davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (DE)

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 2023-03-02
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

For the past year I have been sending LVNV FUNDING LLC, XXXX, XXXX CERTIFIED LETTERS ASKING FOR MY DEBT TO VALIDATED THEY HAVE FAILED TO CORRECTLY VALIDATE ACCOUNT. I ASKED FOR A COPY OF THE ORGINAL CONTRACT IN WHICH THEY REFUSED TO PROVIDE. I AM EXHAUSTED AT THIS POINT. 
MY FIRST LETTER TO THEM WAS XX/XX/22 SECOND WAS XX/XX/22 AND MY 3RD AND FINAL ATTEMPT WAS IN XX/XX/22 I ALSO SENT CERTIFIED LETTERS TO THE ACTUAL COLLECTION AGENCY AND THEY ALSO DISREGARDED MY REQUEST FOR VALIDATION.
Consumer complaint received 2022-09-24
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. (SC)

In accordance with the Fair Credit Reporting Act the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

On Saturday, XXXX XXXX, 2019, at XXXX XXXX I applied to Sams club- Synchrony Bank for a credit card to take advantage of a XXXX credit on a purchase for applying. 
This morning XXXX-2019 I received a denial letter-email with reason for denial ( Existing account with our credit program. I called and verified I have no Sams club master card. 

And in fact I have a Lowes card a paypal credit account and a amazon account all in great standing. 
My problem is I have a hard pull for what I was told a mistake on their part and was told to submit another application and get another hard pull. That is not acceptable not to mention I am going to be billed full amount for monitor I bought. 
I have a excellent credit score and this is just wrong on so many levels
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (TX)

This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404.  Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I received a wire deposit of {$100000.00} from a business customer who banks with XXXX XXXX to be used to purchase a car for the customer as per my business agreement on XX/XX/XXXX. The funds pended for 3 days and was made available by my bank ( Chase ) on XX/XX/XXXX. I waited for 5 days after the availability to use the money for business as always with no issues and was left with {$15000.00}. On XX/XX/XXXX Chase restricted my account and placed a hold on my account refusing to give me my money claiming they got a notice from XXXX XXXX that the money was fraud and for that reason I need to call XXXX XXXX about it. I called XXXX XXXX on XX/XX/XXXX but the wouldnt speak to me since I do not bank with them. So I made my customer call in reference to that and my customer was told by XXXX XXXX they did not send any fraud alert notice to Chase and there is no issue with the customer account or the wire that was sent. I informed Chase about the call to XXXX XXXX and what XXXX XXXX told my customer. Chase told me to wait for 7 business days so they can update my account and remove the restriction. After 7 days Chase told me they were doing their own investigation so I should wait till XX/XX/XXXX. I waited and called them back just for them to tell me they are still not done with the investigation. It is now XX/XX/XXXX and I have been calling them every day trying to get my money back from Chase. They have deliberately refused to give me my money back.
Consumer complaint received 2019-11-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I continue to have issues with Experian concerning my Experian Credit Report and Experian FICO 8 score. My credit report incorrectly showed more than 50 % of available credit used. Once that was corrected, there was no improvement in my credit score ( even though this accounts for 30 % of such FICO 8 credit score ). I also requested Experian to manually add some utility and other accounts not regularly submitted to Experian by the comapny/companies ). Experian does this to some extent with their " Experian Boost '' program/function feature - although it is not currently available to all consumers via all financial institutions and was designed to be done via a automated program that extracts bill pay information from a consumer 's financial institution. I understand Experian " does not '' actively seek account information '' for consumers. I also understand that the information submitted to Experian is a ) NOT verified for accuracy by Experian and is reflected as presented ( right or wrong ), and b ) such information as reported ( again right or wrong ) directly impacts the consumer 's credit score as  computed by Experian. Whereas Experian provides this credit score and related credit report information to  lenders/businesses, Experian has an obligation to ensure that the information it provides to such lenders/businesses is accurate and Experian has a corresponding obligation to consumers related to such consumer 's credit score, computed by Experian, based on such information reported to Experian.
Consumer complaint received 2022-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I'm filing the following complaint on behalf of my elderly mother/patient with who is a XXXX XXXX XXXX against provider : XXXX XXXX XXXX XXXX XXXX Service : Ambulance Service for XXXX XX/XX/XXXX. Complaint regarding provider not properly billing copay cross claim and erroneously sending copay to collection agency. 

