davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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. (FL)

In Accordance with the Fair credit Reporting Act Convergent Accounts has Violated My Rights. 
( Experian- child support enforcemenXXXX  XXXX ). ( XXXX XXXXy - XXXX ) ( XXXX ). ( XXXX XXXX XXXX ) ( XXXX XXXX- XXXX ) XXXX - XXXX Babcock XXXX XXXX ( Educational XXXX ) ( Child Support XXXX ) ( XXXX ) ( XXXX collections- XXXX ) XXXX XXXX A 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 : its also states a consumer reporting agency CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-19
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)

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - 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 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. I am not liable for these inquires and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application as requested. per 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.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (FL)

All three of the XXXX XXXX, XXXX, and Experian are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent in several letters to transunion, XXXX, and XXXX  to verify bankruptices that are on my credit report and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three of the CRAs TransUnion, XXXX, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Consumer complaint received 2021-06-07
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. (GA)

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus Equifax, XXXX and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan
Consumer complaint received 2022-06-19
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. (NJ)

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - 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 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. I am not liable for these inquires and do not have a contract with convergent. They have repeatedly failed to provide me with the original application as requested. per 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.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

I contacted midland funding llc on XX/XX/2022 then again on XX/XX/2022 they sued me for a really old debt they never contacted me to tell me they sued me or to tell me of my court date ether when i called and tried to work it out they threatened me with court on XX/XX/2022 and said they will just garnish my check and wouldn't let me make a payment unless it is was in full they refused payments on both days 2 of the conversation 's where thru there online website. They are rude and hateful and they original debt wasnt half what they charged me. the added fees of over XXXX dollars on a XXXX dollar debt i tried to request dates and times thru a credit dispute but got nothing back. I explained to them they have to contact me about court dates as well and they said they dont have to this place is terrible to deal with and treat you like dirt please help. i payed the {$1200.00} because I want to fix my credit but the amount was wrong and just plan not fair to fee me more than the amount of the original debt ....
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hi my name is XXXX XXXX. I have a business checking account with chase bank. I recently deposited some checks I received from the company I'm doing work for. I deposited checks the week before XX/XX/22. It had to clear on the XXXX but since I deposited other checks the day before the XXXX the bank froze my account for supposedly fraudulent activity. They still froze all my accounts even after I verifies everything with the bank and the company I work for. This was my only account for my business and all my money was in my account. Now I'm losing days I could of worked because I have no funds to pay for my materials, equipment or employees. Chase bank doesn't want to help me at all to release any funds.
Consumer complaint received 2018-05-17
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: SYNCHRONY FINANCIAL (GA)

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with GE Retail Bank ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against GE Retail Bank ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us  here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my Lowe 's and my HH Gregg remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but GE Retail failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of  consumers GE Retail ( XXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as GE Retail is up to it's old tricks. The accounts have reappeared as XXXX XXXX and Synchrony Lowe 's. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop GE Retail Bank ( XXXX XXXX ). My family and I only have our credit which has been ruined by GE Retail refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that GE is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that GE Retail is following through on the Court Order?
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

About three weeks ago, I couldn't log in into my truist online banking app. 
Said I needed it to call so I did .. the answers was .. your acc has been blocked but I cant see why... so she told me to go to a physical branch. Which I did and their answer was... it looks like your account has been blocked due to fraud, but the system won't show me exactly why..the banker told me to wait until the following week to call and ask. .. so I did and they still didn't have an answer for me... two weeks with a blocked account and {$2.00} dollars in it. I received a letter from truist saying that I was negative {$12000.00} due to some fraudulent checks.. .. and says please pay the balance in order not to send you to collection ... .. but I never did any transactions ... my account was never with more than 1,500 in it.. 
Please help.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (GA)

Hello, I transmitted XXXX $ to recipient in India via Remitly ( https : //www.remitly.com ) on XX/XX/XXXX. Money was supposed to recvd by recipient with in 24 hours.

As of now, XX/XX/XXXX, recipient still has not received the money.

I called them about the customer service, they asked me to provide them with bank statement which was provided to them on XX/XX/XXXX.

I have been repeatedly calling them almost every other day ( plus I have emailed them ), all they tell me is, that they are waiting for a reply from their partner bank.

I have asked them to provide me a number of someone sitting in USA, they have not provided me that.

I have asked for a refund, but again the same answer, that they can not do anything till they receive a reply from partner bank.

I really don't know what to do for this is customer harassment.
Consumer complaint received 2018-05-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I really hope you can help me. Experian and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Consumer complaint received 2018-12-17
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. (TX)

On XX/XX/XXXX I filed a dispute for a purchase made at XXXX XXXX for {$400.00} as the purchase was not received. On XX/XX/XXXX more than 6 months later and well past the timeline allowed to finalize and correct a dispute CHase sent me a letter stating the purchase was made in person, which I stated in my original dispute. The purchases were bought in the store for delivery by XX/XX/XXXX. I received a notice from XXXX XXXX stating the orders had been delivered buy upon arriving home no packages had been delivered. I returned to the store where the purchases were made to inquire. The store told me to wait another day and they should arrive. To date, I have yet to receive this merchandise or a store credit. The purchase receipt clearly shows a shipping charge of XXXX for order Order # XXXX. Yet Chase states there's no evidence the order was shipped or not provided at the time of purchase opposing the original sales receipt or shipping notifications received from the merchant.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I'm having problems mainly with Bank of America. The issue is that there were back payments owed to me through XXXX XXXX XXXX XXXX that I had difficulty getting.

When it was finally resolved, {$790.00} was put on a debit card that was issued by Bank of America apparently in XX/XX/XXXX that I did not know existed or receive in the mail, and can not gather any information or access to this account from Bank of America. However the most recent claim of {$290.00} was sent XX/XX/XXXX by direct deposit to my regular checking account at Bank of America as I had requested. 

My issue is that the soonest that I could get a new debit card sent is this Friday the XX/XX/XXXX, which is coincidentally the same day that my next car payment is due at XXXX XXXX XXXX and has already lapsed once while I was trying to get the XXXX claim processed. 

I can't rely on the card to arrive at the address on time because it is my ex-girlfriend 's mom 's house and she has lost several credit cards that I had mailed to me before now and need the money transferred to my regular bank account, from the Bank of America account created for me by XXXX in XX/XX/XXXX. 

I was also having difficulty discussing eligibility of back payments from XXXX for XX/XX/XXXX because I couldn't get the claims processed and ended up returning to work before ever getting that resolved. 

I've run into every issue possible dealing with all of these agencies so any assistance here would be greatly appreciated. 

Thanks, XXXX
Consumer complaint received 2018-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX/XXXX  & XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX   XXXX never late XXXX  XXXX never late