davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (MN)

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. 
Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. 
Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. 
Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. 
I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. 
You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. 
See enclosures to verify identity. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an American Express card from the Hilton Honor where they said they would give you XXXX award miles but that you had to spend a certain amount on the card within a certain period of time. When I received the card, I started spending money on it to earn those points. As time went by and I didn't see them credited to my account, I called American Express and they told me that I wasn't entitled to them. That day I cancelled the card because I was upset. The following week I called and a young lady answered and I told her that I wanted to know why they had denied me the points and she told me that I had had points previously with another card of theirs. I told her that that was many years ago and I did not understand why, to which she told me WHEN THEY APPROVED YOUR APPLICATION, THEY STATED THAT THEY WERE NOT GOING TO GIVE YOU THE POINTS. I let her know that if they approved it without the points, the most logical thing would have been for them to send me a communication letting me know that they were not approved and that I did not need to rush to make the expenses in the time established by them. If I had received the communication, I would have canceled the card immediately so that they would not charge me the {$250.00} fee and I would not have made those expenses on the card. I demand that they give me the points that correspond to me and that they return what I paid for the fee for the deception.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

I wan na request these of the followings : Discover XXXX XXXX XXXX XXXX XXXXXXXX All descriptions have been already paid and closed. I kindly report this to get rid of, in my credit report. Thank you.
Consumer complaint received 2023-12-03
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: V and H Portfolio (TX)

It is against the law for anyone to sell an account I have not signed any form stating that this is my account nor did I sign for anyone to sell my an account, I have not supplied proof under doctrine of esptoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor in fact therefore exists.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXX XXXXXXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (OH)

Someone hacked in my account and took {$400.00} out of it and I filed a dispute with the bank and I received an email saying the provisional credit is permanent then they turned around and took {$400.00} out of my XXXX XXXX  which left me in the hole and I couldn't pay my rent so now I got evicted and I'm homeless I've called the bank and they said that escalate it and that was over 2 weeks ago maybe three
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

A large deposit of a Bank Official Check in the amount of {$28000.00} was deposited on XX/XX/year>. It is an Official Check from XXXX XXXX XXXX XXXX. The bank failed to follow Reg CC which requires next day availability on Bank Official Checks. They also did not follow the Large Dollar Exception rule which allows for a hold on funds above {$5000.00}. They placed a hold on the entire amount. Under the Large Dollar Exception rule of Reg CC, {$5000.00} is to be made available within 2 days, and amounts above {$5000.00} can be place on hold for 7 days. The bank placed a 10 day hold on the entire funds. When this information was shared, they indicated the account agreement overrides Reg CC, and they can place a hold on the entire amount and refused to give availability of the {$5000.00}.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I was given three American Express prepaid credit cards ( {$100.00}, {$50.00}, {$50.00} ; only one card # is provided below and I can provide the others as needed ), but no vendors that I can use appear to accept them. I tried XXXX, XXXX, and XXXX. In addition to a regular XXXX purchase attempt, I also tried using one card for top-up my XXXX purchase XXXX. The amount {$0.00} was deducted from my card balance, but the transaction failed. 

I researched this issue online, and it appears to be a widespread problem with AmEx prepaid gift cards. Many users spent hours on the phone with AmEx, but without success in being able to spend their money and recommended seeking redress though the CFPB. Many of these experiences occurred over six months ago, so AmEx has clearly not resolved this structural issue, which looks intentional at this point.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX- Account Credit Card 4. XXXX  - Account ( XXXX XXXX XXXX ) 5. XXXX - Line of credit 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting 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 1681-s-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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NV)

Equifax had a data breach and I was affected. They have come to a settlement and I am choosing to not take their settlement and take the second step in informing them of the next steps I am taking. I have a Notice of demand that protects my name and my information which is bigger than the XXXX XXXX I will attach a portion of it to this complaint. I will also attach showing that my information was breached by them and that they are paying the settlement of {$420.00} XXXX. 
I have the right to my privacy and this company has breached the agreement in protecting my information.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

Synchrony walk around and open fraudulent account without investigated to see if it is the right person applying for cards they open a fraudulent account to close the account. Send me a letter to me. I am responsible for the account I have never received or went to purchase anything with this card. I need them to show me the application, they said I apply for this card. Show me the application and it must match all my information on that application.an so call receipt with my signature on it, I need much much. My signature is on all documents.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

In XX/XX/2023 I made an online credit card account ( XXXX ) payment of {$5200.00} for the prior months total statement balance. When the bank debited {$5200.00}, my bank account was short and the payment bounced. Bank of America from that time has been charging me interest, although I have record of having paid in full and on time for all purchases made. The credit card account is now closed. 

Over the intervening time I have maintained regular contact with the bank, both by various phone calls and XXXX certified letters. There is now an impasse. I maintain bank error is at fault and that I have paid in full all obligations. The bank continues to bill me increasing interest. Nonetheless I continue to keep in contact to show good faith. 

XXXX reports that my XXXX XXXX dropped from near XXXX, where it had been for years, to currently XXXX, due wholly to Bank of America actions. 

I have extensive records of my prior attempts to resolve this problem
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

XXXX XXXX account was opened fraudulently without my knowledge XXXX I have no knowledge about this account because my identity was stolen XXXX XXXX XXXX XXXX {$13000.00} account was opened without my knowledge and I have an FTC report XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal information Address XXXX XXXX XXXX XXXX XXXX, XXXX  was never at this address and need to be removed from my credit report XXXX XXXX  XXXX XXXX wrong address on my profile needs to be deleted XXXX XXXX XXXX XXXX XXXX wrong address on my profile XXXX XXXX XXXX XXXX XXXX need to be removed from my credit report because I had no idea on these
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I exercise my rights as a victim to use Debt Bondage Repair Act with Experian. I submitted a letter stated which adverse items were to be blocked I submitted a OTDA XXXX XXXX confirmation letter from the NYS. 
I submitted my insurance I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. 

Experian stated they could not verify my identity but asked me to resubmit the same document I already submitted to their Experian dispute portal
Consumer complaint received 2024-07-01
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX  XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I leased a XXXX and before the due date I turned it in early on XX/XX/year>. 
I leased another XXXX. For whatever reason the dealership XXXX XXXX XXXX in XXXX NY was playing games. They didn't turn the XXXX over to Bethpage Credit Union nor did they pay off the balance. Finally it was paid off in XXXX and Bethpage considered it closed but has me noted as late payments for 4 months. I disputed it several times but they rejected my plea. I contacted the XXXX XXXX XXXX XXXX and stated this is poor business practice. Nothing resolved. Contacting XXXX XXXX XXXX XXXX again. No response. I can not be held responsible for XXXX XXXX XXXX poor business practices. I am very stressed about this. This should not happen to consumers.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Academy Mortgage Corporation (PA)

We settled on our current house in XXXX, our then lender academy mortgage was managing the escrow of taxes. Somehow the school taxes for XXXX went unpaid by academy mortgage, XXXX was paid but the XXXX  threatened a sheriff sale in early XXXX. Academy mortgage company paid the taxes, sold the loan to XXXX XXXX and left a {$6000.00} escrow shortage causing our payments to balloon by an extra {$500.00} a month for 12 months.
Consumer complaint received 2024-05-21
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. (CA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must perform their duties with fairness, impartiality, and a deep respect for consumer privacy rights. As consumer reporting agencies, XXXX and Experian are obligated to protect my private information. This obligation is further supported by 15 USC 6801, which asserts that each financial institution has a continuous duty to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

Entities that provide information to credit agencies, classified as financial institutions under this law, must adhere to 15 USC 1681 section 604 ( a ) ( 2 ). This section states that consumer reporting agencies can only furnish consumer reports under certain conditions, primarily with written instructions from the consumer. XXXX, Experian, and the information furnishers do not have my explicit consent to share my information, making any previous consent null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without notifying the consumer of their right to opt out. The furnisher of information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) forbids consumer reporting agencies from including adverse information in consumer reports without proper authorization, which means reporting such information without my consent is illegal.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e prohibit the furnishing of inaccurate information to consumer reporting agencies and require the maintenance of reasonable procedures to prevent FCRA violations. XXXX and Experian have not complied with these requirements. 

Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/16 email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (AZ)

been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 1

5 US Code 1681e ( b ). I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.