davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (VA)

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under XXXX FCRA and Identity Theft Laws Dear CAVALRY PORT, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the XXXX  Fair Credit Reporting Act ( XXXX  ) and identity theft laws. Specifically, this violation is in direct contravention of Sections 59.1-444 and 18.2-186.3 of the Code of XXXX 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section 59.1-444, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, XXXX  identity theft laws, particularly Section 18.2-186.3, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for XXXX  state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 59.1-444 of the XXXX and Section 18.2-186.3 of XXXX  identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under XXXX  state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (TX)

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Consumer complaint received 2023-09-21
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I am a victim of identity theft and someone compromised my Bank of America checking and savings account. I have filed numerous complaints with Bank of America, but they continue to hold me liable for the accounts that was compromised by someone who stole my identity and impersonated me, and made unauthorized and fraudulent transactions on my checking and savings account.
Consumer complaint received 2020-09-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc
Consumer complaint received 2024-05-10
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: DISCOVER BANK (MD)

I am writing to file a formal complaint against Discover Bank regarding their failure to address and investigate inaccuracies in reporting on my XXXX, and XXXX credit reports. On XX/XX/XXXX, I sent a dispute letter to Discover Bank, disputing how this account is being reported on my credit reports. 

Discover Bank responded on XX/XX/XXXX, stating that the account is reporting accurately. However, upon reviewing my credit reports, it is evident that the account is reporting inaccurately and with incomplete information. In response to Discover Bank 's inadequate resolution, on XX/XX/XXXX, I sent another dispute letter to Discover Bank, requesting a thorough investigation into the inaccurate reporting of this account on XXXX and XXXX credit report. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, Discover Bank has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is apparent that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows only one on-time payment in XX/XX/XXXX, with no data available before or after that date. XXXX is not reporting any payment history at all. Additionally, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " current, '' and XXXX is reporting as " Included on Bankruptcy. '' In both dispute letters, I explicitly requested Discover Bank to provide specific details about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from Discover Bank. 

On XX/XX/XXXX, I sent another dispute letter to Discover Bank, urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, Discover Bank has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Discover Bank 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Discover Bank accountable for its failure to investigate and correct the inaccuracies in reporting on my credit reports.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through Ally financial. 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. Ally financial then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
Ally financial called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

Someone had XXXX XXXX XXXX of a close friebd of mine and was requesting money from me with Chime.Their were XXXX seperate transactions. First one was {$50.00}, then {$150.00}, then {$50.00}. all on XXXX XXXX. within XXXX hours of each other. The XXXX  stated that they were having vehicle trouble and needed Gas then it was for a tow and vehicle repair. All while posing as one of my very good friends using the XXXX XXXX XXXX to communicate. No reason for me to not believe it wasnt my friend. Untill I later called to check on her and she proceeded to tell me that her account had been XXXX and several of her other friends had also got taken and she had requested for XXXX to remove the account immediately but apparently it doesn't happen right away. I then disputed this threw Chime Bank explaining the above and they denied my dispute. After telling me I would be credited back the money in XXXX day and it would take up to XXXX to investigate. They denied it within in hours after this conversation. I then spoke with another Chime service rep who stated she was going to escalate it and it was denied again.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a joint checking account with my husband with Chase Bank. My limit for deposits using the Chase app is {$7500.00} per month. My husband 's limit for the same account is 7-10 times my limit, depending on the day and activity ( currently $ XXXX ). I have complained about this for months and get answers from Chase that there is nothing they can do and, basically, that the computer sets the limits. I don't care that my husband 's limit is so high ; I simply want a limit that is reasonably for the checks that I want to deposit. I receive a lot of checks during the months of XXXX through XXXX and {$7500.00} is too low. I believe it's a form of discrimination because of the huge difference in our limits when my husband and I have been customers of Chase Bank for the same length of time ( which goes back to when the bank was Washington Mutual ). I am tired of hearing that there is nothing they can do. I have called the executive office and have not received any satisfaction ; in fact, I received a basic form letter yesterday that they have no control over the limits ( copy attached ). I don't believe that to be true. Someone sets up the computer algorithms. The bank doesn't like to hear me claim discrimination but there appears to be no other reason for the difference in our limits. I want to be able to deposit checks that I earn during a period of time and I should be able to do that. ( I know my husband can deposit the checks when I am over my limit but I want to deposit the checks that I earn and I should be able to do that )
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACQ Holdings, LLC. (AZ)

On XX/XX/2023, I called XXXX XXXX XXXX about a XXXX collection item I had wanted to set up a payment plan to satisfy fy debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.
Consumer complaint received 2023-10-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (FL)

I have previously requested by mail for PHH Mortgage to outline and clearly explain the terms and conditions specifically pertaining to the Promissory Note to no availability. PHH Mortgage advised instead to decline such a request however this is a violation of the agreement between us. This complaint serves as a last attempt effort for PHH Mortgage to clearly address my concerns to ensure that my rights have not been violated and that the agreement in question does not contain material misrepresentation.
Consumer complaint received 2023-11-16
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: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/XXXX I received and alert at XXXXXXXX XXXX via Truist text messaging to alert me out of sleep that my card was trying to be used for XXXX separate purchases of {$200.00} with merchant name XXXX. These charges were denied and I immediately went to retrieve my card to call truist and report the incident but realized that my card was gone. I called truist to report it lost and was issued a new credit card. I was not alerted by the representative to any other charges nor was i alerted via text. I have set alerts on my card to let me know when or if these things happen. 
Around 10 days after the incident I noticed that my credit score had drastically dropped. Checking my score alerted me to the XXXX large in store purchases made from XXXX XXXX XXXX XXXX # XXXX. XXXX for {$160.00} and the second for {$640.00} made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported this immediately and filed a claim. 
On XX/XX/XXXX I received a letter from Truist stating that the case had been closed for the first XXXX transactions due to never posting to the account. The next day I receive a letter about the charges from XXXX stating that the disputed transactions below ... for {$160.00} and {$640.00} as well as any accused finance charges and/or fees if applicable, will be removed from your credit card balance. It states that I am to still pay my min balance. It states if our investigation does not confirm your dispute you will receive notification that charges will be placed back on your credit card. 
Truist never removed these charges so I called and spoke to a representative and she said that it is still under investigation and can take up to 90 days to resolve and that I would receive an email. She could not tell me why the charges were not removed while investigation as the latter states and said she would escalate it further. I waited till XX/XX/XXXX well past the 90 day mark to check status of my claim and was told the same information that it was still under investigation and that she will escalate it further and I should receive a phone call from truist in XXXX business days ... this did not happen so I called back XX/XX/XXXX and spoke to a representative and let her know I was unhappy about waiting past the 90 days with no other information about the case and that the letter that was sent was never honored. I told he I have been very patient and that I am paying a higher interest rate because these purchases are still on my account and that my credit score had dropped and I'd like to get that taken care of. I requested the removal of the charges again while the further investigate and she connected me to someone else and they told me they would file a complaint for me and to call back in 7 days to check on the status. I believe I am getting the run around by Trusit and I decided to file a complaint.
Consumer complaint received 2021-01-01
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. (IN)

I sent all 3 major credit bureaus XXXX, Equifax, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (TX)

To whom it may concern, I've tried multiple times to have a medical debt that is reporting to my credit verified for accuracy as it does not belong to me. I've sent a certified letter for validation of debt on XX/XX/XXXX and was signed when delivered and yet to get a response. I contacted the collection agency and they have stated that they flagged the account for fraud but yet to remove this item. I've also contacted the original creditor and they stated that they no longer have anything to do with the debt because they sold it to the collection company. 
the account in question has a date of XX/XX/XXXX as opened and status updated XX/XX/XXXX but a balance updated XX/XX/XXXX three different dates with a balance of {$5800.00} original balance {$4400.00}. this account is with allied collection services..
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX