davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 2024-02-13
Product: Credit reporting 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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX  report has many errors including my date of birth of XXXX XXXX XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXXXXXX XXXX XXXX.also, my XXXX XXXX  has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (PA)

Date : XX/XX/XXXX Amount : {XXXX  Credit card involved : Chase Sapphire Reserve RE : Eclaims Department of Chase Sapphire Reserve Unethical & Unlawful Credit Card Servicing XX/XX/XXXX : Initial filing of flight arrangement claim due to a medical reason and provided necessary supporting documents. 

XX/XX/XXXX : Received multiple emails from Eclaims asking for similar documents even though it was submitted at initial filling. 

XXXX. I proactively follow-up with Eclaims and clarified over and over again in writing and over the phone about my case but no progress made. The response I received was consistently being the back office staff was working on my claim. The very first red flag was detected when they deleted one of my supporting document from their system, and they asked for that again ( that took several weeks ). The second red flag was they had actually received a document but they asked for that again ( I resubmitted the document and waited another week ). After not hearing from them, I called to verify but was told that the copy of the document was blurry for the claim processor to read?? ( but the document was in fact not blurry ). One representative who answered my call later said that she could actually help to print out a clearer version of the document and submit it to the claim processor?! Well, by now, the claim process at Eclaims department was pretty obvious to me, i.e. Eclaims will always find ways to deter or not to reimburse me regardless if my claim is valid. 

XX/XX/XXXX : I confronted them over the phone, and was told that I had actually submitted everything that they needed, they just had to verify it with the airline about the cost that incurred due to the change of flight ( even though the transaction was clearly printed on my credit card statement?! Another red flag! ). They said it would take another 30 days. 

XX/XX/XXXX : Way after the 30 days period, I called, and guess what, of course another new excuse was given as to why they couldn't process my case! But at least this time they said I should get an update from them within 3 days! Throughout the entire process, Eclaims promised me to provide updates on my status via a phone call but they never call!

Anyway, there are enough complains about Eclaims on a lot of online platform like XXXX or XXXX etc. already, I hope the Consumer Financial Protection Bureau can do something to intervene this unethical practice of Eclaims.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you for taking the time to address some of the fraudulent items in my credit file attributed to an alleged identity theft. However, there are still remaining items that require removal. As mandated by law 605b of the FCRA, I am submitting this complaint along with my new FTC reports # XXXX and # XXXX. Failure to remove the following items, which are reporting inaccurately due to identity theft, will compel me to involve my attorney and pursue legal action. It is my sincere intention to avoid such measures, and I urge you to adhere to the law. Please proceed with the removal of the following fraudulent items, which were opened without my consent or knowledge : TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$8400.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX  XX/XX/year>. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items that bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please be aware that you have four business days to remove the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have never had XXXX XXXX XXXX  ever in my life I already submitted a fraud claim with them a long time ago and was told it was gone get resolved and because it has suddenly popped up on my credit report out the blue saying I owe them XXXX since XX/XX/XXXX which is impossible because my family and I have always had XXXX XXXX XXXX XXXX!!
Consumer complaint received 2024-02-13
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. (MO)

Marked as duplicate IS A LIE EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was told i was able to open a bank account with no issues. So I wasted time and money going to the bank in person and all that wait time. To be told they can not open my account even though I brought my documents. They told me that it was because of XXXX XXXX  and I got in contact with them. They told me they don't have any thing to do with opening a account. That is the decision of the bank and to contact them about it to see what is going on and why they keep giving the run around. I am just trying to open a checking and savings account. I feel that the bank of America is not telling me the truth and not helping me with opening an account. I have check my XXXX XXXX report and there is nothing bad on my report to prevent me from opening my accounts.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm a XXXX  while on XXXX XXXX in the field my car was repossessed which is against the law without a court order This is being reported as a delinquent account with no payment from XXXX XXXX XXXX account number XXXX XXXXXXXX Also this bank never sent a notice of Redemption or a notice of DEFICIENCY. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In accordance with the fair credit reporting act convergent has 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 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (KY)

Experian and XXXX are bringing my credit score down I the past month 1 was open XX/XX/2022 from XXXX XXXX and 1 is XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reel Time Capital LLC (TX)

I am having issues with the same company again in my previous complaint. Case # XXXX. They are calling again using a new number. They have reached out to my family and harassed them. I tried to call that number back, and no one answered. I want to communicate with them only via mail. I do not permit them to call me or any of my contacts. They are threatening to contact my manager at work, which is considered harassment. My next step will be legal if it continues. This is the second complaint from this company, and they are ignoring my request.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (LA)

