davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GAMACHE & MYERS, PC (MO)

Firm : Gamache & Myers, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months.

They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on  XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. 

Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time.

I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month.  Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-24
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. (CA)

I dont recognize these addresses please remove. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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. (IA)

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX Bank account XXXX XXXX XXXX XXXX XXXX I stated that it was reporting this account as being 30 days late on XX/XX/XXXX and that that information was incorrect as I had called XXXX XXXXXXXX XXXX  and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was made a large payment to cover the back payment due AS WELL when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.
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. (VI)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-24
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. (NJ)

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

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, Bankruptcy XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
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. (PA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I created a 2nd checking account with Bank of America some months back to allocate funds for vacation. I had planned on ordering and using a debit card for this account for use while my wife and I were out of the country, on a cruise. 

About 2 weeks before our trip ( XX/XX/XXXX  ), Bank of America sent me an email informing me " bill pay '' had been disabled for this account. No ther explanation at that time. 

In preparation for the cruise, I discovered DEBIT cards weren't accepted as a card on file, so I planned to just use my BOA CREDIT card and transfer funds from the checking account in question to cover the balance when we returned home. 

When we returned home, I attempted to transfer the funds and was denied. It is at this point I discovered my checking account was " under review ''.

It has been 15 business days now and my funds are still frozen. I have now incurred interest on my credit card balance I would have otherwise been able to pay off completely had this " review '' not taken place. I had exactly {$2000.00} in this account for vacation. The bank still deducted a {$4.00} maintenance fee after XX/XX/XXXX, although I can not pay my own bills with this money I've been saving for MONTHS. 

This was HIGHLY disruptive to our plans, and there has been no resolution despite multiple attempts and calls.
Consumer complaint received 2023-05-18
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

I just started monitoring my credit in XX/XX/2023 and and was notified by XXXX XXXX that a medical collections account was placed in my name, that I have zero knowledge of, nor have I event been contacted by the agency to be made aware of this account. The only information I have on this owed debt is the following : Account Number : ( Unknown ) Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened : XX/XX/2023 Responsibility : Individual Account Account Type : open Loan Type : XXXX XXXX Balance : {$980.00} Last Payment Amount : {$0.00} Original Amount : {$980.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Past Due : {$980.00} I want to file a complaint due to the adverse action take by this collection agency and it now affecting my credit report when they never reached out to me prior to verify if this debt is even mine!
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting XXXX different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another XXXX so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on XXXX and reporting {$43.00} Payment Status : Current Current Late XXXX  Days Payment says current but then is reporting XXXX  days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late XXXX  Days Late XXXX  Days Late XXXX  Days Payment status say XXXX late days and XXXX say XXXX late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says XXXX different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting XXXX different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting XXXX different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Consumer complaint received 2023-05-18
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
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: EQUIFAX, INC. (IN)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

I went into labor on XX/XX/XXXX and was hospitalized until the XXXX of XXXX. The day I was XXXX from the hospital, was a complete nightmare. My chime bank account was completely empty!! During my stay at the hospital, I had no access to any of my financial debit cards nor was in a state to be on my phone and monitor my financial apps. I disputed the charges right away as it was all the money I had as I was bringing home a newborn baby. I reached out to chime customer service via phone where they helped me file my dispute. I was told I was eligible for a temporary credit and I should receive it within 10 business days while my dispute gets resolved. The total amount of charges I disputed was outrageous! Every transaction went through!! I have no money. Ive waited. Ive called. Its been 11 business days and no one has reached out in regard to my dispute or temporary credit, as promised. Every representative repeats they have no further information? They say I am eligible and to expect it by XX/XX/XXXX, but contradicts themselves by saying within 10 days. It has been 10 business days. Ive uploaded documents and more! This is something I can not control but yet has took such a big toll on me and my family. I just wish chime would be responsible and keep their word! My temporary credit should have been disbursed by now. I am reaching out to you today because I am desperate and I am tired!
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America XX/XX/XXXX ( XXXX ) XXXX to enquire about how far back the bank would honor checks. I was told the bank would only honor checks written 6 months back from the date of issuing. 

On XX/XX/XXXX, XXXX, the bank contacted me via e-mail notifying me with regard to suspicious activity concerning a check dated XX/XX/XXXX, asking me to corroborate if I recognized it. The e-mail stated that I had until XX/XX/XXXX, XXXX ET to respond to the query. I chose to not respond at the time and to attend personally to the bank to attest to the situation the morning after. 

On XX/XX/XXXX, around XXXX PT, I went personally to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to ask for a stop payment on checks written prior to XX/XX/XXXX. As I accessed my account, the bank notified me that a series of checks dating back to XX/XX/XXXX had been cashed out from my account. 

I spoke to the location manager at the facility and was transferred to speak with the checks claims department, who told me that despite the misinformation the funds would not be reimbursed. 

The total deposited amount for the checks cashed was USD. XXXX ( XXXX XXXX XXXX and XXXX XXXX and XXXX dollars ). I told the manager that I had been told no checks dating back to six months would be honor, and was notified of suspicious activity regarding a check the day prior giving me until XXXX ET XX/XX/XXXX to answer. 

The bank refused to acknowledge their liability for honoring these checks, despite being told they would not honor checks prior to six months prior, and despite being told in e-mail that I had until XXXX XX/XX/XXXX to review the case. 

I am attaching a pdf including the cleared check transactions that have taken place for the stated amount, all of which are numbered and for the amounts of USD. XXXX / XXXX. I am also attaching the email from the bank stating I had until XX/XX/XXXX XXXX ET to acknowledge the activity for the check in question.