davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

On XXXX XXXX XXXX I attempted to report fraud and a scam to XXXX XXXX which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX, and was not identified by XXXX XXXX as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this period of 37 days, XXXX XXXX XXXX XXXXXXXX indications that there was any problem with this payment. 
On XX/XX/XXXX, XXXX XXXX closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XXXX XXXX XXXX XXXX XXXX 
I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. 
XXXX XXXX filed a suit for collection against me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested it be dismissed since XXXX XXXX had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond XXXX XXXX requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though XXXX XXXX is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if XXXX XXXX refuses to do a fraud investigation.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-03
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (PA)

I was charged XXXX by Chime for using an out of network ATM, on top of the XXXX fee the ATM operator charged. I understand that this is in alignment with the terms and service that I agreed to, I, however, still believe this to be an extortion junk charge. I am unaware of any technological, physical, or hypothetical justification for charging extra money to complete electronic transfers and quickly. Chime isnt paying anyone anything more for me to access my money. Theyre just charging me for the convenience. 

Further, the fact that it costs me either {$3.00} or 3 to 4 business days to move money from my bank account into my XXXX XXXX account is also junk. I can send {$100.00} to my friend instantly for no fee. And they can send me {$100.00} instantly for no fee. So why can I not send myself {$100.00} instantly for no fee?
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( XXXX ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX  card was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.
Consumer complaint received 2024-01-03
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. (AZ)

This collection agency placed this on my credit report and they have never sent a bill to me, reached out to me or responded to any of my requests that I have this account. No proof. I asked the credit bureau to remove it and have told them for over 2 years this account is NOT mine and I have no knowledge of it and no one from the credit bureaus to the collection agency will show me the validation of this account.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

As of XX/XX/XXXX, my XXXX XXXX card was switched from XXXX XXXX XXXX to Comenity Capital Bank. I called XXXX on about XX/XX/XXXX. I was told that {$680.00}. XXXX in rewards were about to expire and they sent me a check. Not certain of the date of the phone call but I received the check in the mail, and it was deposited in my account on XX/XX/XXXX. I was told that I had to more checks that would be mailed to me after the switch to Comenity Capital Bank is completed. They gave me the amounts of {$580.00} and {$480.00}. I called on XX/XX/XXXX, because I never received the checks. I needed to then file a dispute. I called again on XX/XX/XXXX, and was told it could take up to 90 days to be resolved. I called again on XX/XX/XXXX, and again on XX/XX/XXXX. I was told that it could take a long time because XXXX XXXX XXXX should have sent me those rewards before the switch took place and not Comenity Capital Bank Before the switch took place, I received a letter stating that nothing would change with my card including rewards. I want what was promised when applied for this credit card, I want my rewards.
Consumer complaint received 2024-01-03
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)

According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that XXXX is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. XXXX need my consent to furnish information on a consumer report with a likeness to my name any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.
Consumer complaint received 2021-02-08
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: Experian Information Solutions Inc. (NY)

I have a XXXX XXXX XXXX. I had this card since 2017. It is not showing up on my XXXX credit report or Experian credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to XXXX  and Experian letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.
Consumer complaint received 2024-01-03
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. (KY)

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my EXPERIAN consumer report on 10/08/2023 without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft when my data was stolen from XXXX XXXX XXXX XXXX XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX XXXX XXXX XXXX XXXX. The account number given to me by XXXX XXXX XXXX XXXX 
The claim filed against me on XXXX XXXX XXXX  was issued by XXXX XXXX XXXX XXXX for the amount of XXXX XXXX.After numerous calls to XXXX, and their refusal to help, they referred me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX 
I have also filed a report with the www.identitytheft.gov
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am their checking & savings customer since XXXX and they started charging monthly maintenance fee on my saving account since XX/XX/XXXX. i noticed this charge only on XX/XX/XXXX. When asked customer service about this charge, i was told we sent a XXXX pages terms & conditions letter and in that XXXX of term is the change that was made to my account. I asked them why i was not informed directly via text or call or straight letter about this single change. There is no answer for this question from customer service. without my consent/approval they implemented this change on my account and i would like this board to prevent them doing this kind of deceptive business tactics in future.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.
Consumer complaint received 2024-01-03
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. (WI)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from TransUnion. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. 

Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>. 

I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc. (IL)

I contacted ICS Collection Service twice about a debt on my credit report for {$330.00} for XXXX   bills that did not match with the dates that I was in the hospital. The bills was for XXXX, which was the date that I was released from the hospital. To get this removed from my credit report and to handle this with the hospital I paid the bill by credit card. I was informed by the ICS representative, after the payment is received ICS Collection Service will contact the consumer reporting agencies on the same day to inform the agencies to remove the debt from my report because the debt was paid in full and will send me a paid letter. 

Three days later, I contacted XXXX to verify why the debt was not taken off my report. XXXX representative informed me they had not received any notification of request from ICS Collection Service. There is no message from ICS in their system pending. It was explained, when the collection agency inform them, they remove the information from the report on the same day. 

On Friday, XX/XX/XXXX, I called ICS Collection Services to verify why they did not inform the Consumer Credit agencies, I was told they did. It take the credit agencies 30 -  45 days to remove debts owed from the reports. I explained this was not true. Then XXXX stated he do not know how to call the credit agencies, he just put it in the system. 

This is unfair to me and any other consumer, if we paid the debt it should be removed when the monies are received.
Consumer complaint received 2024-08-13
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. (FL)

Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ).

I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.