davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (CO)

Account - XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters on a few more occasions but still no response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that does not protect my rights under the fair credit reporting act.
Consumer complaint received 2023-04-25
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. (FL)

I am interested in processing disputes to help clear my credit report with Equifax. alot of information is invalid an needs to be reviewed an deleted. please help check over my file an remove the mislead information that is hindering my file asap.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$87.00} XX/XX/XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$170.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX, XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I was contacted by Portfolio Recovery Associates LLC in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by Portfolio Recovery Associates LLC ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of Portfolio Recovery Associates. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

BANK OF AMERICA : On XX/XX/XXXX of XXXX, somebody made XXXX charges on my credit card, each for {$350.00}. The charges were for concert tickets in XXXX. I was not in XXXX. I have not been to XXXX  since then. The only time I had ever been to XXXX  in my life was XXXX  months before this incident. 

I filed a fraud claim that same day, and they replaced my credit card, but did not credit me for these charges. I waited, and they still never credited me. This should be an automated system that doesn't require my involvement. I kept waiting, and for XXXX  months dreaded having to deal with the problem, so I didn't call again. Finally this week I decided to fix the issue, despite how annoying and depressing it was going to be to deal with. 

After XXXX hours on the phone, I was told the problem would be resolved within XXXX  days. This didn't happen. They finally issued the credit at XXXX XXXX  only to close the claim RULING AGAINST ME at XXXX XXXX, taking the credit back from me. After letting my OBVIOUS fraud claim lie untouched for XXXX  months, they decided to rule against me in the middle of the night without asking me for any documentation or anything. I made purchases in my home state ( NOT XXXX  ) repeatedly around the dates of this supposed transaction, and never went to XXXX, or moved my residence, or anything like that in the last XXXX  months.
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to have a joint account with my former husband XXXX XXXX at Bank of America.

I divorced him because he was involved in XXXX XXXX and fraud to the IRS.

After my divorce, Bank of America has been reporting false information bout my payment records.

I must mention that it was I, who took in the responsibility to made the payments when I was married.

I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive.

My records still have the wrong information that Bank of America reports.

I need to clear my records.

Thank you.
Consumer complaint received 2023-05-22
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX you are in direct violation of the Fair Credit Reporting Act Capital one Account ending in XXXX has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-04-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I am extremely dissatisfied with your bureau 's failure to comply with the law regarding accurate reporting on my credit report. There is fraudulent information present, violating my consumer rights. Whether due to inaccurate, incomplete, or unverifiable reporting, it's crucial that your bureau promptly corrects and removes this misinformation. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. THE XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2023-11-04
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: DISCOVER BANK (GA)

When i got my statement for XX/XX/2023. They want me to pay them for a credit of {$180.00} they say they gave until my dispute was solved. 
I have e-mails from Discover & the sealer where XXXX XXXX played games with Discover about given me a credit & then retract it then but it back. Now they want me to pay Discover {$180.00} by XX/XX/XXXX I talked to twelve different agents.some say i do not owe it.When ask them to take off of my bill for XXXX. They set me to some who has the power & means to do that but they look at the account they say i owe it But they agree i got two credits & when i tell them since i have not used Discover XXXX XXXXXXXX XXXX take XXXXXXXX XXXX  & pay Discover But what got me, they told me after one of them that i did not have to pay the {$180.00} and a supervisor would call me in 24 hrs. & when i called this morning no one there new any thing about that procedure
Consumer complaint received 2023-08-08
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. (FL)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-04-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I'm a previous Bank of the West customer and am now a BMO customer via the buyout. I've experienced bank buyouts before as a customer, and this, by far, was the worst train wreck transfer so far. 

They didn't correctly transfer my bill pay info. There were all kinds of login nightmares that I'm still dealing with. Most of those were resolved by working with their back. However, even today, half the time I can't log in so I try again, and sometimes it will work. Sometimes I have to close my browser tab to get it to work, and even then, it doesn't always work. This is on multiple computers. 

I decided to close all my accounts. Calling into their phone tree XXXX was XXXX. They have a set of XXXX prompts, then another set of XXXX prompts, and yet another set to be able to speak to a human. I wasn't able to close all of my accounts, so I had to make multiple calls. Finally, today, I closed my last account. Well, kind of. I was told if there's an outstanding balance before the account actually closes, the account will re-open. My balance showed {$0.00} since I transferred the money out earlier, and there were no transactions I was waiting to hit my account, so I was confident it would close. My mistake. I logged into my account later that day, and it showed a shortage of XXXX cents. Of course, there's a problem with this too ; why wouldn't there be? 

So I called back using their phone tree XXXX. I spoke with another bank employee, and caught her up on what I did earlier, and what I am trying to do. She also found it odd that the account was still closed, but had an outstanding balance, and the XXXX XXXX didn't show up anywhere in the account transactions, it just showed that amount being owed. 

She escalated the issue and got back to me, saying that I should try to log in, in a couple of days to see if the account balance was back to XXXX. I was extremely irritated that XXXX had to call back for an issue their bank caused, so I asked that I get a call back when the account had been confirmed closed. They agreed. I never got a callback. 

Even now, when I log in, it doesn't show that any of my accounts are closed. I was verbally told the other accounts were closed, but it doesn't show that on their website.
Consumer complaint received 2023-08-08
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. (OH)

I recently got preapproved for a new VA mortgage because I am shopping for a house. The day after, I have received phone calls after phone calls from supposed lenders. Some identifying themselves as working with the VA, or with Experian. Some of the caller have been outright hostile, one even commenting that he had my social and date of birth all ready when I asked to be removed from the call list. When I tried to contact the three credit reporting agencies that must of sold my information without my permission I can not get anyone on the phone. But rather get bumped from automated message to automated message. If the credit agencies are in fact giving my Personal Protected Information out without my permission to unsolicited lenders I am extremely concerned.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid 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: Dave Operating, LLC (MO)

Someone gain access to my account and used my card in 3 different states I never been to completely wiped out my bank account before I noticed it leaving me with nothing. I can't get ahold of anyone on the phone because I don't have access to my debit card. Only option I have is talking to support through the chat which has horrible customer service I'm not a fast typer in the middle of me emplaning what's the issue the customer service rep 's keeps ending our chat because I'm not a fast enough typer which doesn't allow me to explain my situation.