davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

I'm unaware of this debt!! 
Credit Collection Services {$200.00} I didn't have the opportunity to dispute this debts. I never received proper notification!! If in fact you believe you gave me proper notification please provide the certified mail receipt with my name and signature. Look foward to hearing from someone soon. 

XXXX XXXX
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX  XXXX bankruptcy XXXX Identification number : XXXX Date filed : XX/XX/XXXX
Consumer complaint received 2023-02-06
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. (TX)

This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
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. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX, XXXX/DEPT OF ED Account number 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Kohl 's tried to scam me several times. I had set up for auto-pay for my Kohs Card . On XX/XX/XXXX, I get a notification from XXXX that a negative reporting was done from Kohl 's. I call customer service, and I was informed that my auto-pay was never processed. Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. The person on the phone said that charges were reversed and that credit reporting was going to be reversed. I checked my credit report on XX/XX/XXXX, and no changes were made. I call customer service again and asked why the changes were not made and asked about the auto-pay again. I had done the auto-pay online again. I was informed that the last representative was supposed to mail me a new card and that auto-pay was not processed again. This representative said that he would mail me a new card and auto-pay would be all set for the next bill. I gave the rep. the benefit of the doubt On XX/XX/XXXX, I receive another notification from XXXX of another negative credit reporting from Kohl 's. I called them right away. XXXX, id : XXXX, answered and I explained that auto-pay was not processed again and that Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. She assured me that late charge fee and reverse of negative reporting would be taken care. I asked her that I needed confirmation in writing that was being done. She could not send me an email saying that is against Federal Law and not able to say what Federal Law. I asked to speak with a supervisor, she put me on hold for 30 minutes and then hung up on me. I called again and spoke with XXXX, id : XXXX, for over 45 minutes. He informed me XXXX had not done anything. He tried to reverse the late charges and put a note but he couldn't either send confirmation in writing. He then transferred me to XXXX, id : XXXX, to whom I spoke over 30 minutes, she created a ticket # but could not either provide a writing confirmation either. She said they were not allowed to do that. How come a customer can not get assurance of what is being said? I asked for recording of all the calls and she still saying they were not allowed to do that. Are they allowed to misrepresent and lie to customers? I need all the negative credit reporting be reversed and an apology letter from Kohl 's for the stress caused from their unprofessionalism and their scam. These false negative reporting caused my credit report to go down by over 70 points. I need these points to be reversed to my credit score too. If I did not have the XXXX XXXX, I would not have known. Imagine to how many other customers they have done the same?
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received a debit card from Bank of America in the mail ( XX/XX/23 ). I do not have a checking or savings account with them. I did not open an account with them. I was shocked when a new debit card showed up in my name for an account I did not open. When I called Bank of America automated phone service it says the checking account balance that I did not open up is {$0.00}. Someone who has access to my private information opened an account at Bank of America without my permission. Our mortgage is through Bank of America so I believe the bank opened this account as I have zero fraudulent activity on my credit report. Looking through my email I found an email dated XX/XX/23 congratulating me on opening an account ( that I did not open )! Im sure when I saw the email I assumed it was a phishing scam. Something weird is going on at Bank of America. I am very upset.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$69.00} XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX Balance {$76.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

i got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX  step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX  my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company. 

The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX  has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX  condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX  and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.
Consumer complaint received 2023-02-06
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX, I had a statement balance due and I paid it in full. So the remaining balance is XXXX. Then on XX/XX/XXXX American Express charges me interest like I didn't pay the balance. When I asked for the interest removed, they refused. How can I be charged interest when the total balance on the card is already XXXX?
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/XXXX I filed a dispute with all three credit agencies asking for an investigation about the balance reported incorrectly, the close date missing, the date of the last payment missing, the charge-off amount was reported to XXXX XXXX and reported to XXXX & Experian for {$2900.00} after this account was charge-off and closed on XXXX for the amount of {$2400.00} on XXXX, the company illegally add an extra {$480.00} dollars after requesting proof of payment history, the company sent me a transaction history with no explanation or record of the added {$480.00} dollars and all the extra data for the payments missing. 
XXXX XXXX has reported my account XXXX times 90 days late to XXXX and Experian I need to find out what happens with all the data for payments that are missing in XXXX, Experian, XXXX please help me resolve this abuse by this company and make sure the information is reported 100 % accurate. 
to all of the credit agencies. sorry about my grammar but XXXX is my second language I will attach a copy of all three credit agencies ' reports for your review.
Consumer complaint received 2023-03-06
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-06
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. (AZ)

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes. 

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

Summary of Laws that support my requests> 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 XXXXeven 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 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

BOA Claim # XXXX I received a call from Bank of America XXXX My caller ID showed it was Bank of America and showed the companies logo and moving banner promoting ATMs and the tel # for BOA. When I answered I was told it was the fraud department and someone was trying to take approximately {$700.00} out of my account. This person knew my name and I did not give them my account information ( account # ) and they did not ask for it. They sent me a text with a code and asked me to provided the code # to verify my identity. I gave them the code. ( This is what Bank of America did also when I called the fraud department. ) They then asked me to verify additional codes to initiate refunds back to my account. Apparently the money was being taken from my account using XXXX. On my phone it said the transcations were going to " REFUND ACCOUNT '' After doing this several times they put me on hold and never came back. I then called the fraud department who told me they recognized the fraud and stopped some of the transactions. Apparently the person committing the fraud was the person claiming to be from Bank of America. When I called the fraud department they had already stopped some of the transactions because they recognized it as fraud. The scammers took {$500.00}. I told them exactly what happened ( which they later used against me to deny my claim ) It is important to mention here that I did not give them my account information so how would anyone outside of the bank know where to take the money from in a XXXX transaction? And why did my caller ID say it was Bank of America? In subsequent conversations with the fraud department I was told that about 300 other people had been taken by the same scam so they felt confident they would solve the issue. They also said they were able to see where the money went to ( the telephone and email address of the recipient ) They froze my account and I opened a new. Now they have denied my claim for the following reason : - Our investigation found that the transaction was confirmed valid by you via ( SMS/MMS ) text message response or speaking directly with XXXX XXXX XXXX XXXX 
- We based our decision on our records and the information you provided when you contacted us about your account. 
I would like to add that I have had my checking account at BOA for 20 YEARS. They are basically saying I did all this myself and admitted it! They need to prove that. I suspect it was an employee of BOA and they are liable and at fault for allowing the funds to be released. How could anyone except BOA know the account information and access it for a XXXX transaction? I will not accept the denial.