davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-07
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: Experian Information Solutions Inc. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with these credit reporting companies 7 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX  and Experian demanding for the rightful deletion by law. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  because it was deemed fraudulent. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports cerifying ID Theft and specific account in question that SHOULD NOT be reporting in   XXXX   and Experian.     I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
Consumer complaint received 2023-11-22
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. (MS)

On my Equifax Credit Report, The XXXX XXXX XXXX ( Closed ) Credit Card Account, XXXX  # XXXX, is INACCURATE ; It contains ERRONEOUS Information. The XXXX XXXX XXXX Account is showing a Late [ Delinquent ] Payment for XX/XX/XXXXXXXX  in PAYMENT HISTORY -- See ATTACHED EQUIFAX SCREENSHOT. I CLOSED this Account in XX/XX/XXXX, and made my Last { IN FULL } Payment in XX/XX/XXXX. I have tried REPEATEDLY to DISPUTE this with Equifax Credit Reporting. Last month [ XX/XX/XXXXXXXX  ], I contacted The XXXX XXXX XXXX, through the Consumer Finance Protection Bureau ( CFPB ), and my own written correspondence. I am ATTACHING The XXXX XXXX XXXX Reply letter to this CFPB complaint. This Letter is PROOF that the XX/XX/XXXXXXXX  Late [ Delinquent ] Payment is ERRONEOUS. This Letter is also PROOF that Equifax DID NOT, and HAS NOT, conducted a THOROUGH INVESTIGATION into this matter. Per the FCRA, Credit Information MUST be reported ACCURATELY. This ERRONEOUS ( INACCURATE ) Account, on my Equifax Report, is ADVERSELY affecting my Credit. URGENT! -- I am ON HOLD processing a Credit Application until this matter is cleared up.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

TD bank gave me a phone number for XXXX. I was trying to give apple a new debit card number because my card had been compromised. TD Bank gave me a fraudulent number to call. It is NOT XXXX. TD bank manager knows they gave out a wrong number and they declined my dispute on all the charges
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (FL)

On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX Accounts listed : XXXXXXXX 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 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank is now denying customers the right to login to their accounts unless they sign a Consent Agreement to receive statements and other documents electronically. Based on my understanding, this is a violation of Federal law. Customers have the right to instruct financial institutions as to what documents, if any, they would like to receive electronically. This consent should not be procured via extortion. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NY)

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I wired {$47000.00} to Bank of America on XX/XX/. When I logged in to verify the payment had been received by online banking was turned off and I was unable to verify they payment has been received. When I called Bank of America I was told a variety of bogus reasons why my banking was turned off, which now prevents from accessing any tax documents or statements, which were there. This practice is unfair and deceptive based on Bank of Americas reliance on the use of online banking. I requested written conformation ( to be received day of not in two business days ) that this payment was received. I was declined this request from XXXX and XXXX. XXXX was especially nonsensical in all of her answers, reasoning, etc., regarding the excuses that she can not do this. Bank of America should NOT turn off someones online banking for paying off their loan.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$13000.00}.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 168. 
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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

3rd month that I am waiting 5 days for my paycheck due to B of A 's new policy that is illegal and actually is not following banking guidelines. See guidelines below. Check coming from same account at same time for 4 years with no issues- like a paycheck should be deposited by next day no issue. 

Funds from check deposits are supposed to be available by the business day after the date of the deposit ( Regulation CC, Section 229.10 ). There are however exceptions that may cause a hold to be placed on the check ( Regulation CC, Section 229.13 ), but the reasons for an exception are clearly stipulated, and none of them apply to my situation, account, or the check in question. BOA, in line with the exception rules states in their Deposit Agreement and Disclosures document ( page XXXX ) that they reserve the right to place a hold on check deposits if : We believe a check you deposit will not be paid You deposit checks totaling more than {$5000.00} on any XXXX day You redeposit a check that has been returned unpaid You have overdrawn your account repeatedly in the last XXXX months There is an emergency, such as failure of communications or computer equipment If these issues are not present, they have not right. What they are actually doing is Usery- they are using our money illegally. 

You have again allowed the bank to put the burden on the people instead of making banking institutions accountable for their shoddy practices. With interest being high they now think that we should wait to feed our families and pay our bills so that they can, a second time, ruin our way of life to make money. 
When is anyone going to step up and fine banks for every mistakes/theft that they make. 
There have been no consequences so far to bad business for banks - how about we change that.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
The accounts i want to delete are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-03-15
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. (SC)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 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 in accurate.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 RE : Account Number XXXX Dear Professional Debt, I am writing this letter in response to your most recent correspondence related to the account number I referenced in the subject line above. I am considering the possibility of settling this debt. 

I accept no responsibility for ownership of this debit. However, I am willing to compromise. I can offer a significant settlement amount in exchange for the following : 1. You agree, in writing to designate the account as payment in full once you are in receipt of the agreed upon payment amount. The account will not be designated as a. paid collections or settled account.

2. You agree, in writing to completely remove any, and all references to this account from all credit bureaus to which you report. 

However, as I do disagree with the total amount owed. I am willing to pay {$1500.00} as settlement for this debt try but in exchange for your agreement to remove all information regarding this debt from all credit reporting agencies, so would you report within XXXX calendar days of receipt of payment. 

If the above mentioned items can be met, Im willing to make the payment on this debt immediately. When I am in receipt of a signed agreement with the aforementioned terms from an authorized representative on your company letterhead, I will pay XXXX  via check, money order, or a cashiers check. 

Please forward this agreement to the address listed above at your earliest convenience, as I look forward to resolving this matter quickly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I ordered a new card and canceled the one ending in XXXX. Chime sent a card and activated it. I reported I did not receive the card and CHIME claims the card was deactivated, however, the virtual card did not change on the app, which means CHIME did not deactivate the card and a new card with a different account number was not issued. I reported the new card lost ; I did not receive it. CHIME issued a new card and both cards were supposed to be in the mail. However, I checked the mail, and the card was not there. My conclusion, CHIME is issuing cards and activating them for criminals to use.
Consumer complaint received 2024-03-15
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)

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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # 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 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.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX bankruptcy XXXXXXXX XXXX XXXX bankruptcy XXXX unknown XXXX consumer XXXX XXXX consumer XXXX XXXX Has violated my rights 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.