Alliant Federal   Credit Union is charging me for forced placed insurance on a vehicle that has excellent coverage. I had XXXX XXXX and I switched to XXXX XXXX. Alliant sent me a notice in the mail to verify coverage online with a third party. Ultimately, Alliant is responsible to the government and to the consumer if their third party vendors do not handle issues for customers in a timely fashion. Alliant ONLY allows verification of insurance through a third party. I have uploaded information and called multiple times. I can not get through to the insurance department which is not even at Alliant to verify my information. I have called Alliant, with whom I have my loan to provide this information, however, they refuse to accept it. They have thus increased my monthly installment, which will have negative effects on me as a consumer : increased monthly payment, more interest for Alliant, and negative credit reporting because I am not paying them for something that I have. This is a DECEPTIVE PRACTICE! Insurance XXXX Customer supervisor took information and did NOT assist. I would like for Alliant to be sanctioned! Alliant passes the buck to the third party, however, I can't make my monthly payments to a thirdparty etc.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The credit card XXXX didnt report my XXXX reported 30 days late and XXXX reported on time. The closed date on XXXX, TransUnion was XX/XX/XXXX but it was still listed on those XXXX reports as still open XX/XX/XXXX. I did not authorize with signature the account that was charged off to another company.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

PayPal ID : XXXX I received a payment from 'XXXX  " after completing a job, I was paid via PayPal last week XXXX  with an ID, XXXX, the money was put on hold, but I didn't get any mail of the duration of the reason why the money was put on hold, on XXXX  I contacted customer service and your representative told me it was going to be sorted out in 24hrs to maximum 72hrs, so I waited patiently till XXXX, upon reaching 72hrs the money is still on hold, right now it is up to 96hrs and the money is still on hold and this is not a good and services payment that should be on hold on 21 days, please kindly investigate this. Thanks.
Consumer complaint received 2024-01-27
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. (SC)

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

XXXXXXXX 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 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 2023-06-14
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. (CA)

I need to file a complaint against the 3 credit bureaus. They are in violation of FCRA Section 605b. I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. I need them to be held accountable for their breach of the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating, and it is my right to make some investigations. These are following items I want to remove : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I opened a checking account on XX/XX/2023. I was lied to about my first check deposit which was made for {$1500.00} on XX/XX/2023. They told me a three day hold would be placed. They held it for three days and released the funds on the third day. Only three hours later after I began using my funds they placed my funds back on hold without notice on XX/XX/2023. When I called they informed me the hold was placed back on my check deposit for an additional 10 business days for verification. This was a check from XXXX XXXX my home insurance policy. It did not need more than a three day verification process. 

I was severely mistreated during this incident. They placed me on excessively long hold times. They responded to my pleas to remove the hold by repeating the exact same sentence back to me regardless of what I said which was The hold will be released in 10 business days. This tactic was used until I was in tears from frustration and hung up. My calls were disconnected several times and no one reached back out to me. The physical branch placed me on long hold times and then transferred me to another customer on hold at one point. Then the branch proceeded to refuse picking up my calls entirely. 

On XX/XX/2023 the funds were made available to me for the second time at which point I immediately withdrew them using XXXX. I then called the bank to request my account be closed. They however did not answer my calls. I called 43 times in one hour and they refused to answer. I tried again the next day on my daughters phone and they picked up on the first try. I was then informed my account had a XXXX cent balance which had to be withdrawn in order to close my account. 

On XX/XX/2023 I drove an hour to the branch to collect the XXXX from my account and requested they immediately close my account. The teller told me he would close it immediately. 

The next day I checked and my account was not closed. Once again I attempted to call the branch but my call was ignored. I tried customer support which informed me the account was scheduled to close but it takes a few days. They claimed it had been scheduled for closure later this XXXX the day on XX/XX/XXXX. 


On XX/XX/XXXX I checked and my account was still open. 

On XX/XX/XXXX I once again trekked an hour to the branch and demanded my account be closed only to be informed it would cost me {$50.00} to close my account. I was told if I waited until the next day they would waive the fee since it would be the three month mark since opening. The teller promised he would close it the next day without any further action from me. 

My account is still open. I am at a loss. They refuse to close it. They lie at every turn. Im at my wits end.