davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020
Consumer complaint received 2024-02-20
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXXXXXX XXXX # XXXX Balance {$30000.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00} Also any Address other than XXXX XXXX XXXX XXXX XXXX, CA XXXX need to be removed. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc. (TX)

I checked my credit report and noticed and I had a collection charge of {$400.00}. I was shocked as I always pay on time. I click on the info and noticed it was a charge from a Hospital in Louisiana. I quickly knew it was fraud. LA SVC Rec was collecting the debt. I contacted them and let them know it was fraud, I sent the required docs they request and I faxed it to them. I believe it has been removed however I need to file this for my own sake. I am a victim of identity theft, and dont want this to affect future.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action.

3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v XXXX XXXX. US Court of Appeals for the third Circuit Court Case XXXX XXXX  XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine
Consumer complaint received 2022-05-27
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: NCB Management Services Inc. (LA)

I Tried to work with these companies with removing all the interest penalties. None of them wanted to help me.the loans have been sold to companies I now knowledge I dent make no loan with none of them companies.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action. 
3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v Transunion Corp. US Court of Appeals for the third Circuit Court Case XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX Circuit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine
Consumer complaint received 2019-12-17
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. (NY)

XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX I was apart of Transunions inquiry issue, they were deleted from my credit report and then reinserted without proper notification. Customer service would not help with the matter.
Consumer complaint received 2019-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have about 5-6 Fraud inquires reporting to my Trans Union and 1 on my XXXX  and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — Store credit 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 (CA)

I contracted with XXXX XXXX XXXX XXXX to complete the remodel of my master bath, master closet and a loft built-in bookshelf. They charged the full {$35000.00} to my Synchrony Bank credit card before they completed any work at all. They then completed the demolition of my bathroom and never returned to complete any other work. After months of repeated attempts ( calls, texts, emails, in-person at location ) to get them to resume the work, we canceled our contract with them and hired another company that has since finished the work. We wanted the {$35000.00} charge removed from the credit card since the work was never completed due to job abandonment. We appealed to Synchrony several times with pictures, emails and information from CA State Licensing Board and XXXX own bond company indicating that the company had several valid claims from other clients as well as ours. However, Synchrony keeps indicating that their client is willing to work with us and complete the work as a response to why the purchase dispute is not in our favor even though we've repeatedly explained why that is not possible. In addition, when we've tried to talk to individuals at their company to resubmit the claim and provide additional information, they didn't submit any of our requests. Both Synchrony and their employees are not acting in good faith. I've attached documentation to support my claim. All of which ( and more ) was already provided to Synchrony.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I made a complaint to XXXX  because an unauthorized person represented themselves as a XXXX XXXX employee when I called the customer service line. I called because the account I set up wasn't explained properly. I was under the impression, when it was explained to me when I opened the account, that I had an overdraft account. Meaning, it was explained that if I setup a joint savings account and I made purchases, XXXX XXXX would automatically deduct it from my other account set up with no fees charged if my checking didnt have enough to cover it. The day I called to explain, like I said, it was someone stating that they were a XXXX XXXX employee ( a manager ) but ironically I was transferred to a department that had nothing to do with my concern. I was put on hold for ten minutes because the person " manager '' claimed that he couldn't find out what kind of account I had. He asked me could he have permission to extensively access and research and go through my account. Now mind you, I have worked several years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX  XXXX XXXX and XXXX XXXX. So, I knew the person was full of it. This " manager '' claimed he couldn't help me but he could refer me to the investment banking department - which had nothing to do with why I called. After that, I looked on my tablet to go on my online banking. My checking account began to be immediately affected with double charges and them shifting my money back and forth between my accounts, re itemizing my charges, they ran my credit without my authorization, they linked my {$6000.00} XXXX XXXX XXXX advantage card to my savings and checking accounts, they also CLOSED MY XXXX XXXX XXXX CARD without notifying me of the reasons after they ran my credit unauthorized with no probable cause. I only had the card for six months and NEVER USED IT! They sent me a letter ten days after they closed my card and talked to this shady person stating I had all these charge offs and accounts that were delinquent on my credit report that WASNT TRUE and they based it off of my activity in my checking and savings account - when in fact, there computer were the ones messing it up! I know my account was hacked! They offered me mediation and consultation as well as advice and encouragement to seek other legal action. So, thats why Im contacting this law firm. I am COMPLETELY UPSET with XXXX XXXX and there unethical and shady business practices. I told them that here they go again doing the same thing they did to get in trouble years ago my stashing money from individuals accounts and adding it to other places and re itemizing charges just like the lawsuit they had. XXXX XXXX is back at the same thing again and unfortunately I am the victim! Theyve also cut my debit card off while buying necessities for no reason. My account has been hacked when I reported the problem to them and still being hacked. Please help me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (MO)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One 360 Money Market account was the only account I had with Capital One. The account was opened on XX/XX/XXXX. At the time of account opening, I uploaded the picture of the front and the back of my ID as requested by the bank. There was no issue until 15 months later. Access to my account was suddenly restricted on XX/XX/XXXX. I called the bank and answered all questions correctly, but then I was told that I can not be verified over the phone. I was asked to bring my ID to a Capital One Cafe. Fortunately, there is one in my state but is 60 miles away. I went there on XX/XX/XXXX, the staff in the Cafe verified my ID and confirmed with Capital One Management Team. I was then grilled by a female staff member on the phone. She asked vague and strange questions that I did not feel comfortable and did not know how to answer. She then came to a final conclusion that my account will be closed as of today and that Capital One can no longer open any new account for me in the future because I was considered " high risk ''. I asked to speak to her supervisor regarding what the high risk mean. The supervisor ( who claimed his name is XXXX, a supervisor at Capital One Bank ) said that I logged into my account from a phone named " XXXX 's XXXX ''. He said the previous female representative accused me of leaving my Capital One credentials on someone else 's phone. I explained to the supervisor that " XXXX XXXX  '' is my XXXX ID user name ( screen name ), and " XXXX XXXX XXXXXXXX '' is in fact my phone. The supervisor seemed to be skeptical and refused to reopen my account. I was shocked that Capital One 's mobile app collected un-permitted information from my phone. I never granted such access to Capital One 's mobile app. I ask that CFPB conduct a thorough examination of Capital One 's mobile app and check if there is any unwanted spyware running in the background that collects and sends un-permitted information from the phone back to Capital One. I ask that Capital One restore my account because the closure is in violation of the banking laws and regulations. I also ask that Capital One give me {$1000.00} in restitution for the time I spent on the phone and for the psychological stress that I suffered from being unfairly treated by Capital One.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.