When XXXX sent initial statement for copay {$200.00} on XX/XX/XXXX. I contacted XXXX customer service dept. on XX/XX/XXXX at XXXX and spoke to a representative and provided XXXX XXXX CA XXXX XXXX ID XXXX number informing provider that my elderly mother had XXXX XXXX to cover copays , coinsurance and deductibles, in addition to her primary insurance XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I was inform to allow 30-45 days for claim processing. 

On XX/XX/XXXX, I sent an email to provider XXXX at ( XXXX ) to follow up on billing issue since XXXX continued to send monthly billing statements. XXXX XXXX customer service dept. responded on XX/XX/XXXX, stating account was updated and info forwarded to billing dept. for processing and to allow 30-45 days. 

XXXX failed to take the appropriate action to bill and/or never submitted the claim to the XXXX and instead sent the account to collections and violated the federal law that prohibits XXXX provides from billing XXXX Qualified XXXX Beneficiary program recipient for any XXXX Cost-Sharing copays, XXXX and deductibles
Consumer complaint received 2022-09-25
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)

When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

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 2023-10-26
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. (TX)

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2022-09-01
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. (FL)

Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX Inquiry date : XX/XX/2022
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I tried to withdraw {$300.00} from my checking account by using my debit card at Chase Branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I selected eight 5 's & then selected Finish For Me. The ATM sounded like it was shuffling bills to dispense. Then a message appeared that this machine does not have 5 's. The door for the cash did not open but my debit card popped out. I was about to redo the transaction but I decided to do a balance inquiry & print receipt in case {$300.00} was deducted from my account balance. I reported this to a personal banker immediately after it happened. Now I am supposed to fax proof that I did not get any money. The bank teller said I have to file a police report & get a lawyer since they can only review tape once they get a subpoena. I am getting nothing but the run around from Chase Branch employees.
Consumer complaint received 2022-04-16
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. (OH)

There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.
Consumer complaint received 2019-11-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR 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 UNIVERSITY OF XXXX XXXX Office of Dispute Management XXXX XXXX XXXX XXXX XXXX, AZ 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 It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I have a FSA for commuter mass benefits for TOLLS  and the bank " XXXX XXXX  '' is not paying the XXXX as I instructed. I have funds available and they are not giving me access to those funds.
Consumer complaint received 2024-02-21
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX  Account number : XXXX I dont have full account but this number is whats showing on my credit report 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (NC)

In accordance with the Fair Credit Report Act Kovo inc has violated my rights. Allowing a late payment reporting on XX/XX/22 XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 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 2022-09-25
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. (TX)

They have the incorrect employer information I have called all XXXX several times to change it and its still on my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is my employer I want one name on my credit report Ive also called them multiple times to change it and they refused to do it and have ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my name as XXXX XXXX and dont have my second last name Legal name is XXXX XXXX XXXX XXXX are also in violation of my HIPPA rights by reporting Medical bills on my report and have spoken to them about it several times XXXX XXXX XXXXXXXX IN Original creditor : XXXX XXXX XXXX XXXX {$200.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX {$1300.00} Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$2300.00} Date XX/XX/XXXX When I called Experian they advised me that it wasnt a violation of my HIPPA rights since the hospital doesnt show them the break down of the bill so I ask them how would they know that the amount theyre reporting is correct and she said she was going to transferred me to her supervisor and hang up. Therefore if the account cant be verify than accounts must be removed
Consumer complaint received 2023-10-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}