davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Last XX/XX/XXXX my ex husband was late on the car payment with capitol one auto finance, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XX/XX/XXXX. I  still have to suffer because of his negligence even though we are no longer married. In XX/XX/XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with capitol one was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
Consumer complaint received 2018-05-16
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)

In XX/XX/XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, Experian and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, XXXX, lists my public record update as XX/XX/XXXX, Experian has not updated my public record, but they also have not sent me their MOV either.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had an account with XXXX XXXX that was supposed to be ineligible for overdrafts. When the first stimulus checks were sent out they closed my account because it had been overdrawn without my knowledge. I contacted them and was given the run around multiple times. Finally received a call saying they could not reopen my account and that I owed them money. I then opened a bank account at Bank of America and the same thing happened. They were second chance accounts which I understood could not be overdrawn for any reason but yet both of them allowed the transactions to process and then closed my account and refused to help me fix the problem. I still receive notices from Bank of America that are account statements even though I am unable to access the account information whatsoever. Now I am unable to open an account anywhere because of their reports of irresponsible use.
Consumer complaint received 2022-03-05
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. (TX)

On XX/XX/2022, Experian personnel informed me to submit my ftc identity report again. I submitted the downloaded PDF that I obtained from FTC. EXPERIAN THREATENED ME AND ACCUSED me of furnishing a fake report, despite The report coming directly from FTC. Experian blocked out the identity theft report I initially submitted. I submitted the identity theft report a second time and I was told that it was fraud. Experian uses generic responses to avoid following the law. I am submitting the PDF DOWNLOAD as well as the screenshots. Experians response is generic and fraudulent.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Money has been stolen from all XXXX of my accounts! I have made a police report and I had to close mu accounts and reopened new once. I had almost XXXX $ stolen from me. Using checks. I need help. Even after opening new accounts today I had another XXXX $ stolen from my account. The bank isnt doing its job. They made me go get a police report and when XXXX XXXX it to them they made a mistake so I lost a week and had to let them know that they didnt send it he police report since I got a letter about it. So I went back and they submitted it again and once again I got a letter saying that they have not received the police report. These people keep taking my money every day. I have copies of all the forms they have filled out and none of them have my signature. I dont know what to do anymore. Can I sue the bank? Its is chase bank.
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (UT)

Was sent over by doctor from XXXX XXXX XXXX XXXX XXXX to have test done. They were in the same XXXX XXXX building and used the same receptionist and front desk. Was never told that they were not under my insurance. Disputed bill with XXXX XXXX multiple times and was never responded to. XXXX disputed the bill multiple times with representatives over telephone on XXXX XXXX, sent a letter on XX/XX/2021 and additional phone calls later, and was never responded to, and only sent bills. Was turned over to collections with no written warning from either XXXX XXXX or Express Recovery XXXX, and never received notices for payment. Express Recovery XXXX then filed collections on all three major credit reporting agencies dropping my credit score over XXXX points. Was never notified of this either. Disputed results multiple times with credit agencies. Disputes were found in my favor and removed for 1-2 days and then Express Recovery XXXX then submits a new collection account with no contact whatsoever. Both XXXX XXXX and Express Recovery XXXX are in violation of the Fair Debt Collection Practices Act.
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX 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 instruction.
Consumer complaint received 2022-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE SEVERAL FRADULENT INQUIRIES ON MY TRANSUNION CREDIT REPORT THEY ARE XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I ALSO HAVE A FRADULENT ACCOUNT FROM XXXX XXXX OPENED ON XX/XX/XXXX. 

I HAVE ATTACHED AN FTC REPORT.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

My complaint is with XXXX  and XXXX and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as XXXX XXXX and XXXX and Discover. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as XXXX XXXX and XXXX report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by Discover XXXX   uses a 3rd party called Furnisher. I have never initiated nor authorized any services from Furnisher. Furnisher has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither XXXX and XXXX nor XXXX  have credit score information and scores matching XXXX and XXXX ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX   in my case. None of the scores listed on any of XXXX AND XXXX 'S declination letters matched XXXX  customer reported information. Nor did XXXX XXXX XXXX 's XXXX XXXX third party site.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union has DATA ENTRY TYPING PROBLEMS IN incorrect spelling of my name. They failed to correctly SPELL my name. There should be ONE CORRECT NAME, ONE CORRECT ADDRESS AND ONE CORRECT EMPLOYER INFORMATION.
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX 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 instruction.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

Back in XXXX I had a revolving debt from XXXX XXXX XXXX XXXX to which the balance was about {$1200.00} at the time and went to collections. Discussing it with the Collection Agency at the time we had resolved it with a settlement of about {$880.00} to rid of the account and have it off of my credit report. After 3 years I was recently hit with a surprise on my credit report that this account is still in a collection status and is {$1700.00} and has been revolving with about XXXX different collection agencies. What I found very odd to this situation though is Ive never gotten a notice through my mailing address and when the collector sent me a link with this balance I noticed they have a different mailing address. I tried disputing it but they disregarded it since it was associated with my social security number. I clarified that Im not denying ever having this account but it was paid with the collection agency at the time. I tried finding emails in reference to help my case but its been 3 years and I wasnt expecting to hold records for something that was suppose to be said and done. Tried reaching out to the bank institution that I was with at the time to go through billing statements but it comes with a large fee to get access and Im not in a position to spend that type of money so frivolously. My back is cornered and need help resolving this because this is effecting my life goals at the moment
Consumer complaint received 2018-12-15
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. (MA)

Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.
Consumer complaint received 2018-12-15
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. (MA)

Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.
Consumer complaint received 2018-12-15
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. (MA)

Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.
Consumer complaint received 2022-03-05
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. (OK)

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something 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 debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something 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 debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2018-05-16
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. (NC)

I Will be uploading supporting documents from my bank XXXX XXXX XXXX XXXX that my credit card account is open not close or transfered.