davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-10-26
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 AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE XXXX AND EXPERIAN BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Consumer complaint received 2023-04-23
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 Report Act XXXX Account: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 an account without my written instructions. 

This is a fraudulent account ; I did not open any account with this creditor.
Consumer complaint received 2023-03-29
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: BANCO POPULAR DE PUERTO RICO (FL)

I had a credit line tied to a checking account at Banco Popular de Puerto Rico to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and XXXX reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and XXXX without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by Banco Popular is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. XXXX has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.
Consumer complaint received 2024-10-28
Product: Credit 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: Chime Financial Inc (NJ)

I am writing to file a complaint regarding the dispute resolution process conducted by Chime for a transaction that I reported as XXXX Not As Described. Chime did not take proper steps to resolve this issue in line with XXXX dispute guidelines, which require a thorough investigation and verification of claims in cases where the service or product was not as described. 

Details of the Dispute : Account Number Ending : XXXX Claim ID : XXXX Dispute Amount : {$23.00} Date of Dispute Report : XX/XX/year> Transaction Details : Dispute Type - Credit ; XXXX Not As Described Chime concluded that no billing error occurred, despite my explanation and supporting information. Based on XXXX guidelines, in a Not As Described dispute, the issuing bank is expected to verify whether the merchant accurately represented the goods or services provided. It appears Chime did not conduct an adequate investigation or reach out to the merchant for clarification or supporting documentation. 

Why I Believe Chimes Actions Were Inadequate : XXXX. Lack of Documentation Review : I believe Chime failed to collect or assess any documentation from the merchant, as would be standard in such a dispute case. XXXX  guidelines require a merchant to prove that the transaction was as described, which I do not believe was verified. 
XXXX. Failure to Properly Address My Complaint : Chime did not provide sufficient details on the nature of their investigation or steps taken to resolve the dispute. The response was generic, suggesting that my dispute may not have been given appropriate consideration.

3. No Opportunity for Follow-Up or Appeal : Chime did not provide an opportunity to appeal the decision or offer additional evidence, leaving me with no recourse to further dispute the transaction.
Consumer complaint received 2023-03-13
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: Kikoff Inc. (LA)

In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc. (PA)

I have paid a collection account on my credit recently. The agreement was made that if I were to pay the same day with a payment of {$3000.00} on XX/XX/XXXX, the account would be brought to {$0.00} and removed from my credit reports. I have tried multiple times to contact the Collection company for a resolution to clear this as agreed upon yet no actions have been taken and I have been constantly ignored. I have attempted to dispute with the Credit Bureaus themselves, but I havent had much luck either. For a brief summary of the events, I was struggling financially in XXXX due to XXXX, XXXX, & work-hour reduction. Therefore, I seeked help from the City/Municipal office when they released a program for Relief on Rental Assistance due to XXXX ( XXXX ). It was expressed to me that everything would be addressed & handled. Unfortunately there was various forms of miscommunication, untimely responses, unqualified representatives, & unprofessionalism in between that led to the rent go unpaid for months & by the time I was properly notified, legal action was taken & expedited by the Apartment complex management and I had to leave on a very short notice. Never did I physically meet or speak with anyone by phone from the Apartment complex about the entire situation. ( The only communication had was by email & text once the situation was escalated. ) The account went into to Collections soon after, and was sitting there ever since until now, when I've been able to sort of recover economically. I am seeking to buy a home of my own now but this issue with this {$0.00} Collection Account on my Credit Reports is reflecting negatively, which also is affecting my progress. Its been a hard, long struggle, and I just want the Debt Collection/Creditor Company to do what we agreed upon & finally move on in our separate ways!!!
Consumer complaint received 2023-06-27
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. (CA)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I've attempted to make online payments for my Ann Taylor credit card for several months and I'm unable to do so : - I've forgotten my password and when I attempt to reset it through the website, I receive an error message " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' -When I attempted to contact the customer service phone number, I was informed that I would be charged {$5.00} to speak with a live representative. I ended the call. 
- The website offers a way to pay without signing into my account through XXXX where I simply enter my credit card number, my zip code, and my social security number. When I enter this information I receive an error page : This page can not be displayed. We're sorry. This page does not exist or can not be found. Tap or click the " Back '' button to return to the previous page.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/year> Experian Subject : Dispute of Incorrect Information on Credit Report Dear experian Customer Service personal, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed incorrect entries related to my name and address. Please find the details below : Incorrect Name ( s ) : all the names that are not the name that appears on my ID Correct Name : XXXX XXXX 3 Incorrect Address ( es ) : all addresses that are not XXXX XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX  dc XXXX I am requesting that these inaccuracies be investigated and corrected. Enclosed are copies of my ID, proof of address, and any additional documentation that verifies my identity and address. 

