davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (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 unde

r 15 USC 1681. The letters are stated with items and issues. 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 2023-04-01
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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. (NV)

Greetings. 

APOLOGIES I SENT UNSIGNED AFFIDAVIT AND I AM ATTACHING THE CORRECT FORM BELOW. 
For several months now, I have disputed several accounts that should not be on my consumer report. Some were deleted due to furnishers removing them because they were breaking the law, while Experian- kept sending negative responses, despite my repeated attempts. Every response is archived in my CFPB portal and I also have several physical mail responses documented. 
I now seek remedy for all the damages incurred with credit denials and insanely high interest rates in credit cards. 
Attached below is - An affidavit of truth, pre-arbitration letter, arbitration letter and invoice for the bill of particulars. Tragic it had to come to this.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CT)

On XX/XX/2023 I noticed the deduction from my checking account was increased by {$2300.00}. I called Flagstar bank and was told my insurance was cancelled in XX/XX/2023. The policy was issued in XX/XX/2023 and paid through my escrow at the bank. I called the insurance company, XXXX, and was told I did not respond to a letter to schedule a home inspection. The letter was mailed to an incorrect mailing address, thus I never received it. They had my phone number and email but did not use either to contact me. So the bank took out a homeowners policy for over {$13000.00}. They used escrow funds and 6 days later returned the funds to my escrow all without my knowledge. I live in Connecticut at XXXX XXXX XXXX XXXX. XXXX, Ct. The bank mailed information to me at : XXXX XXXX XXXX XXXX XXXX XXXX, Ct They used part of my Connecticut address and part XXXX, Ma address so nothing was ever received. I would suspect it was returned to Flagstar which should have triggered a different contact method but did not. 
On XX/XX/2023, after speaking with Flagstar bank, I immediately found and secured a new homeowners insurance with an annual premium of {$3100.00}. My previous policy with XXXX was approximately {$2800.00} per year. After numerous hours on the phone with Flagstar I was told the excess withheld on XX/XX/XXXX would be placed in escrow and a check mailed to me for {$820.00}. I asked if anything else was necessary and was told no and the matter was resolved. However, I received a letter from Flagstar dated XX/XX/2023 stating that an insurance charge of {$3600.00} would be charged to my escrow account for the lapse in insurance for approximately 4 months. This amounts to more than my current annual premium. In fact, it showed it was paid on XX/XX/XXXX. I did not approve this and am not willing to be incorrectly charged due to their error The resolution I am willing to propose is to pay a portion of the previous policy premium for the time the policy was not in force. This amounts to approximately {$930.00} or 4 months premium. I can be reached by email or cell phone at XXXX. 

Flagstar Bank XXXXXXXX XXXX XXXXXXXX XXXX, oh XXXX XXXX XXXX I can provide copies of correspondence if needed. 


XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> my debit c ardm was used for {$.00}, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX a XXXX XXXX XXXX. This is a transportation company that only operates in California. I have never been to California nor used this company for any service or products. 
When I made the claim it was denied and the agent stated it was because the card was used in person which is physically impossible. 
I was then told it was denied because the claim included a charge from XXXX for XXXX, Which was a mistake and I asked them to remove it several times from the claim. 
They have refused my claim and refuse to reopen it. These fraudulent charges and they refuse to give any assistance. Also there was a charge for XXXX XXXX in XXXX for XXXX the same day. 
This is XXXX customer service. I have spoken to their compliant department several times. even though they admit that they can see it is not my charge they refuse to assist. This is not the first time they have refused assistance with fraudulent charges on my account.
Consumer complaint received 2023-09-06
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. (CT)

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 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 2023-06-21
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. (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 XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/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 2023-03-02
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

the following complaint is in regard to the previous complaints that have been ignored, disregarded and even marked as duplicate, even tho the complaint was in fact not duplicate.The following account ending XXXX is to be marked as in dispute and has yet be resolved. paypalcredit/synchrony bank closed my account without permission, lowered my credit limit andused my non public private information without consent XXXX XXXX the consumer in fact reached out to paypalcredit/synchrony bank multiple times and once again have been ignored they only respond when i put complaints in via CFPB. I sent an affidavit of facts, debt verification request along with exhibits of paypal credit /synchrony banks deceptive acts and practices and violations of my consumer rights and applicable consumer protection laws specifically but not limited to the FCRA and all its mandated requirements it was delivered on XXXX tracking number # XXXX the file was too big to include the affidavit in pdf form CC : XXXX XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX CC : XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Ceo paypal ), CC : XXXX XXXX ( XXXX Paypal ) CC : XXXX XXXX ( Ceo of synchrony bank ) CC : XXXX XXXX XXXX ( CFO synchrony bank )
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 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 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

During a chat session on my mobile device 4 weeks ago ( Thursday XX/XX/2020 ). One of the Amex customer service representatives cancelled my Amex Card. I did not want nor request this, Besides the fact that this has caused me great irritation as I had my Amex card loaded on most of my travel bookings, I then had to sit on the phone with the representatives for 90 minutes to be told they would let me know in a week if they are reissuing my card.Then I received a letter stating that despite this is American Expresses mistake, my card will not be reissued. They had just charged me 2 weeks earlier {$550.00} for the yearly membership ( taken in advance ), of which I had the possibility to use 3 weeks of 52. Then I had over XXXX points which by their own calculations are valued at between 1c and 2c per point. 

You can see in the attachments they cancelled my card and XXXX 'd my points
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have 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.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX  XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX
Consumer complaint received 2023-06-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management said they are able to report to my consumer report because they mailed me something and it did not come back undeliverable. Congress states I must receive documents from a debt collector via certified mail in order to know that it was received and I acquiesce to the allegations. Midland credit management is in violation of 15 usc 1692 ( c ) b b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Midland Credit Management never had prior consent given directly to them by me to communicate with anyone other than me regarding this alleged debt.
Consumer complaint received 2023-08-21
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. (NH)

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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2023, I was at home when o got an always from my online banking app that my account was low so I checked my account with the online app and I saw a withdrawal from an atm of {$300.00}. I did not make this withdrawal. So I called the Bank of America fraud department and also filed a police report with the north side police station. On XX/XX/2023, the bank temporarily deposited the {$300.00} that was stolen. Then on XX/XX/2023 the bank reversed their decision and stole {$300.00} out of my account without telling me. They said they reversed their decision because the atm was in my jurisdiction ( which is a horrible uninformed decision ) Meanwhile the police have a screen shot of the woman who stole my money. The police know Im innocent and they know someone else is responsible for stealing my money. The bank made the wrong decision and its negligence on their part. Im still trying to get my money back from the bank. There is a police report about the incident where the woman stole {$300.00} out of my checking account somehow. The bank stole {$300.00} out of my checking account and has not given it back.
Consumer complaint received 2023-09-06
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. (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. 

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 2023-01-23
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. (GA)

I have a description all right so in accordance with the fair credit reporting act everything has to be XXXX on my credit report. The credit borders the credit bureaus stated my account wasn't properly investigated. But how is that possible if the date open if the open day isn't accurat the date last active is inaccurate and a date last reported is inaccurate and a date last reported is inaccurate that's is grounds for removal and they rather they also that's ground removal and they also violated my rights under 15usc 1681section 608 602 a states I have the right to privacy 15usc 1681section 604 state that also states that consumer reporting agencies can not furnish your account without my rent permission. So I did not give written permission. So I did not give written permission to these accounts to be furnished on my credit report. So delete these accounts do to violations with all three credit bureau. XXXX, transunion, XXXX