davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2024-04-16
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. (OH)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In mid-XXXX, I was temporarily living in XXXX ( Ive been back in the XXXX since late XXXX ). Apparently because I was living temporarily in XXXX, Bank of America chose to shut down my Merrill XXXX  brokerage account as well as all of my Bank of America credit cards, including some that had unredeemed rewards. They would not confirm for me that this was the reason they closed all of my accounts, but I read similar stories from others in expat situations and even business travelers using their accounts while outside the U.S. 

Anyway, Id really like to have the credit card rewards, such as cash back, that Id earned and that I was never given an opportunity to retrieve/redeem. Id also like the ability to have Bank of America accounts again, especially as my temporary time in XXXX ended in XXXX. Ideally, Id like to have those same accounts re-opened that I used to have. 

Can you help with something like this?
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (MO)

Hello, I Contacted Central Portfolio ( collection agency ) on XXXX, XXXX at XXXX. I spoke with a representative that stated that i owed a medical balance from a hospital named XXXX XXXX XXXX. I stated that the bill was paid in full with a grant to the XXXX XXXX XXXX directly and this was added to my credit report several times before but had to be removed due to account was paid in full. I called the hospital with the Central Portfolio representative on 3 way calling and the hospital verified that i do not have a outstanding balance with them. The hospital even told the collection agency directly on the phone that i do not have a outstanding balance with them. The collection representative from Central Portfolio stated they will send a itemized bill but i never received it or proof that this bill exists. This account has been sold to several different collection agency and have been removed from my credit report before in which my past credit report shall reflect. The original hospital is closed down and now a new hospital is operating under a different name called XXXX XXXX XXXX located in XXXX XXXX, Missouri in the City of XXXX. They sent a paid invoice but the collection agency rejected it because the invoice number was different due to the file being transferred so many times. The balance show that the bill was paid in full on XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. I exhausted all of my resources and i tried to resolve with Central Portfolio, but they are not producing any evidence of a original itemized bill from XXXX XXXX XXXX. Note that the original invoice statement attached will have a different balance and invoice number that the collection agency is claiming due the XXXX XXXX XXXX is now XXXX XXXX XXXX. The dates on the invoice is the same date that collection agency has on their verbal invoice that has not been sent to me as requested. I also gave the hospital the collection agency invoice information in which they could not find in their records. Please let me know how i can get this resolved again and not have it back on my credit report. This has been a ongoing nightmare for the last 5yrs and it keep resurfacing on my credit report but is constantly removed every time. Please help -KINDLY-
Consumer complaint received 2024-03-25
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. (MI)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (SC)

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 2024-03-25
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. (FL)

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$410.00} XXXX XXXX  XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX XXXX XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service XXXX IRS ) XXXX is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this XXXX indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including XXXX indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. XXXX, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this XXXX indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, Experian, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this XXXX indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-XXXX it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a XXXX party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2XXXX Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
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. (PA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score.

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Consumer complaint received 2024-03-25
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. (NY)

The below inquiries were not authorized by me : 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 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I have a checking account with Chase Bank that I opened in the summer of 2022. Chase offers a service to deposit checks using a smart phone by taking pictures front and back. I noticed that Chase is not crediting the funds deposited for up to nine days. I visited the Chase branch location at XXXX XXXX XXXX, XXXX VA XXXX and spoke with two women there. One provided her business card to me, XXXX XXXX. Both ladies said that it can take up to XXXXne month to " process '' my deposit. I spent 15 years in banking in the XXXX. This can not be true. The checks deposited were from large commercial banks, XXXX XXXX and XXXX and the like. Chase seems comfortable with this as a policy. Is there policy legal? What can be done about it?
Consumer complaint received 2023-05-31
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. (TN)

This is to provide additional information from undeniable documents. Please see file attached as XXXX has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to TransUnion online but was unsuccessful.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I signed up for a free month of XXXX XXXX XXXX on or about XX/XX/year>, using my Capital One account. Before the free month was up, on XX/XX/XXXX, I cancelled the service, by following the link in my invoice, and completing the process. 
XXXX XXXX charged me anyway, for the month of XXXX XXXX XXXX. I disputed this charge with Capital One on XX/XX/XXXX and was given a purchase adjustment. I also asked that XXXX XXXX not be allowed to charge my account for further XXXX service, as I was not able to contact XXXX XXXX directly. 
On XX/XX/XXXX, I was again charged for XXXX XXXX XXXX XXXX XXXX on my Capital One account, this time for XXXX XXXX XXXX I contacted Capital One and again disputed the charge and was given another purchase adjustment on my account on XX/XX/XXXX. 
Meanwhile, I was finally able to find contact information for XXXX XXXX customer service. Their representative on XX/XX/XXXX approved a refund for the XXXX XXXX XXXX charge and issued a refund to my Capital One account. 
On XX/XX/XXXX, Capital One rescinded the purchase adjustment for XXXX XXXX XXXX  as XXXX XXXX had issued a refund for that month. 
XXXX XX/XX/XXXX XXXX XXXX In disputed that I had cancelled in time, and Capital One issued a purchase adjustment to XXXX XXXX for the XXXX XXXX XXXX XXXX service. 
On XX/XX/XXXX I again contacted XXXX XXXX and was asked to provide information. I sent screen shots of my XXXX XXXX account showing that I did not have XXXX service on XX/XX/XXXX, the day after I cancelled, and some additional proof. On XX/XX/XXXX, XXXX XXXX replied that they tried to issue a refund, but received an error. 
On XX/XX/XXXX, I again contacted Capital One customer service. I was told that there was a merchant block on XXXX XXXX, and that it would be removed by XX/XX/XXXX. The same day I contacted XXXX XXXX to ask them to try again after XX/XX/XXXX. 
On XX/XX/XXXX, I asked XXXX XXXX customer service if they were able to process the refund as I did not see a refund on my Capital One card account. They were not able. 
XXXX XX/XX/XXXX I again contacted Capital One. This customer service representative told me that there was never a block on XXXX XXXX, and that a refund could not be processed on my Capital One account, " because there is [ something, a block, but she refused to use the word ] that can not be removed. In no known universe does this make any sense. 
If possible, I would like Capital One to allow a refund on my account. 
All contact with Capital One was done on the telephone. 
All contact with XXXX XXXX was done by e-mail.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following FST XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (MS)

These inquiries are on my equifax report and i need them remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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