Thank you for your prompt attention to this matter. Please update my credit report and provide written confirmation of these corrections. Feel free to contact me if you need further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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 Account number XXXX, XXXX  XXXX Account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

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. Account name : # 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 2024-10-26
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. (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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2024-10-26
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-03-29
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : XXXX has all 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

FOR : CFPB XXXX : XXXX OF XXXX XXXX ( XXXX ) XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUBJECT : : XXXX XXXX XXXXXXXX and CFPB XXXX OFFICIAL VIOLATION FCRA and CFPB XXXX XXXX POLICY REGARDING - FAILURE TO POST COMPANY RESPONCE TO CFPB SECURED PORTOL... 
RE : CFPB COMPLAINT # XXXX..., XXXX XX/XX/year>..., THIS COMPLAINT REPORTS. XXXX violations or conflicts of interest by agency officials, XXXX. INVIOLATION OF AGENCY POLICY AND VIOLATION OF FEDERAL LAW FCRA, VIOLATION CFPB XXXX VIOLATION FTC XXXX XXXX. 
COMPLAINT - XXXX... 
CFPB XXXX OFFICIALS FAILURE ENFORCE CFPB XXXX AND CFPB XXXX XXXX XXXX AND REQUIRING " THE CREDITOR '' SUBJECT OF THE COMPLAINED VIOLATION ( THE COMPANY ) MUST PROVIDE WRITTEN RESPONSE TO MY THE CONSUMER. SPECIFICALLY CFPB OFFICIALS CONTRARY TO AGENCY POLICY AND CONTRARY TO THE FCRA HAVE ( XXXX. ) UNETHICIALLY WITHHELD FROM ME ( THE CONSUMER ) AND ( XXXX. ) FAILED TO PUBLISH TO SECURED CFPB COMPLAINT PORTAL AN ALLEGED COPY OF BANK OF AMERICA ( THE CREDITOR ) OFFICIAL RESPONSE TO MY FILED CFPB COMPLAINT # XXXX DATED XX/XX/year> REGARDING BANK-OF-AMERICA UNETHICAL XXXX AND XXXX XXXX XXXX XXXX FCRA.... CFPB OFFICIAL ACTIONS AS APPLIED TO MY SPECIFIC COMPLAINT IS UNETHICAL AND VIOLATE CFPB XXXX XXXX VIOLATE FCRA AND IS UNLAWFUL... 
FURTHER AS AN XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE WAR POWERS ACT TITLE XXXX UNITED STATES CODE AND CFPB XXXX AND FTC XXXX... AND THE FCRA... THE CFPB " SECURED '' COMPLAINT AND RESPONSE PORTOL IS SPECIFICALLY INSTITUTED TO PROVIDE CONSUMERS TIMELY RESPONSE AND ACTIONS TO PROTECT CONSUMERS FCRA RIGHTS. CONTRARY TO CFPB XXXX OFFICIALS ASSERTIONS IN THIS COMPLAINT... 
No I DID NOT RECEIVE THE REQUIRED WRITTEN RESPONSE TO MY COMPLAINT FROM THE XXXX BANK OF AMERICA... NO response received from XXXX... NO response received from CFPB. No XXXX XXXX  evidence company mailed responses provided by either company or CFPB.... THIS IS VIOLATION OF CFPB XXXX. VIOLATE The CFPB XXXX and VIOLATE the FTC XXXX XXXX XXXX regulations require creditors and consumer credit reporting agencies MUST provide WRITTEN response to the complaint ON THE CFPB complaint Portal. This is to protect consumers ' right to transparency. WHY HAS THE CFPB Broken protocol for this creditor .... The creditor and CFPB actions here as applied to my complaint is UNLAWFUL and violation of the CFPB XXXX and All in violation of my consumer rights under the FCRA...
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. Equifax, XXXX and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX