davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN BUSINESS CRED, REPORTED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THE FOLLOWING NON-MAILABLE ADDRESSE ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : 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  THE FOLLOWING IDENTIFIER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (KY)

I had bank account with XXXX  from XXXX and it was closed and I have no idea why was it closed. 
And then my PNC checking account was closed on XX/XX/XXXX and I cant open bank account
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (FL)

XXXX sent a bill of {$41.00} in the mail. 
For a surpass debt from XX/XX/year>. Why am I just receiving this!! Why is it so much??! And why did FL. Department of Transportation not send me anything before it became {$41.00}!!!! 
Its hard enough to put food on the table for my wife and children!! I dont ask the government for money or any kind of assistance. If this were a {$5.00} debt I wouldnt have looked twice but just under {$50.00} for using a road my tax money helped to build in the biggest XXXX our country has ever seen because of your administration that was installed on XXXX taxpayers. I have had enough of this nonsense. 
Remove this garbage from this petty collection agency and dismiss it. You obviously have my address so where is the original XXXX digit bill?! 
I have had it!!!! XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In XXXX of XXXX I sent a dispute to TRANSUNION, XXXX, and EXPERIEN yet 3 years laterTRANSUNION and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Consumer complaint received 2024-08-21
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: JPMORGAN CHASE & CO. (NC)

A charge was made on XXXX XXXX in XXXX in the amount of about {$9500.00} When I noticed the charge I reported the fraud transaction to Chase Bank After they investigated I was contacted by the fraud department on or about XX/XX/XXXX that after their investigation that someone on the phone had presented enough information about me that they considered it was me and that I would be held responsible for the charge The charge was added back to my card balance I now owe another {$10000.00} without any product is service for it
Consumer complaint received 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a dispute by mail via certified mail on XX/XX/XXXX to Transunion and XXXX for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked Transunion and XXXX to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both XXXX and TransUnion and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. TransUnion is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and TransUnion fails to do a reasonable investigation which is a violation of my rights. XXXX is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and XXXX did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. XXXX also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Today is XX/XX/2023. My wife and I are on day 1 of a three week XXXX vacation. I used my Bank of America Travel rewards card to make multiple purchases. This afternoon, however ( approximately XXXX XXXX XXXX ) my Bank of America card was declined at a bakery. I have a credit limit of nearly XXXX XXXX dollars, carry a XXXX monthly balance, and havent even charged a XXXX dollars worth of purchases since arriving in XXXX less than XXXX hours ago. 

I assumed correctly that the card was flagged for fraud when I called the number on the back of the card and was transferred immediately to XXXX in the fraud department. He performed extensive identity verification and verifications that I indeed made those purchases and had physical custody of the card, and that it has never left my possession. I had added it to XXXX XXXX as well earlier in the day to streamline my purchasing here, and to minimize my exposure to becoming a victim of crime by only pulling out my phone. 

After approximately 10 minutes on hold, I was informed by XXXX that they received an alert that a company I had shopped at was hacked in the past. Mind you, the past being before I had made my purchase. He stated that because of this hacking, the hackers had a portal to view the future and get my credit card number despite the hack coming before the purchase. He stated that my card has been cancelled and reissued, and there was nothing else that could be done. I reiterated that I was out of the country, and asked if the card could be reissued when I returned and was told no. 

While telling me no, he gave me corpospeak XXXX about how this is to protect you and your account I immediately called him out on this, as its not to help me at all. Its 100 % to minimize risk for BOA because theyre on the hook for fraudulent purchases, not me. Theres no way that stranding me on a different continent with no Visa card and XXXX Euros to get through three weeks is somehow helping me. XXXX offered to expedite a card to where Im staying, but Im not able to get mail, and were not staying in the same place for the 3-5 business days he quoted for it to get to us.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-10-29
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-08-19
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. (IL)

The account from XXXX XXXX is having a very negative impact on my credit score while Iam trying to start my business I have been made aware of these accounts and Experian has not provided any resolution after multiple attempts to get this issue resolved I now demand that this account be removed immediately from my credit report
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TN)

VIOLATION OF USC 1681 ( C ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023 I filed dispute for several account reporting late payments on my consumer report in accordance to 15 USC Sec. 1681a-2 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; payment history and utilizations are transactions or experiences between me and corporation, this information is unlawful and never be used in my consumer report.

DEPT OF EDXXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Late Payments Several other accounts using late payments to negatively affect my consumer report.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Comenity ( bread financial ) is only credit card I have which does not display on their statement whether Auto Pay is active on the account. The problem is even after setting it up on the account it may not be effective for many reasons including their unexplained reason it disappeared. I believe their motive is to have cardholders pay their balances earlier than required or double pay if transactions cross. Your assistance is requested to remedy this matter.
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX I went to the Bank of America atm to activate and withdraw money from my prepaid XXXX XXXX  from the XXXX XXXX XXXX here in XXXX Georgia. Ive called and message Bank of America and there solutions are nonexistent. Its there atm that took the card while malfunctioning and yes XXXX could easily replace the card but Bank of America could issue a temporary credit since they know what happened to the prepaid card. I was unable to buy gifts with that money because I never got it. Also Im out of an XXXX XXXX XXXX XXXX XXXX  also. Have employees lying about who Im talking with and assume if a scam when XXXX claims oh we can see the card if its being used. I said if thats true you can see Im not using it so replace it. So XXXX accuses me lying I have a police report and screenshots. I tell all this to Bank of America they suggest on the phone via customer service representative to go in the store and demand my money because they dont deal with prepaid cards or cards not with there bank, They suggest call XXXX XXXX  or go XXXX l to the store again nothing from them even though its there atm they caused the issue .i called the number on the atm they didnt send anyone out they just rebooted the atm which I later learned guaranteed my card wasnt coming back out according to the customer service rep I later talk to.
Consumer complaint received 2023-10-29
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 






I also have supporting documents related to this issue the complaint page will not let me upload onto this complaint which are : The fraud report that i filed, and my drivers license to verify my identity