davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (MD)

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 XXXXXXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear MCM ; Midland ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-07-23
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: Chime Financial Inc (FL)

Chime bank denied putting stop Payments on my checking accounts however XXXX XXXX XXXX  two account. XXXX. XXXX, afirm  all account I paid with my routing and account number all instructions when I happen to go in and check all said same thing that the bank stopped payment this happened towards end of XXXX  thru XXXX I spent 7-8 weeks trying to handle this chime wouldnt help me because they have no records XXXX  XXXX XXXX  was the worst inly  would speak to me twice after that repeatedly hung up on me without ever speaking to me till this day I submitted in the only thing I could was my bank statement which shows money was there and that there is no record if return payment in the interim if doing this XXXX  canceled my card and XXXX  XXXX cancel one card so far both saying for multiple canceled payments which were two maybe three which again account information proves no payment submitted there was sufficient funds so now my balances have all gone up by at least {$100.00} and two cards closed and late reports to credit report and the dispute do nothing!! This isnt my fault I payed on time and if you look at my history multiple times a month so mot late either But I cant get anyplace the bank says the have nothing else to give me the cards dont care and I stuck in the middle with bills going up and up and up and credit score down down down cards closed!!! Mine which is my fault!!!
Consumer complaint received 2023-07-08
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)

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023. Thank you. XXXX XXXX
Consumer complaint received 2022-10-21
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. (GA)

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 items. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (OH)

XXXX XX/XX/2023 I was never late on this account listed above. Please show proof of transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this please remove this alleged late payment from my credit report. The FCRA allows thirty days for this to be rectified.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good evening, This keeps on happening. I settled a charged-off account with Capital One on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my XXXX report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with Capital One 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.
Consumer complaint received 2022-10-29
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (OH)

Third party debt collection company bought an outstanding loan of mine and has called my wife multiple times. The company called my wife last week ( week of XX/XX/XXXX ) and disclosed a debt as well as the dollar amount to my wife even though I was sole owner of the debt. They then proceeded to call my wife again on XX/XX/2023 trying to get ahold of me on my way to work for the night. Not only are they breaking the law by contacting a family member multiple times, they also illegally disclosed personal loan details to someone not on the account.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received 2 emails around XXXX saying that an application for checking account with Bank of America was submitted with another email 2mins after saying that it has been approved. When I checked my bank account ( I have an existing account with Bank of America ), I saw a checking account created ( with {$0.00} balance ) without requested by me. Since then, I have notify Bank of America to close the account and start an investigation.
Consumer complaint received 2022-10-21
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. (DE)

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 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, 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 2022-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm currently a victim of a scam. 

Here 's the story : On XX/XX/XXXX, I got a phone call from a gentlemen posing as a Bank of America representative, informing me that I was currently a victim of fraudulent activity. 

Because I bank with BOA and the fact that he was able to call my phone, using a number that is linked to BOA, I panicked and began following the instructions he provided. 

He told me that a money transfer for the amun of {$3500.00} was being scheduled through XXXX, from my savings account, to an IP address in XXXX. He then said in order to stop tue transfer from happening, I would have to empty out my savings account, which had a total of {$2300.00}. He said that my funds would be sent to the customer service manager of XXXX ( who was " handling '' my case ), until the investigation concluded. After which point, my funds would then be transferred back to my account. 

Long story short, it turned out to be a scam and my savings was wiped cleaned. I opened a claim with BOA the following day and they said that the contingency on getting my money back, would be based upon whether or not they are able to retrieve the funds from the financial institution, that my funds were sent to. Needless to say, I was very unsatisfied and unsettled with that response and the case is on-going. I have a strong feeling that I will not be getting my money back. 

I understand that this is partially my fault, as I didn't do my due diligence initially, by gathering more information before just handing over my money. However, I feel that there is space for Bank of America to hold accountability as well. The mere fact that someone was able to call my phone using a number that is linked to the financial institution that I Bank with, is a problem. 

I need this incident reported and I'm hoping to receive my money back.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX XXXX I applied for a Personal Loan in XXXX. At next day the company called me for an interview, I requested on the call for a person who speaks XXXX, because my XXXX is not fluent. They said that they don't have any person who speaks XXXX, so I spoke with her interviewer. My first disappointment was when she asked me for my XXXX XXXX, when I clearly marked on the Loan Application that I am a XXXX XXXX. They requested by email proof of my income and again proof of my XXXX XXXX. Against my will I sent a copy of my XXXX XXXX. Two hours later I received an email with a deny notice of my loan application, saying that they are " unable to verify information on application '' and " insufficient income and/or assets for loan amount requested ''. My income is more than enough for the personal loan that I requested. 
With this being said, this case seems as a case of XXXX  and XXXX  towards us because we are XXXX. Please I ask to the CFPB to do a certain investigation in this company. ( My credit score is XXXX and I will submit a document showing proof of my credit score ).
Consumer complaint received 2023-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX and I am reaching out to you, because I have an issue with the way my credit utilization is being reported. My score was approximately XXXX as of XX/XX/2023 and my score is XXXX. The credit bureau stated that my credit utilization was XXXX XXXX which is incorrect. I only charged XXXX XXXX of one of my credit cards. My other credit cards all have a XXXX balances. Per the information I received as to how to calculate your credit utilization ratio to determine your credit utilization is a follow : 1. Add up the balances on all your credit cards.

2. Add up the credit limits on all your cards.

3. Divide the total balance by the total credit limit.

4. Multiply by 100 to see your credit utilization ratio as a percentage. 

Based on this, I am using XXXX XXXX of my credit. How can my score go from XXXX to XXXX within 1 month solely based on my having a higher credit card balance on one card and no balance on all other cards. I am starting to think this is purposely happening. Some of my family is experiencing the same issues. Based on research, as long as you stay below 25 % of your credit card usage. Your score should not go down. 

Not only that, my son is an authorized user on my card, which now has decrease his score by XXXX points. 

I would appreciate your assistance in this matter, so that my score can go back to XXXX where it was. I will end up contacting my attorney regarding this, because this is not right. 

I have attached my credit score history so that you can see.
Consumer complaint received 2022-10-21
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. (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. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX Utility, Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # 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 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting Act JP Chase Bank has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo charged me {$350.00} interest on a {$600.00} balance. 

I talk with their Representative and a Supervisor and the Supervisor stated that she would only deduct {$82.00} from the {$350.00} if I pay the whole amount off now which would be {$870.00} today. 

How can they charge that kind of interest on {$600.00}.
Consumer complaint received 2022-10-21
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}