davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2023-04-18
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: EQUIFAX, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-10-06
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. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 year

s. 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 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX Balance Owed : {$290.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXX Balance Owed XXXX {$640.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i like to file my cliam against Capital One the compliant is about a big deposit of {$130.00} in my account form some payees... now after 4 months is the funds still not avialebel and they keep saying that they need to make an investigation. I provided them with all documents which I will provide these documents are proof of everything showing that these funds are going out and sinegd latters from the payees by notary poblick supervethion. Capital One keeps saying they have to investigate and after that thay said that the investigaition is done and thay trying to send the money to the payees, what is not true ... one of the banks is XXXX  XXXX XXXX. Capital One also told me I have to wait for the other bank to reverse the funds that my money is pending from XXXX  XXXX XXXX. The person who gave me the check said they called XXXX  XXXX XXXX and they said no funds are pending and nothing happened so I called Capital One again to let them know that XXXX  XXXX XXXX said nothing was pending and Capital one said " maybe it was not the right person he doesn't know what they are talking about. '' I requested Capital One to give me an explanation as to why they are keeping my money. My opinion is that Capital One just wants to keep my money and don't want to give me my money. I need my money. please open the eys and see the unfer behaiver from capitel one bank with no any time frame comitment...
Consumer complaint received 2023-10-06
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. (PA)

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 : DEPT OF EDXXXX 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 2021-01-07
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: EQUIFAX, INC. (TX)

he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (OH)

I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX Equifax XXXX XXXX I told them I did not inquire for anything an they still havent removed these inquiries from my credit report
Consumer complaint received 2023-10-06
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)

XXXX has violated the FCRA by reporting inaccurate information on my credit report. XXXX acct # XXXX opened XX/XX/2019 is reporting on my credit report as charge off/collection. This is NOT my account. This erroneous information is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had been paying my phone off for XXXX XXXXXXXX financing through Bank of America auto Bill Pay for nearly 3 years. Never missed a payment with them or ANY creditor. I've worked so hard to get and keep my credit up. My bill pay paid all my bills until, unbeknownst to me it just stopped for no reason. I learned this am that there was an issue when I looked on my credit karma account and learned that the Bank of America auto bill pay did not make the scheduled payment on XXXX and XXXX and my credit score took a bashing! This is the ONLY late payment or any derogatory marl and was NOT of my doing. I pay all my bills on time, every time. 
This issue is one caused by BOA bill pay suddenly not making the last 2 payments. I spoke to XXXX XXXXXXXX this am and paid them the full remaining balance ( approx {$130.00} & change ). The XXXX XXXXXXXX rep volunteered to me that he's seen this happen many times that a customer had a seller payment history, and paying through auto Bill Pay and it stopps. He advised I speak to BOA to get the fees credited by them and get help removing this from my credit file. I called BOA after that and the rep needed to verify the fees with XXXX XXXX so she called and we were in a 3 way call. Then as I was speaking the call dropped. I didn't know what to do since the call to XXXX  was a 3 way call initiated by BOA. I tried to call BOA back. It took forever to reach someone and then she was having technical difficulties and had a supervisor call me. When that supervisor called, we were in the midst of discussing and I was hoping to get everthing resolved and AGAIN- The call dropped! I called back to XXXX  to ensure they had issued the {$40.00} credit and they had. But I was to get BOA to refund me XXXX for the other fee. And help to get this off my credit file. 
I went to my BOA inbox and they had sent a message but did not acknowledge the XXXX refund. They also didn't say anything about addressing the ding to my credit. 
I want this fixed! 
This was not MY doing. 
BOA did not pay the auto payment. From looking on line, this is a complaint others have made. 

Please help me get this sorted out. I worked so hard for so long to get my credit score to where it was to have it damaged due to no fault of my own.
Consumer complaint received 2023-10-06
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. (GA)

I noticed that your company is continuously reporting inaccurate and incomplete accounts on my credit report. I never failed to inform you numerous times via mail about this issue however, I have never received any actions on your end. Please delete these inaccurate accounts on my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (GA)

I noticed that your company is continuously reporting inaccurate and incomplete accounts on my credit report. I never failed to inform you numerous times via mail about this issue however, I have never received any actions on your end. Please delete these inaccurate accounts on my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RENASANT CORPORATION (GA)

I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from Renasant Bank involving XXXX this inaccurate account is causing me stress and XXXX  and it also affecting my XXXX  and financial health
Consumer complaint received 2023-10-06
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # 7569965, 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 2023-10-06
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
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. (TN)

I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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: DISCOVER BANK (MD)

So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from Discover ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-04
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. (NJ)

I am writing to bring to your attention the unresolved issue concerning the late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Subject : Complaint Against Chase Bank for Unjustified Account Closure and Prolonged Holding of My Legitimate Assets Dear Consumer Financial Protection Bureau, I am writing to express my serious concerns and distress over Chase Bank 's unreasonable closure of my account and prolonged withholding of my legitimate assets. Their actions have caused me significant harm and have severely impacted my daily life. 
The extended retention of my funds has led to a detrimental drop in my personal credit score as I have been unable to make timely credit card payments. All my money is held within this Chase account, leaving me without even the means to afford basic necessities like food. 
Despite numerous attempts to communicate with Chase customer service, I have been met with resistance and lack of assistance. Notably, a representative from Chase 's fraud department named XXXX displayed particularly egregious behavior. Upon sensing my intention to lodge a complaint, XXXX refused to provide their employee ID, made baseless accusations that I was profiting from my personal account, and attempted to manipulate me verbally into admitting as such. This conduct has added to the distress I am experiencing. 
Given the grave implications of this ordeal on my life, I am urgently requesting : Immediate reinstatement and unlocking of my account. 
The prompt return of my legitimate assets. 
Restoration of my account functionalities. 
Compensation for the distress, inconvenience, and financial loss incurred due to their actions. 
I am relying on the Consumer Financial Protection Bureau 's assistance in resolving this urgent matter, restoring my trust in the banking system, and ensuring that such actions by financial institutions are addressed swiftly and justly. 
Thank you for your attention and intervention. I await your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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: Resurgent Capital Services L.P. (AL)

According to the law in my state the debts in question is past the legal statute of limitation under contract law to collect. I lived in Alabama. 

LVNV Funding LLC is suing me for {$2100.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$6600.00} XXXX XXXX is trying to collect {$650.00} XXXX XXXX is trying to collect {$550.00} on
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.