davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the FCRA by continuing to report unverifiable information on my consumer credit report. The disputed account in question is support by police reports and other identity theft filings. The company has failed to produce the identification used to open the account and yet continues to verify it as accurate. In Suluki v. Credit One Bank, NA, No. 23-721 ( 2d Cir. ) the law requires companies to delete unverifiable or inaccurate information on consumer reports.
Consumer complaint received 2022-12-18
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. (OH)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect
Consumer complaint received 2024-04-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I receive my ssi benefits every 1st of the month on to my XXXX XXXX card. I called to check my balance on my card today XX/XX/XXXX and it stated that my ssi benefit was deposited on XX/XX/XXXX of about {$1200.00} and that my balance is now {$0.00}. How could my balance be {$0.00}. The lady said she saw over XXXX transactions all today for {$8.00} draining my account of all my funds and then transferred me to the fraud department where I was forced to wait on the line for over XXXX and a half hours only to be told that I have to verify my identity by emailing a pic of the front and back of my drivers license before they can look at my account and then I would receive an email to call back. That sounds like Im being given the runaround so Im filing a complaint to resolve this before I lose my section 8 for missing my rent payment. So I sent the email with my Drivers License front and back earlier today and still havent received any correspondence as promised by the end of today. Why did they let this happen? I need my money to pay my rent, bills and food today.
Consumer complaint received 2022-06-04
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. (MO)

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 Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (KY)

This is regarding a Bluebird By American Express SUB account ( a family account within my main account ). The phone number to contact regarding my account, this specific team is the team handling my account and regular customer service will just transfer you to this number, XXXX XXXX XXXX XXXX XXXX XXXX. 
Regular customer service number for your records XXXX XXXX XXXX XXXX XXXX XXXX This is all the information you will need to get access to speak to a representative regarding this situation and my account. 
Name : XXXX XXXX Security Question, Favorite Food : Pizza Date Of Birth : XX/XX/1994 Card Number : XXXX XXXX XXXX Email : XXXX Bluebird American Express Card The card number is inactive as they have stated multiple times they will NOT reopen this account so this is not sensitive information as the card number no longer works, I just want my funds off of the card. 
They will not ask for any other personal information other than that, you can also tell them this is a SUB account and their is no issues with the main account only this account. This is an issue only with this SUB account and there is no locks or blockage on the main account. The number to reach this team, again, is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (MO)

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 Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-04
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)

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 Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-04
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. (MS)

XXXX  XXXX Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.
Consumer complaint received 2022-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.
Consumer complaint received 2022-05-30
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: JPMORGAN CHASE & CO. (CA)

I lost my Chase Credit card a few months ago and got a replacement. 
In the last credit card statement I found a transaction ( {$140.00} on XX/XX/22 ) paid to XXXX ( XXXX XXXX XXXX XXXX XXXX ) which I never authorized or expected. 
I called Chase immediately and filed a dispute. They made a temporarycredit back to my account. When I called XXXX they said that I entered the creditcard info manually and thus can not give me a refund.Here 's what happened. Last year I used the previously lost card to pay for the XXXX service for the organization that I volunteered for. And my successor ( XXXX XXXX in XXXX, XXXX ) changed the billing method to the organization 's XXXX account. But XXXX did not accept the XXXX and instead came after me. XXXX acquired my newcredit card information ILLEGALLY and charged the auto-renewalfee to mynew credit card thatI neverprovided.Chase is saying that the company will never release the new card info to a vendor. XXXX is saying I must have changed it myself or agreed to Chase to surrender my replacement card to any vendor who requested it.Even though XXXX cancelled thesubscriptionservice on the account, the company refused to take my credit card off and threatened me that the same card will be used if the organization wants to reactivate their service. 

I think Chase gave my new credit card info to XXXX and XXXX charged the yearly fee on it.The problem is that1. None of this happened with my consent.2. XXXX still refuses that they stole my credit card info. They are insistingthat I did it manually for the organization that I haven't worked for over a year! 3. XXXX is refusing to give me a full refund,4. XXXX is threatening me to cancel my dispute claim to Chase saying otherwise they won't take my credit card off their billing system. 
I'm a school teacher simply going about my work and not having to worry about this kind of wrongful business practice. 

Sincerely, XXXX
Consumer complaint received 2020-02-22
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. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.
Consumer complaint received 2022-06-04
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. (MS)

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all.
Consumer complaint received 2022-06-04
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. (MS)

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX ACCT # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all. This company does not have a permissible purpose to report the negative tradeline at all!
Consumer complaint received 2022-06-04
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. (MS)

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX ACCT # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all. This company does not have a permissible purpose to report the negative tradeline at all!
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (CA)

I got a fraud charge {$76.00} from XXXX ride to my bank end of XXXX.. I never use the service so I went to my XXXX bank to dispute when transactions is pending a week later on XXXX I suddenly received the collection letter show I had an unpaid balance account number XXXX ( that I never know ) {$76.00} and told me have to pay before XX/XX/XXXX, if not they sent me to the collection from trs recover service. I went to online and check to see dispute service form that TRs recover service recommend me to do, I couldnt trust tghe website at all they asked me to fill out bank account number and routing number for dispute processing. It was so weird What can I do?
Consumer complaint received 2022-06-04
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: Dynamic Recovery Solutions, LLC (FL)

In accordance with the Fair Credit Reporting Act, DYNAMIC RECOVERY SOLUT. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The collection company : Is only on my XXXX account. This is fraudulent situation. Please investigate this account. The account XXXX date open XXXX XXXX. It just shown up on my XXXX account only.
Consumer complaint received 2023-06-26
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 Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX  XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX BalanceOwed : {$5200.00}.
Consumer complaint received 2023-10-18
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that 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
Consumer complaint received 2022-06-04
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. (TX)

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.