davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AL)

We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (NC)

As of XXXX, Experian is claiming that they are UNABLE to honor the request is sent on XXXX because I provided limited information on accounts. Which is FALSE, Under the provision of Section XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. 

On XXXX I specifically requested that Experian provide me with their method of investigation to the last XXXX investigations.I have attached their negligent response. THIS IS NOT A REINVESTIGATION REQUEST. By law they have to provide me this information As of XX/XX/year>, In RESPONSE to your recent dispute results ( also attached to this complaint ) that were sent to me electronically on XXXX I am FORMALLY requesting a METHOD OF VERIFICATION for the following accounts that were " updated, verfied, updated and verified, or remained the same '' ON THE DISPUTE RESULTS THATS IS ATTACHED : 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  Please provide me with the following information : XXXX. The name, address, and telephone number of the person or organization that provided the information. 
XXXX. The specific documents used to verify the account information. 
XXXX. Details about how the investigation was conducted, including the date and method of verification. 


As a consumer, I am entitled to a fair and thorough investigation of any disputed information. My previous method of verification request on XX/XX/year> and XX/XX/year> WERE NOT RESPONDED TO
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

AmSher is collecting behalf of XXXX. However, the XXXX  account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). 

The LLC was closed and the XXXX was also closed. This remaining balance, XXXX claims, is inaccurate nor is it my PERSONAL responsibility to pay. AmSher has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by AmSher. AmSher also never attended to reach out to me prior to putting this on my credit reports.

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022 I had a personal check that I had made out for {$10.00} to help a charity. Mailed with other letters stolen for the mail box at the XXXX XXXX Chase Bank Branch. The check was subsequently stolen and altered from {$10.00} to {$900.00}. XXXX and written over to another payee.then cashed it at XXXX XXXX XXXXXXXX.thru the ATM. I have filed a claim with my bank to have this investigated and have my money returned. I was told that the bank has 90 days to resolve the situation. Iwas not happy to hear it would take so long but now its been almost 6 months and I still havent been credited my {$900.00} to my account. 
when Ive called to inquire Ive been spoken to rudly even XXXX XXXX on and I have been with chase Bank for 7 years. I need my money back asap.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Consumer complaint received 2022-09-21
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. (PA)

I contacted Equifax 3 daysa week for the past Month. They refuse to help me via the phone. Me and my children have lost our place to live over this matter. My family was in the process of purchasing a home but do to Equifax producing these accounts on my consumer report without Permissible Purpose I was denied by the lender. I have been trying to get this resolved with them for up to a month, but keep getting put on hold for hours and then hung up on. Or told they can not help me over the phone they produce the information they are given by creditors go talk to them. How are you producing information on my consumer report without being validated by me or without my permission. Please help me and my family to resolve this matter.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

On XXXX XXXX there was money taken out my account XXXX then XXXX a minute later and the skylight bank will not refund my money said there was no error then a week later and new card someone tried to take money out again but there was no funds on the card so they sent the second card I just need help getting my funds back thank you
Consumer complaint received 2022-11-20
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard (CA)

The original creditor of this account is XXXX XXXX XXXX and the debt collector is Nelson & Kennard. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by Nelson & Kennard regarding a fraudulent XXXX XXXX XXXX account. I contacted Nelson & Kennard and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called Nelson & Kennard again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.
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: Experian Information Solutions Inc. (WI)

The XXXX XXXX XXXX XXXX XXXX XXXX care account is satisfied/paid in full. However, the still open dispute on this website ( XXXX ) wouldn't allow me to dispute directly on the Experian website.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

The charge of {$570.00} on XX/XX/XXXX, was authorized by me and done illegally. I contacted the Chase customer service and put the transaction in dispute, and changed the card at the same time.The dispute was rejected based on the fact that I had a business with XXXX XXXX  IN month ago, That is true, but the XXXX XXXX  tried to fix my stove months before and destroyed it and I paid {$600.00} for that. I did authorize the first transaction, but never authorized the second. I never let them charge my account the second time and I never let XXXX XXXX XXXX to store my card info.They never invoice me. They just charged second because they illegally store my card info. Chase dispute representatives explain they paid based on the fact that I had business with XXXX XXXX  before, which is ridiculous and illegal. The repas advised me to put the first charge in dispute. I did, sended all docs through the chase reps at XXXX XXXX XXXX, but the dispute center never received the paperwork. Pls refund the charge, which was done illegally on my account.
Consumer complaint received 2018-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

I noticed a negative account from SYNCB WALMART on my credit report for {$4300.00}. I sent SYNCB Walmart a debt validation request letter on XX/XX/18, which they received on XX/XX/18 @ XXXX. They have chosen to Not respond & it has been over 30 days. This is not a valid debt & should be removed from ALL credit bureaus.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (CO)

From XX/XX/XXXX - XX/XX/XXXX, I invested in Blockfis interest and wallet account. These assets have been paused from withdrawals and are rightly my assets. Since these assets are stored in cold storage within blockfi, Im writing this letter hoping that my investments are not used in settling with creditors and returned to myself. 

Currently, my holdings are as follows XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I mailed the Experian requests to validate the debt on XX/XX/XXXX on XXXX I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MS)

I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).
Consumer complaint received 2022-11-20
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. (NC)

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 XXXX XXXX ) Dept of ed / XXXX ( XXXX ) Dept of ed / XXXX. ( XXXX ) Dept of ed XXXX XXXX. ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 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 USC 1681 s-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 in the inaccurate