXXX, and Transunion breach.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I had an amazon credit card for making purchases online. The reason I signed up for the card was that they gave me a credit towards by purchase. In XXXX  0f 2020 I received a statement from synchrony bank/amazon stating I owed {$12.00} for the annual fee. It appears that amazon transfer their account to synchrony bank which now charges for annual fees. 

I went on line and cancelled my account in XX/XX/2020 as I never keep any card cards that require an annual fee. I am now being charge for the annual fee along with {$38.00} per month late charges with interest on what they perceive as an outstanding balance. The card card was cancelled and I have sent an email to synchrony bank with no response. 

I have also tried to contact amazon with no luck. 

Please advice me as what can I do now.
Consumer complaint received 2024-10-29
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-02-21
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. (OH)

I have an account that shows inaccurate information on my credit report from OHIO DEPT OF HUMAN S XXXX. I have filed a complaint before that this account is not accurate. The account is not a proper reflection of what is owed which is XXXX balane.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/2023, I initiated a consumer transaction with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( I ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX " The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open- ended credit. As a consumer, natural person, and original creditor I have an open- ended credit plan, it is unlawful to deny me of my own credit. I am requesting tht your company department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your company or organization civilly liable for non- compliance pursuant 15 USC 1681 ( O ), 15 USC 1640, 15 USC 1691 ( e ). Further more pursuant 15 USC 1691 ( A ) - Activities constituting discrimination, do so state " it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination! Pursuant 12 USC 1431 Powers and Duties of Banks  and Credit Unions have power to lend money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person and original creditor anything.