davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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. (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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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 2022-12-23
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. (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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : DPT ED/XXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am submitting this CFPB complaint to express my deep concern regarding the unresolved dispute over erroneous accounts and information that has been inaccurately reported on my credit file. Despite diligently disputing these discrepancies for the past 36 months, I have yet to receive a satisfactory response from the Credit Reporting Agencies. This has caused significant distress and financial implications on my part, and I DEMAND their immediate attention to rectify this situation. I firmly believe in the utmost importance of maintaining accurate and up-to-date credit information, as it directly affects my ability to obtain credit, loans, housing, and employment opportunities. Therefore, I DEMAND the complete removal of the following erroneous accounts from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} - Charge Off XXXX  XXXX CC XXXX Balance : {$0.00} - Charge Off XXXX XXXX XXXX Balance : {$0.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - Charge Off XXXX  XXXX Balance : {$0.00} - Charge Off ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( FCRA ), it is the Credit Reporting Agencies ' duty to ensure the accuracy and fairness of the information they report. Failure to comply with the FCRA can lead to legal consequences, and I DEMAND that they avoid such a situation through their expedient resolution of this matter.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2023-01-05
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. (CA)

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 XXXX  and Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WV)

It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, Equifax and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!
Consumer complaint received 2023-01-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

there was an inquiry on XX/XX/XXXX and the company does not have any record of credit card opened under name. Called on XX/XX/XXXX to Kohls and they researched the request.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by RENT RECOVERY SOLUTIONS in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. I would like for this account to be removed from account Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. 
I refuse to pay this debt. 
Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, 225 F.3d at 404-05. ) Regards,
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX XXXX XXXX  and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Consumer complaint received 2024-04-01
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. (NC)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$640.00} - late/OPEN - XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} - late/OPEN - XXXX, XXXX, XXXX
Consumer complaint received 2023-01-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (OH)

Back in the XX/XX/XXXX, my mother and I went to the US Bank branch in XXXX, Ohio to add a beneficiary to the account. That's all we inquired about and then signed up for what we needed. Then in XX/XX/XXXX, a mobile transfer credit was not authorized from savings to checking between these accounts after checking the statements online. We immediately went to the branch to close both accounts and start again due to fraud activity with fresh new accounts believing these old accounts were closed. After 6 months, we received only one bill from US Bank for the closed checking account in the amount of {$170.00} without any regard as to what it was for or an itemized summary of the charges. After calling the number listed on the bill and getting no answers as to what equates this charge, we find only the amount is now {$170.00} on a Reserve Line of Credit and should go to the branch. We immediately went to the bank branch on XXXX XXXX in XXXX, Ohio, to figure this out. Mind you, my mother and I have been getting strange calls claiming to be US Bank, calling back to be asked for our account numbers (? ), social security numbers or just to simply to call back and just leave a message. ( We did not divulge any personal information. ) I left a message about two weeks ago from the US Bank Fraud Department XXXX ( name and number only ) and have not heard back since. Mind you, the branch could not verify this number originally ONLY after my second visit in XXXX regarding this Reserve Line of Credit. Nonetheless, the branch informed us apparently, the old account was not closed AND a Reserve Line of Credit was added to the closed checking account without our knowledge. The branch could not give us an itemized summary of these charges. After coming home, hunting and pecking with rude US Bank customer service regarding this charge, this bank, for example, added a deposit on XX/XX/XXXX, in the amount of {$50.00} via the Reserve Line of Credit as well as numerous late fees since the close of the account we knew nothing about totaling {$170.00}. Again, on a CLOSED checking account? I also received a strange letter on XX/XX/XXXX, informing us the old checking account needed to be closed by XX/XX/XXXX? In summary, there was no reason to even sign up for this so called Reserve Line of Credit when originally we were merely adding a secondary name to the account in XX/XX/XXXX and just merely opened fresh new accounts in XX/XX/XXXX due compromised accounts. Furthermore, we were told the old checking and savings account were closed due to fraud activity as of XX/XX/XXXX the minute we opened new accounts. It has been noted that there have been fines for this bank illegally exploiting personal data while opening sham accounts like Reserve Lines of Credit for unsuspecting customers and we are one of them causing us undue grief.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XX/XX/2022 I called Navy Federal Credit Union to be informed that my credit card was cancelled despite my honoring the payment arrangement. They closed it without notifying me in any capacity. Further, upon realizing error the woman I spoke to on the phone was nothing less than vicious in her demeanor and refused to provide any assistance. When I asked her to refer to the previous calls to verify the payment arrangements she chuckled and said oh no I aint got access to that, thats only some other people.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

About half a year ago Chase bank decided to close my checking account without providing any reason for doing so. However I still have business account with Chase. Half a year later I reopened personal account because Im sure its a mistake. 
Today I got mail that my personal account is being closed, as well as my business! credit card, without any explanation. My business checking account is not involved in this closure.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. 

Immediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. 

Despite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX  authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. 

I've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. 

Moreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. 

This experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Around XX/XX/2021, I fell victim to XXXXXXXX XXXX  scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firm.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

My payment was due on XX/XX/XXXX I made a payment at XXXX and they are telling me that I need to Make the payment before XXXX But on the Credit Card agreement is there is no mention of this that have stated that it is printed on the statement. 

They refused to remove the Late Charge and I asked them Lane Bryant ( Comenity Bank ) to close the account.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021