davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (OH)

This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-02-26
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. (NY)

Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX XXXX' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( b ) OPT-OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXXXXXX XXXX  and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXXXXXX XXXX must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 


The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (TX)

I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my Experian report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my Experian Report. I have never heard of this company. I show an inquiry for XXXX  on XX/XX/XXXX on my XXXX report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my XXXX report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my Experian report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for XXXX. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for XXXX and another on the same date for Experian. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my Experian. Again this was not authorized by me.
Consumer complaint received 2020-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX, and NAVY FEDERAL CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and  NAVY FEDERAL CU with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2018 XXXX  XXXX  Did not show me proof 609 act They responded but no proof with my name according to the 609 act
Consumer complaint received 2020-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have a loan with XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (UT)

XX/XX/XXXX I filed a complaint with the Minnesota Attorney General about a fraudulent debt of {$4000.00} that Huntington National Bank of XXXX OH claims I owe from when they maliciously repossessed my vehicle XX/XX/XXXX. The Attorney General and I asked to see legal lawful proof of this debt from Huntington National Bank, copy of canceled check from the auto auction sale of this car? Account deposit proof from the deposit of check to Huntington National Bank? Hunting National Bank claim I owe them {$4000.00} but they just wrote that down on a piece of paper they mailed me last year. This amount is completely manufactured and false. Huntington National Bank lied to the Minnesota Attorney General and refused to provide any proof of this debt for nearly a year. I am filing a fraud complaint with my Police Department and submitting it to the credit bureaus to delete the fraudulent monthly reporting of Huntington Bank since XX/XX/XXXX and Block Huntington National Bank from my credit reports this month of XX/XX/XXXX. 
The Minnesota Attorney General should have prosecuted Huntington National Bank and imprisoned its officials.
Consumer complaint received 2024-01-10
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

I made a payment of {$1500.00} from my XXXX personal checking account to my Chase XXXX credit card to make payments for my hotel stay on a foreign trip. Upon charging my card this morning, the payment was declined for insufficient fund when it is showing that the payment had gone through. I reached out to the Chase XXXX credit card and I was informed that my payment was put on hold for a week. I explained to them that I had made this payment to the card to cover for my hotel stay now I am stranded at a Hotel in a foreign land and every attempt I made to resolve my situation with Chase XXXX credit card representative and their supervisor to release the payment that is showing had gone through to allow me pay for my stay was unsuccessful. I have to reach out here because this is wickedness and inhumanity by this financial institution to hold back my money and putting me in a very frustrating and embarrassing situation, and they refused to do anything about it. Now I am stranded in a XXXX in XXXX, unable to pay for my hotel stay because of this credit card company.
Consumer complaint received 2020-08-10
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

I been with American Express sence XXXX. America express has Destroyed my credit. By the COVID 19 program.. I enter in there program so I could catch up on my business loan. So I could pay down some bills ... they said they would consolidate all my payments into one payment for {$240.00}. They said it will report to the credit bureau 's as paid as agreed.This was a lie it's not true they report to the credit bureau 's as Partial payment. The credit bureaus perceives partial payment as late payment they gave me 30 day late and 70 late payment ... this is not true I payed my bills on time and never pay late ... American express drop my credit score from XXXX. To XXXX, that's not right and not fair I never been late paying my bills on time.
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (OH)

I have attached a copy of the letter I mailed off to Innovative Recovery over a month ago. I also have proof that they did receive my letter because it was sent certified mail and required a signature upon delivery. I have not received any response from them about the investigation regarding the alleged debt. They have avoided my CFPB Complaint that was submitted XX/XX/2020 as well as my letter I sent late XX/XX/2020. I feel that they have had much time to respond to either of these mediums, yet they have failed to make any contact whatsoever. They are ignoring my inquiries and I am just trying to get to the bottom of this situation because the alleged debt that is reporting on my consumer report is negatively impacting me, especially during this pandemic. They have not proved the account belongs to me and they have had about 2 months now to reply to me with the results of their investigation, which personally, I believe that they have not even considered to look into.
Consumer complaint received 2020-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

I have 6 Accounts with GLA Collections XXXX XXXX XXXX XXXX, Kentucky XXXX on my Credit Bureau Reports. I have expressed to them two other occasions where they did indeed remove the accounts. But without success I am unable to communicate to them that these six accounts are also under the exact situation with insurance as the two that were removed.
Consumer complaint received 2020-06-17
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. (TN)

Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-06-17
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. (TN)

Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-06-17
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. (TN)

Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2022, American Express cancelled my credit card with no notice provided to me of this confirmed action. 

On XX/XX/2022, American Express sent me an email stating if I made a minimum payment by XX/XX/2022, the following would occur as a result : - Avoid further negative impacts on your credit score - Stop additional late fees - Reduce your outstanding balance - Improve your accounts standing On XX/XX/2022, I made the minimum payment over the phone to take advantage of the benefits stated in the email I received on XX/XX/2022. During this phone call the representative did not disclose that there were plans to continue efforts to close the account regardless of me making the minimum payment. 

On XX/XX/2022, American Express reported to the 3 major credit bureaus that they've closed my credit line, causing further negative impacts on my credit score and not improving my account 's standing, as stated in the email I received on XX/XX/2022.