davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (OK)

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 Reporting Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, 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 1 681c. ( 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 2023-02-08
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. (NC)

Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX  The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue. 

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation.

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX, our XXXX XXXX XXXX stopped working. It was purchased XX/XX/XXXX. It had a 1-year manufacturers warranty. After trying to get XXXX to extend a warranty ( which they would not ), However, Capital One ( XXXX XXXX XXXXXXXX ) have Extended Warranty Benefits up 2x the length of the OEM warranty and {$10000.00} of coverage. 

After trying to submit a claim 5x 's their " Benefits Management Department '' ( A third party service provider - AKA " Denial Department '' ) said that our card does not have those benefits, but the website clear states that my card does indeed have those benefits. 

Trying to escalate only escalates within the " Denial Department '' so it's obvious Capital One nor any of the underwriters intend to honor the benefit they advertise. 

Surely this can't be legal.
Consumer complaint received 2023-02-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have an issue with the New York State department of child support. It has been on my account since XXXX and was showing in collections and the early XXXX until now every time I try to dispute it to have it removed. It gets pushed back further and further, as far as removal dates, this has been an ongoing issue and its making me live a poor quality of life due to not being able to get credit cards and financing mean home loans at affordable rates.
Consumer complaint received 2023-02-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
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)

Account Number : XXXX Collection Company : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX I am writing to report a HIPAA violation that occurred on XXXX XXXX. I recently received a call from a debt collection agency, Name XXXX XXXX XXXX, which I believe was in violation of the HIPAA Privacy Rule. The debt collector called me on behalf of XXXX XXXX XXXXXXXX and left a voicemail stating that I had an outstanding debt. They provided my full name, D.O.B and address, and asked me to call them back to discuss the debt. This is a clear violation of the HIPAA Privacy Rule, which states that covered entities must protect all individually identifiable health information from unauthorized disclosure. I have already reported the violation to my health insurer and the Department of Health and Human Services. I would like to request that the appropriate steps to ensure that their practices comply with the HIPAA Privacy Rule. I also looked up the hospital that they claim I went to and the hospital has been permanently closed so that's probably means that they fail for bankruptcies do to all of there locations to be closed
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/2023, I drove my wife XXXX XXXX to XXXX XXXX for a hearing in regards to her grandmother 's estate issues. Around XXXXXXXX XXXX my wife called me frantically, stating that she's being arrested by the courtroom security who are attending her grandmother 's hearing. After speaking with my wife, I entered the XXXX XXXX of XXXX XXXX  and began to ask questions regarding my wife 's whereabouts. 

I was directed in multiple directions. But the first place I stopped was the clerk 's office for XXXX XXXX. A clerk for the court informed me that they had no information regarding any orders to arrest my wife XXXX XXXX XXXX and or records of such details. 

After going from the XXXX floor to the XXXX floor and building to building looking for assistance on the whereabouts of my wife. XXXX XXXX XXXX  female XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX was very much familiar with my wife 's name as she informed me that my wife XXXX was a wanted woman and stated they finally got her ''. 

I asked the sheriff for the whereabouts of my wife. She eventually informed me that my wife was in XXXX  at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I was informed by the XXXX  Court Clerk 's office at the register of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX informed a clerk to assist me with the following directions. 

I was told to bring a cashier 's check in the amount of {$5300.00} written out to XXXX XXXX and that the judge would call the jail/ order for my wife 's release upon having a hearing. Once seeing that I actually had the check in the amount of {$5300.00}. On XX/XX/2023 I, XXXX XXXX, wrote a check in the amount as directed by the register of wills office for {$5300.00} from my Navy Federal Active Duty Account ( now clsed ) to XXXX XXXX in return for the public elected official XXXX  Court Judge XXXX XXXX to order the release of my wife XXXX XXXX XXXX. 

Now my Bank account is closed, NFCU took XXXX dollars of my veteran XXXX payment and stating I owe more funds, failing to understand that I was robbed illegally and forced to pay for my wife 's freedom.
Consumer complaint received 2022-10-14
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. (NY)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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 XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2023-08-09
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-23
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)

I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

XX/XX/XXXX XXXX, I've received a email from Goldman Sachs stating I was denied for the XXXX  card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. After reaching out again a customer service representative told me send a photo copy of my state identification card, so they can verify me in the system.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The bank capital one basically my XXXX XXXX was my ex fianc for XXXX years got a credit card and he was a guarantor of the credit card. It went to his address his phone number everything he was in charge of it. I just paid the vet bills because my dog was sick and he got me a credit card because obviously my credit wasnt that great to get an email credit card so he basically reported as fraud and now its stuck on my credit report when its because he broke up with me in XXXX and youll see that everything is paid up until that point and its not My this is he is the one that got it for me. I never asked him to it was under his his name as well and under his credit and it went to his address in XXXX XXXX not to my address, and it was not under my phone number so I had no control over it.
Consumer complaint received 2023-02-08
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. (NV)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (GA)

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been more than 45 days with no response from the credit agencies. 

The following items do not belong to me : The following addresses are not mine : XXXX XXXX , XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax ) This is not my Account : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$660.00} & Opened XX/XX/2020 XXXX, XXXX, Equifax ) I was never late on the following accounts or Chargeoff : XXXX XXXX XXXX - XXXX is reporting an inaccurate Chargeoff and Equifax is reporting an inaccurate 120 days late XXXX is reporting an inaccurate 120 days late Incorrect names : XXXX ( XXXX ) I can't understand why is XXXX reporting all of these inaccurate Information. XXXX has not verified any of this information because this information is inaccurate.
Consumer complaint received 2023-02-08
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. (GA)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

ON XX/XX/XXXX, I MOVED OUT OF MY APARTMENT AT XXXX XXXX XXXX XXXX, TX. I SENT LEASING OFFICE PICTURES OF MY MOVE-OUT. I STILL INCURRED FEES FOR XX/XX/XXXX. I'M ATTACHING LEDGER AND CHECK PAYMENTS THAT THE DEBT WAS PAID AND I HAD A XXXX BALANCE. THE PREVIOUS COMPANY XXXX XXXX CLOSED DUE TO BEING SUED FOR ILLEGAL PRACTICES. THE AMOUNT WAS PAID XX/XX/XXXX. IT WAS SUBMITTED TO IQ DATA INTERNATIONAL IN XXXX OF XXXX. THE AMOUNT THAT WAS SENT IN SHOWS DOUBLE THE AMOUNT OF WHAT I ALREADY PAID, AND NOW ITS SHOWING INTEREST ADDED. IQ DATA KEEP VALIDATING THE DEBT AS VALID. I WENT TO XXXX XXXX AND TRIED TO GET THIS RECTIFIED BECAUSE THIS IS CAUSING ME NOT GET ANOTHER APARTMENT. THE OFFICE MANAGER SAID SHE COULDN'T HELP ME BECAUSE I NEED TO SPEAK TO THE PREVIOUS MANAGEMENT COMPANY, BUT THEY ARE CLOSED AND ALL NUMBERS LISTED ON INTERNET ARE DISCONNECTED.
Consumer complaint received 2022-10-14
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. (TX)

I I am allowed under Hyppa law to protect my privacy and medical records from third-party. I do not recall giving permission to XXXX XXXX  for them to release my medical information to XXXX XXXX XXXX XXXX XXXX and account number XXXX validation of debt, and HIPPAXXXX  authorization was never given to the third-party. Please note that information given to the medical provider violates HIPAA law. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate, it may be a violation of the fair credit reporting act.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Got a text saying it was from Bank of America that someone would be calling me about XXXX ( that is promoted on the banks web site ) about fraudulent transactions. They called on The BOA customer service line and and said to approve three transactions to reverse the fraudulent transaction. I questioned it and was told to look at the phone number called in on and it was BOA number. Three transactions went through for a total of {$3500.00} and boa denied my claim saying it was my fault. 
They have been no help. Please help. I have called many times to the bank fraud dept with no help. Bank of America promotes and has this service on there web site. They also will not give me the payment id that is 12 alpha numeric numbers that XXXX requests to file with them for a fraud dispute. XXXX says on there dispute documentation to go to the bank to get this.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (GA)

I didn't make the transaction on the card. Going through identity theft. So you close my account and left me with the bill, which is effecting my credit
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the Equifax with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
Consumer complaint received 2023-07-29
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)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$28000.00} ;
Consumer complaint received 2023-02-08
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. (FL)

This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be and permanently removed from my report. 
I sent a copy of my report to the credit bureau showing all the inconsistencies and errors on my report which was reporting I highlighted all of the issues and I didn't get anything back but a reinvestigation which I didn't not ask for I wanted those item to to removed because of the inaccuracies on my report I also ask for the address to be updated and that has not been updated this company has not done anything but violated my rights as a consumer they have had more then 45 days to resolve the issues and it's hasn't been resolved yet.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account be deleted.