davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account. 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX. 
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-29
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)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told Experian, XXXX, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-26
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. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

my wife XXXX XXXX has a checking account with wells fargo, she told me this malignant bank ripped her off with absurd overdraft fees with money still in her account? This is NOT hard to comprehend knowing what scumbags run this bank?
Consumer complaint received 2024-02-23
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2022-12-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

I have a Home Depot credit card with {$20000.00} limit there saying I owe {$34000.00} which Iam not sure how its over XXXX and when I called to get signed receipt and I will pay in full they havent sent receipt and now charging me big interest iam willing to pay what owed but not XXXX extra because they want to bully me Ive had R1 credit and credit cards for 15 years always pay in full so am not charged interest but now they want to jeopardize my credit score so not sure but if they wreak my credit I will not pay another XXXX to them and I told them I would pay but they cant prove to me my amount just there amount thanks for reading this XXXX
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (GA)

There is a company called AWA Collections. They have been continuing to harass me in regards to a bill that I do not owe from XXXX XXXX. When I went to XXXX XXXX  I had insurance and I also had XXXX XXXX to pay for anything that my plan did not cover fully. I contacted them and asked them to validate which they did not. They continue to make these false reports on my coedit report and I want them to remove it immediately. That is not the worst part. The harassment is one thing, and not validating the debt in another thing but the thing that most concerns me is the fact that they are charging me interest on the debt on a monthly basis. Every month I get a notice from XXXX XXXX saying the balance on the account has gone up. There is no way possible I owe XXXX XXXX anything and they way they keep increasing the amount of this so called debt on a monthly basis is unlawful and so is not validation the debt and making false reports.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-26
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. (VA)

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. 

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  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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Performance Management, LLC (GA)

Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you
Consumer complaint received 2023-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been XXXX  from XX/XX/XXXX up until XX/XX/XXXX and upon my release Ive obtained a capital one trust bank checking account and I realized through the credit wise feature attached to my capital one bank account That there was a charged off amount for {$460.00} that I have no clue about. It seems a credit card was open using my info. This situation is clearly fraud. I have not contact capital one as of yet. I am filing a claim with CFPB first before I give capital one a call. I want this matter handle as soon as possible please. When I call capital one I would be able to give capital one the claim number created by CFPB. I have no clue who used my info to obtain a credit card while my time being XXXX. Please resolved this matter as soon as possible being is effecting me from obtaining the stuff I need to continue my pursuit to happiness. Kind regards : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
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: Experian Information Solutions Inc. (CA)

I have received three emails from Experian stating that an entry was made in my report for a large loan which affects my FICO score. I made 5 calls to the company using various published numbers. I was only trying to verify that the emails were not fraudulent. 

Experian, prior to connecting you with a live person ( if one exists ), requires that you provide them with your Social Security number and then proceeds to ask a number of personal questions. After each response, you are then greeted by a filter asking more questions and giving the caller pre-determined choices that do not cover the information sought for. If you ask to speak to a representative the computer responds that it does not understand your request. It then disconnects you. 

Experian has effectively isolated itself from the nation. Even the telephone number provided by the XXXX is controlled by this voice mail system. Additionally, when referred to their various sites, you are bombarded with offers to provide services for other products each costing additional monies. Why are we allowing a credit bureau such freedom of action.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called Chase asked to put account in billing error for {$13000.00}. According to 12 CFR 1026.13 I should not see any adverse reaction such as requesting a payment while a billing error dispute is active, adverse credit reporting, acceleration of debt, and restriction of account in any form. If any of these actions or any action according to 12 CFR 1026.13 happen I will sue in Federal Court, reported to the SEC for securities fraud, and report to all administrative enforcement under 15 U.S. Code 1607. I wrote them a letter on the 12/15/22 about putting my account in a billing error. Chase cancel my credit card for putting in a billing error. They're breaking the law of 12 CFR 1026.13. I should not have seen any adverse action
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NJ)

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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or 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 accurate.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I contest the validity of the account in question held by JPMCB CARD. I demand that JPMCB CARD verify under oath the validity of this claim, ensuring it is free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and confirming that the original lender provided value. Moreover, I assert that the alleged account was transferred in good faith and with the consent of all parties involved. If JPMCB CARD is unable to provide sworn verification for the aforementioned criteria, I insist that the account be expunged from both my credit report and their records. JPMCB CARD XXXX
Consumer complaint received 2023-11-29
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. (SC)

I recently submitted a dispute request to All 3 consumer reporting agencies regarding an account listed on my credit profile. XXXX XXXX XXXX XXXX I received a notification from Experian stating that the account has been verified and updated. However after contacting XXXX they have stated in writing that they will be placing the referenced account into a restrictive status and they will not be attempting to collect anything from me. Now because their is nor evidence of indebtedness with XXXX XXXX XXXX the consumer reporting agencies have no business still reporting this unverified inaccurate information on my consumer report. I have included evidence that I have filed the proper complaints against the parties involved and that I am awaiting a quick response to my request to remove this information from my consumer report.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I received an email from Lakeview XXXX  on XX/XX/XXXX for disbursement of property and water tax in the amount of {$2800.00}. I communicated to them through email and phone XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( phone call ), and XX/XX/XXXX in regards to the payment made and that the amount due was supposed to equal to {$5600.00} and they only made half the payment. I communicated to them several times that due to 50/50 homestead due to XXXX  owners on same mortgage loan they would have to make payments for XXXX  separate accounts and even submitted invoices for both accounts to show proof that this was the case. The county and water company have both myself and the other owner separate accounts as this is how they advised me to apply for homestead, but the mortgage company has failed to update me or make the other payments, causing the account to go delinquent and owe more on taxes now.