davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, 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 2022-09-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is capital one today on XX/XX/22 i talked to capital one on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Bridgecrest Acceptance Corporation (GA)

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions..

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (FL)

I am writing to report unauthorized accounts on my credit report, a result of identity theft. Despite contacting the credit reporting agencies and the creditor, the issue remains unresolved. The agencies claim the account was 'verified, ' yet I was never part of this verification process. The creditor also failed to verify the account with me. 

I request an immediate investigation and the removal of these fraudulent accounts from my credit report. I also urge the creditor to close the account and clear me of any associated debt. 

Please treat this as a formal complaint and an integral part of my identity theft report.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with Chase wire department. After months of waiting, I decided to do a CFBP report and Chase was able to get the funds back, upon receipt, they said XXXX requested the funds back, I called my contractor and she said she never did a recall to get it back. Chase has sent my funds to XXXX and XXXX is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting XXXX XXXX for stealing my MONEY and JPM Chase for not helping me recover it as a member!! 

XX/XX/XXXX JPM Chase sent my funds back to XXXX XXXX, below is the info : XXXX # : XXXX XXXX # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds Chase sent to XXXX is and I want XXXX to send them back to my Business Chase account so Chase can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting XXXX and Chase for not resolving this matter. 

Thanks
Consumer complaint received 2023-03-25
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. (VA)

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 XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX in 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 2022-11-03
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. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (DE)

I recently mailed dispute documents to Experian on XXXX. They received them via certified mail with tracking @ XXXX, XXXX. As of today, XXXX they have yet to retrieve them from their po box XXXX XXXX, TX XXXX, and initiate the investigation process for those documents. I have spoken to several agents and they all said that the latest documents they have from me is from XXXX. 

I also mailed dispute documents to XXXX on the same date XXXX. They received them the same exact way with tracking @ XXXX on XXXX from their po box XXXX  XXXX XXXX PA XXXX. As of today, XXXX they have yet to retrieve them and initiate the investigation process for those documents. 


They have XXXX weeks left before they have to respond or delete all disputed accounts.
Consumer complaint received 2022-12-03
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISIO to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I paid {$99.00} off my XXXX Victoria secret account according to the amount displayed on the website where Ive made payments while having this account. I called XX/XX/XXXX because I saw on my credit report I owed them {$14.00}. I called spoke with a supervisor who said I accrued interest after my account was paid off. So as of XX/XX/XXXX I accrued {$2.00} interest after card was paid off. XX/XX/XXXX {$6.00} XX/XX/XXXX {$14.00} I never recieved a bill or call from Victoria secrets bank in reference to no payments. After my call on XX/XX/XXXX I received a late fee after I tried to talk to them. I would like all fees credited to me via check since I have to pay it off again and any report of a late fee on my credit report removed immediately
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I visited a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was attempting to transfer money into my chase account from another bank. While I was there, I spoke with a bank teller and explained my request. The teller then involved the manager on duty. The manger told me that there was a problem with the other account and that they were unable to transfer the money. I left the bank and soon found out that whatever the manager did caused my chase accounts to be frozen/restricted. I was unable to use my debit cards, transfer, or withdraw my money. I had to spend several weeks, and a lot of my time and money to get this fixed. Not having access to my funds during this time caused me numerous problems and I also lost income due to having to take time off of work to go to another chase branch in person to get it fixed. As was no surprise to me, the end result was the chase had made an error and access to my account and funds were restored. I never received any compensation and not so much as an apology for any of this.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (FL)

Opened a new credit card account XXXX, 2023 with XXXX XXXX XXXXXXXX ( hereafter referred to as XXXX ) and immediately set up auto-pay. A few months went by using the XXXX card and noticed a late payment fee and then another. Tried to call the XXXX many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the XXXX credit card. I contacted XXXX online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from XXXX to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called XXXX several more times to request correction. One phone rep in Alabama basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said XXXX refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the XXXX am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a XXXX customer for 25 years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and XXXX basically screwed me over and damaged an important part of my life, a great credit score.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA HAS GIVING ME NOTHING BUT PROBLEMS ... IT TOOK ME OVER A YEAR FOR THEM TO GIVE ME THE PROPER AMOUNTS FROM MY EDD PAYMENTS .... I HAVE CONTACTED THEM ALMOST ON A DAILY BASIS IN 2021 ... THEY FINALLY CFREDIT MY ACCOUNT BUT WITHHELD TWO CLAIMS AND ARE STILL DOING SO ... THE AMOUNTS ARE ROUGHLY {$4600.00} AND {$6000.00} THOSE AMOUNTS WERE PART OF THE ENTIRE CLAIM WHICH THEY FINALLY APPROVED I DO BELIEVE IF I HAD NOT BEEN STEAD FAST THAT THEY WOULD HAVE NOT GIVING ME ANY OF MONIES. 
PLEASE HELP ME I LOST MY PLACE WHERE I LIVED DUE TO THAT WHOLE ORDEAL THAT THEY UNECARRILY PUT ME THRU WITHOUT ANY MERIT ON THERE PART. THEY ALSO WOULD EXCEED THEIR TIME LIMITS AND VIOLATE THEIR OWN BY LAWS WITHOUT EXPLANATION OR ANY PROPER DOCUMENTATION.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I am in the process of getting approved for a mortgage. I was informed by a mortgage broker on the XXXX of XXXX that I had a freeze on Experian that looks like it was frozen on the XXXX of XXXX. I did not place the freeze. 

I tried contacting Experian to find out why I had a freeze on the XXXX after finding out from the broker that there was a freeze. Experian 's phone service is abysmal. There is no way to talk to a human and their automated help could not answer my question. I finally emailed them, but their response did not answer the question of why I had a freeze and kept answering questions that I did not ask and dodged the question I did ask. They say I can't talk to a human either. 

I just want to know why my credit was frozen and if I should have any concern it is frozen without me requesting it. 

Note that I did unfreeze the account on the XXXX after creating an account on their website which I did not want to do, but was forced to do.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My complaint is, XXXX is stating they are reporting accurate information to EXPERIAN, XXXX, and XXXX. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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. 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, XXXX, TransUnion have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXXXXXX  regarding the items on my report Creditor : XXXX XXXX , Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX , Account : XXXX Creditor : XXXX XXXX XXXXXXXX, Account : XXXX
Consumer complaint received 2022-12-13
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.