davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (MN)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )
Consumer complaint received 2023-02-13
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. (CA)

I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NH)

On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request
Consumer complaint received 2019-09-03
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. (NY)

On XX/XX/2019, a fraudulent charge was made on my Chase Visa credit card in the amount of {$6100.00} by a vendor identified as PP*samdesigner, while I was in XXXX on vacation. Visa did not contact me when this charge took place and just let it through. Upon my return to the US, I signed an affidavit to Chase informing them that this charge was fraudulent and was not made by my husband, who is joint on my account. Since that time, I have been on numerous phone calls with them informing them that this was a fraudulent charge and that we did not make it. On XX/XX/2019, I received a letter from Chase Fraud Services ( attached ), informing me that I am being made responsible for this charge. I received 2 additional letters from them dated XX/XX/XXXX and XX/XX/2019 confirming that they are making me responsible. I was then told that I must appeal to the Chase Executive Office. Since that time, I have written to them 3 times. I have attached the final letter which summarizes my proof that we did not make this charge and that this card number was hacked while we were in XXXX, as we received similar charges from 2 other bank cards. Both the other banks have dismissed the charges. I have received 2 phone calls from the Executive Office, both claiming that we are responsible for the charge. They do not address any of my documentation proving that we did not make the charge and do not provide any proof that the charge was legitimate.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm deeply dissatisfied with your continued reporting of a fraudulent account on my credit report, despite assurances from the bank and compliance with identity theft laws. This disregard for the law undermines consumer trust. Remove XXXX XXXX XXXX XXXX FRAUD from my report promptly. I expect a swift response detailing the actions taken to rectify this issue.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 someone withdrew the amounts of {$150.00}, {$120.00}, {$61.00}, {$100.00}, and then a purchase of {$15.00}. I didn't even realize my card was missing until the following evening. I immediately called Chase to file the claim. They gave me a temporary credit of {$430.00}. Today, XX/XX/23, they said they're reversing the amount on XX/XX/23 because it was processed according to information I provided or it was authorized. I called them to dispute that because for all the years I've had that account I have never used a non-chase atm. I refuse to pay a fee to an atm plus chase. They said repeatedly they couldn't do anything else. I paid a fee to have a new debit card sent and went to the bank to create a new pin. I have read I shouldn't be responsible for more than {$50.00} as I reported it within 2 business days.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Once again I 'm here sending an emailed complaint to you guys to handle for about Bank of America. I will upload more pics to come. XXXX/XXXX/2017 I stopped to put gas in my car. I put in {$31.00} something dollars. This overdrew my account. O.k, I get that and that 's fine they can charge me an overdraft fee. The problem is when they make all the transactions red when they should n't be. I only over drew for the gas from XXXX. They have it looking like I overdrew my account 3 or 4 times when that is not the case!!! I am about to upload the picture. The other items should not be overdrawn just the XXXX gas because that 's the very last item that i bought that was going to overdraw my account. They are for some reason charging me the overdraft fee for the XXXX XXXX payment when you can clearly see that that was in there on my picture. I had money when they withdrew their charge. Money was in there for the rest of the charges also. The XXXX XXXX and also the other food place.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the XXXX XXXX XXXX account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Consumer complaint received 2022-12-02
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. (GA)

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed in my dispute letter? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

XX/XX/2019 I decided to set up automatic payments with Discover Card to ensure I was not as risk of submitting late payments. I utilized Discover 's instant messaging interface on the website. Upon indicating to the Discover customer service representative about my intent ( I have documentation of the correspondence ), the website timed my account out, therefore, indicating to me the customer representative set up my automatic payments. Unfortunately today I received a notification via XXXX XXXX that Discover issued a negative report against my credit score. Upon attempting to resolve this with Discover by paying the balance immediately, I was lied to by customer service agent XXXX XXXX who indicated it was illegal to make such corrections and disputes to previously submitted reports. I was also given information that Discover representatives indicated would not help my situation however would get me off of the phone. Before Discover sent the report to the collection department Discover did not attempt to contact me via phone nor text to indicate I was a past due amount on my account. I believe as a customer for 11 years, in excellent standing Discover should have at least followed up regarding the automatic payments, attempted to contact me before reporting to collections, and not lied to me in hoping to qualm by attempts to rectify the situation. It appears this might have been done maliciously in an attempt to accrue interest on the balance.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under FCRA 605B, I understand that we must remove any incorrect accounts from my credit report. Can you please examine the documents? I've noticed that some of the accounts listed are inaccurate, which is causing me some unease.
Consumer complaint received 2022-05-22
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)

XXXX, Transunion and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

The JPMorgan chase & Co is not following the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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 inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax Return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account JPMCP CARD, ACCOUNT # XXXX as a debt is inaccurate. 
15 USC 1681 s-2 Says you JPMorgan chase & Co are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. so they should delete account JPMCP CARD, ACCOUNT # XXXX FROM MY XXXX, XXXX, XXXX and to consumer reporting agencies. 

this is the tracking number # XXXX and attached file to show proof of violation
Consumer complaint received 2017-11-22
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: LEXISNEXIS (IN)

It is apparent you do NOT read the Replies. Do the Defendants Pay your Wages? I am under the Impression Taxpayers support this agency. There is quite a deficiency here. 
I am, again, continuing with the abuse directed at me by the hands of Lexis Nexis. In  reference to the dismissal as I was a XXXX, XXXX. I am appalled you accepted this and Dismissed the case. I responded as Feedback the TRUTH, I tried to add Documents, FAILURE. I CALLED THE NEXT DAY. I was instructed to Fax Documents. After 2.5 HRS, I called again and was told to file another Complaint. Here we GO! 
The first page with all the NUMBERS are the RECORD of the Times I contacted Lexis Nexis. The Reply states no data without the ( silly implied ) surname does not appear  withing the " FIXED and Repaired, all better NOW Reports ''. The names on some of these Internet Providers are my Father 's. My Wages of XXXX ARE NOT MINE! To fix this is a LIFE THREATENING situation. Ask me, I 'll tell you why I must Fix this False Reporting. Some of the Phone Numbers listed as MY FATHER '' S are Mine! Lexis Nexis and I 've been over all these DETAILS more than thrice. I see this as DELIBERATE! I was told my Father 's name as my own was gathered from a REPORT from XXXX XXXX OHIO. I contacted XXXX XXXX, the Copy is attached. My name of XXXX XXXX is on there. I contacted the Attorney of Record, the Copies are attached. My name of XXXX XXXX is on there, both times. The copies from the Attorney Cost me {$25.00}. I am billing Lexis Nexis for this. I am XXXX XXXX ONLY. No AKA 's are Legal!
Consumer complaint received 2023-02-23
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. (OH)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

In accordance with the Fair Credit Reporting act.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Last 4 of card number XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

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 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-28
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-22
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. (CA)

There are so many inaccuracies on my credit report, I have tried for so long to get my report updates and the incorrect info taken off but the credit bureaus just keep ignoring me.