davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, Transunion, XXXX and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done and was results from Transunion, XXXX and XXXX was that the merchant XXXX will not update to good standing and no late payment.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-24
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that has caused denials. looking over my report these errors an items are not accurate on all 3 credit file. please review an remove the requested items listed in the files asap.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Company is trying to cancel on a debt that has been a charge-off. This constitutes TAX FRAUD, and the matter will be reported to the IRS! I will be filling IRS Form 3949-A. 

Capital One have furnished this account as a charge off. Capital One is in violation of the Fair Credit Reporting Act 15 USC 1681.
Consumer complaint received 2023-10-25
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
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. (LA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I got sick and tyred this Friday of my account being blocked from making a payment. First, I got into my account, but Chime did not allow me to use my computer to send money for rent payment and redirected me to do it on my phone. When I got on the phone, I was not allowed to do it either. So, the agent had been consulting and finally I was transferred to another agency. I was demanded to do a special verification first. They told me to catch the link sent on my phone, to scan both sides of my ID and after that take a selfie. I could not fall through with that suddenly requested nonsense after I along with SS direct deposit was their customer for a several years. My first call took an hour of my time and the link didn't work, the phone was slow and getting frozen, and had a trouble opening the link and when I finally tried to take a picture the agency disconnected and did not call me back. The second call took another hour. In my second call, I asked for a supervisor and didn't get XXXX. I was told that the supervisor will not make a difference. I had to demand agent XXXX to connect me with supervisor. I was kept on hold and still did not get it. The second call took already another hour and when I finally tried to scan my ID again, it clicked and the phone got disconnected, like the picture of my ID got stolen. I told them that I am going to complain to the CFPB, because they obviously did not allow me to use my money, refused to connect with supervisor, created a new rule that was an obstacle not to let me use my money. Something strange is going on against American citizens while XXXX XXXX XXXX XXXX XXXX Why suddenly Chime began to demand from me to use my phone for Chime application and didn't allowing me to do it on my computer. After that saga I tried to access my account back on my computer. This time, I wasn't allowed to access my account. This is obviously outrageous abuse. It didn't look good at all and I feel like picture of my ID got stolen. What it was for? Now, I have do not getting sleep and type with XXXX finger that complaint.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

Hello, I received text from Harris & Harris on XX/XX/XXXX XXXX Am to call or go their website upon calling I was informed I owed {$90.00} for services at XXXX XXXX XXXX for XX/XX/XXXX that I didnt go since XX/XX/XXXX for XXXX this is past due and in collection I dont understand why Harris & Harris and XXXX XXXX didnt call to verify if I was there to destroy my credit
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (GA)

I am submitting this complaint to XXXX  due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On or about XXXX XX/XX/year>, I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX to purchase a previously owned XXXX XXXX. During the test drive, my family and I noticed that the Air Conditioning did not seem to work. Prior to purchasing the vehicle, we raised the AC issue and they said that they would fix it while I filled out the financing as it was likely a coolant issue. After I completed the financing through Bank of America, and put down XXXX dollars as a down payment, I was informed that I would not be able to take possession of the vehicle because they needed to work on the air conditioning issue and it would be another day before it was ready. After several weeks, the issue became a compressor issue that the dealership was unable to fix and the general manager said that we would need to void the contract. This occurred on approximately XXXX XXXX. At that time, I was told that the dealership would send a notice of cancellation to the bank, refund the payment to bank of america and that I would receive my down payment back in approximately XXXX hours. On XXXX XX/XX/year>, I still had not received my down payment and the loan was still showing active. I went back to the dealership and they said they had sent the notice of cancellation and the payment to Bank of America. On XXXX XXXX I finally received my down payment back. As of today, XXXX XXXX, the dealership has still not provided payment to Bank of America. After speaking with bank of america they have said there is nothing they can do until they receive the refund for the financing from the dealership. At this time, I have already had a payment due on the loan for a vehicle i've never been able to take possession of and for a contract which was voided almost a month ago. I am concerned that the actions of the dealership are going to affect my credit and that I will be paying interest on a loan for a vehicle I do not have and will never possess. I have tried to talk to the dealership multiple times to get this issue resolved and have spoken to bank of america on several occasions over the past XXXX weeks. I am now in a position where I am facing paying XXXX loans as my family had to purchase a different vehicle and am having to deal with adverse credit scores due to the dealerships unwillingness to pay back the loan following the cancellation of the contract.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CO)

JP Morgan Chase XXXX has been harassing me and blatantly violating the FDCPA practices for a bill thats not even late. I have never experienced such abuse from a financial institution. why they have not fixed the late fees they said they would or why I receive harassing phone calls from XXXX XXXX daily, 5x calls per day on avg
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024, I was targeted for a scam. I received XXXX texts asking if I made some charges which I did not. They immediately called me saying that wire transfers were happening as well. Of course I panicked and followed their instruction. When I thought I was undoing a wire transfer of {$19000.00}, I was in fact doing a wire transfer and unbeknownst to me, it was a Bank of America account to someone that opened a fake account. The money went into that account and when I figured out what had happened, I notified XXXX. XXXX did everything they could but told me that Bank of America would. have to give me back my money. I did some background checking and the money went into an account " opened '' by a XXXX XXXX that said lived in Nevada. He lives in CA and has a XXXX XXXX Account. NOT a BOA. I have tried to reach out BOA on XXXX and they tell me that I must deal with XXXX. This is ABSURD that people are able to open up fake accounts and funnel/launder money this way. I am over XXXX and this is a lot of money for me.
Consumer complaint received 2024-06-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

Wrongfully claiming I owe XXXX $ plus dollars to a XXXX  dealer over 10 plus years ago which is completely false then illegally furnished my non public information to a XXXX XXXX law firm who is now trying to collect on the over 10 year old wrongfully reported Debt which has yet to be proven
Consumer complaint received 2023-11-06
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. (TX)

XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX TransUnion LLC Consumer Dispute Center XXXX  XXXX XXXX  XXXX, PA XXXX credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. I Was NEVER Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. I Was NEVER Late XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.