davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from Experian that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-12
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. (MS)

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 XXXX XXXX XXXX Account number : XXXX Account name : TN CHILD SUPPORT Account number : XXXX XXXX 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 2023-06-12
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: Experian Information Solutions Inc. (FL)

I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which us consider identity theft : INQUIRIES : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my ftc report and police report case number.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I went chase bank on the XXXX of XX/XX/2023 and deposit a check into the ATM. The check was from my boss who pays in with checks sometimes. The next day I couldnt access my account I tried calling chase they told me this will be resolved in a few days. I went to the bank several time and they kept saying they check will take 10 days. I eventually went back to the Bank in XXXX XXXX XXXX XXXX in XXXX CT where I was told that the bank needs to verify the check. I asked them to call my boss I have them my boss information personal cell phone, work cell phone and business office number. Chase refused to call saying they dont have the phone number in their system hence they would not be able to call. I asked them to look up the business owner on XXXX or in the CT Secretary of State but they refused. 
My boss and went into the Chase bank in south XXXX with multiple forms of ID, bank statement to show money is available and the check has been cashed by Chase bank. She showed them her business registration and her Driver license and passport to show that she is the owner of business and authorized the check. Chase bank in the branch called customer service said they didnt care whether my boss and i were in the branch with proof. They could only call a phone number they could verify regardless of both manager and i being infront a physical person at the branch. 

They however advised my manager/boss to have her bank retract a check that was already cashed by Chase bank ( her bank said its not possible ). 

On XX/XX/2023. I received in the mail a check XXXX from Chase bank saying my account was closed. I never received my {$300.00} deposit and my boss cant get it back. I am not sure if its some type of profiling but the owner of business was there with me and she is willing to talk to any authority XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX anyone can call her. 

Chase has the money its been cashed and cleared and they wont give it to me or release it back to my boss company. Their excuse is they cant find business in their directory
Consumer complaint received 2023-06-12
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

We both have this joint account on this car loan. And my name is on that car and i need to get it off. And no one will help me. The people we financed it with won't let me have access or get my name off even tho my name is on it not just his and when it comes to that account when I check my credit score I can't even access the full report. He has full access I don't and I want to know why.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

hello, each month bank of america charge me about {$60.00} on my credit card and XXXX XXXX  on my second credit card! 
i pay my bills before the due date! 
thanks
Consumer complaint received 2023-06-12
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. (FL)

SEE ATTACHMENT. 
I AM A VICTIM OF IDENTITY THEFT On XX/XX/2023 I notified EQUIFAX that I am a victim of Identity Theft and that information appears on my consumer report that are identity theft related. I Provided a copy of an Identity Theft Report, my identification and identified the information I required to be block from my report. I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX sent remission letter to XXXX XXXX and Capitol One to dispute two charges {$2400.00} and {$4000.00} on 2 credit cards. 
XXXX Capitol one sent letter stating goods were as described and I could dispute the charges by XXXX which I did and sent by fax with confirmation on XXXX. In that fax I included a copy of my letter of refunding, a copy of the registered receipt from post office and my dispute letter along with the letter from. On XXXX spoke to XXXX he said o needed to send all the info again amd include that we had cslked XXXX XXXX so I sent info on both cases again with fax confirmation. On XXXX I called again regarding crediting the monies back to my 2 cards. Spoke with XXXX @ XXXX XXXX She stated I needed to send copy of sakes purch agreement, how many tubes I had tried to contact XXXX and a second opinion. I asked how to I get a 2nd opinion on a company that scams people she then told me that was optional. I told her she had all that info and she stated they didnt have it on both cases which I know they did. So I asked how can I be assured that this can get to you for the third time and she told me she would send me two separate emails with the two cases that I could upload documents to. On XXXX I uploaded all of the documents west again and included what they were asking for. Additionally, for the third time and uploaded them to the email address that was sent and I have confirmation from both email addresses are the uploads that they received it. I also called back on XXXX @ XXXX XXXX and spoke with XXXX, and she said they had received them. On XXXX @ XXXXXXXX XXXX I spoke with XXXX for 33 min he had trouble finding all the docs so he transferrred me to XXXX. XXXX told me that I didnt file the appeal in time for the {$2400.00} charge. They finally credited back the {$4000.00} account, bit not the {$2400.00} stating I did t send everything in. I stated I sent the exact documentation on both cases so how do you have one and not all of the other. After being in the phone this time around for over and hour and asking to talk to a supervisor while Im at work I told her I would be contacting someone to help with this matter. I used 2 cards for one purchase and they credited 1 card back and not the other which makes no sense. I tried explaining to them even without all the documentation they wanted they are forgetting the fact that I was within my 3 day recession and should have been credited back immediately based on that. 

I am attaching a few files that were sent for both case numbers. I also have the email upload confirmation, but wasn't able to upload at this time.
Consumer complaint received 2023-06-12
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. (GA)

XXXX and Transunion both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX 3 . XXXX XXXX XXXX, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1.XXXX 2 . XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus
Consumer complaint received 2023-06-12
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: SYNCHRONY FINANCIAL (FL)

At credit care/ synchrony bank are saying I never payed off my credit card in which I did there adding additional fee of XXXX when the amount was XXXX And I happen to give them XXXX and XXXX also XXXX because I thought payment didnt go through and from there bank it maxed to XXXX saying I didnt owe anything but it then had error in there system saying I owe. I do not owe this company I completely paid them off and they took my money and over payed it they gave me XXXX back which I will never understand as of why cause they owe me more then that.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (FL)

ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information.

As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option.

Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Your institution must ensure the accuracy of any information you report about me.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. 

Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (PA)

XXXX XXXX XXXX XXXX XXXX was opened XX/XX/23 and charged {$1200.00} without my authorization. Spoke to the card company and they said they will look into it, spoke to XXXX XXXX and they have no account with my name or social.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXX 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 2023-06-12
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: Experian Information Solutions Inc. (OH)

XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.
Consumer complaint received 2023-06-12
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.