davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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. (NY)

Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7. Creditor has not been able to provide any verification to support that it was sent.

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension.

- When Experian was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611.

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through Experian ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied Experian with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called Experian dispute support on XX/XX/2020. Experian told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the Experian representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with Experian only to have them conveniently hang up while still on hold. Neither Experian or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.
Consumer complaint received 2022-05-01
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. (GA)

I recently contacted this company regarding errors on my credit profile, and on XX/XX/2022 it was resolved. Then the very next day XX/XX/XXXX is was added back to my credit profile. 

Pursuant to 15 USC 1681i B ( ii ) ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-05-01
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. (NY)

in accordance with the Fair Credit Reporting act convergent XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 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
Consumer complaint received 2022-05-01
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. (MD)

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 account without my written instructions.
Consumer complaint received 2023-04-04
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. (VA)

XXXX XXXX XXXX XXXX- the payment history and timeliness of your payments are not being reported. This will be the second time I have disputed the reporting of this account not being accurate.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (KY)

I opened an account with them on XXXX and did not know how to use it. 
I had not done much with it and on XXXX I got a letter in the mail dated XXXX for accounts ending in XXXX & XXXX stating they closed the accounts. 
I had not used the accounts and was puzzled. 
On the same day, I also got a letter dated XXXX saying welcome for opening your accounts on XXXX. 
I found this very odd. 
I called in and spoke with a lady who told me that the reason the account was closed was that I used my cell number which is from a XXXX area code. It was not the same as my address and it was considered fraud. I asked how a cell number I have had for a long time would be considered fraud just because its from a different state? She could not answer. So, I asked for her supervisor. XXXX XXXX got in the line and was very rude and unprofessional. He refused to address me by the title that I earned as XXXX. XXXX XXXX. He kept calling me Mr. XXXX after I addressed this to him. He would try to over talk me. He refused to provide me answers to why my account was closed. He told me he did not have too. I asked him that say question I asked the lady before and he refused to answer. I told him I worked for a news agency and wanted to know the media contact for the bank and he said he did not know the bank had one. He was very being very unprofessional in answering a question to a consumer. 
This bank and its side company need to be investigated. They need to provide answers to consumers as to why they close accounts and not just be allowed to close accounts with no accountability. Consumers have the right to get answers and not be stonewalled. 

After the complaint is submitted I will forward the letters for the record.
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (CA)

Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
Consumer complaint received 2023-01-18
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. (MI)

Even though Im ( the living human ) and not ( the entity person ) responsible for the debt claimed below, I have made several attempts in XXXX to offset the debt the accounts claim I owe. All of the accounts refuse to accept the payments I sent them to offset the debt and thus credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

Also, using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts in question are below : XXXX XXXX XXXX  - {$1400.00} XXXX XXXX  - {$7500.00} XXXX  XXXX- {$29000.00} XXXX XXXX XXXX {$5500.00} XXXX - {$0.00} XXXX XXXX XXXX  - {$14000.00} XXXX - {$6200.00} XXXX - {$4500.00} XXXX XXXXXXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX- {$3300.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. 

Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

Prohibition Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I am filing the complaint against UNIVERSITY OF ARIZONA because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this agency! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2022-05-01
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)

XX/XX/2019, I requested verification under section 609 ( a ) ( XXXX ) ( A ) to Experian, XXXX, and XXXX. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal since they also violated my rights under 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. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : -US BKPT CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX XXXX  -Attorney GeneralXXXX XXXX  -Dept of EdXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VT)

My small business has a XXXX XXXX XXXX credit card with Chase Bank. I wanted to change the authorizing XXXX on the card from myself to my wife, who is the principal business owner. Over the last XXXX  months, Chase has consistently failed to receive the required forms via the submission route they requested, and consistently failed to give me any help or information about how to submit the forms such that they will actually receive and process them. They have rebuffed all requests to speak with anyone in the department responsible for handling those forms, and repeatedly told me to wait XXXX  days with XXXX assurance of assistance. At no point has anyone acknowledged receipt of the form, or offered to help positively confirm the receipt of said form. 

XX/XX/XXXX : I submitted a Change of Authorizing Officer form to the fax number provided XX/XX/XXXX : I called Chase, and they let me know that they had not received the form. They subsequently mailed me a new one, which I submitted via the fax number provided XXXX XXXX, XXXX : I called Chase again, and they said they could not find the form. I resubmitted via the fax number provided XX/XX/XXXX : I went to my local Chase branch, and sat down with a business banking specialist. He made some phone calls, and was able to determine that they yet again could not find the form. He resubmitted the form for me via fax XX/XX/XXXX : I enquired via secure message whether they had received the form XX/XX/XXXX : Chase support replied to my secure message, saying that they could not find the form, and that they had mailed me a new one XX/XX/XXXX : I gave up, submitted this complaint, and plan to close the card
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas
Consumer complaint received 2024-02-05
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NY)

I, XXXX XXXX, was doing business with Discover card since XX/XX/XXXX. They took out protection policy for me without my knowledge. I paid for this unnecessary action up to XX/XX/XXXX. I just happen to notice it when I'd final paid off the balance due. But Discover card still took out money from my account. And, NO notice was given that my account was paid off! I had to call them to stop. Otherwise, they would have continued. It was then that I noticed the unauthorized protection payments. The agent I spoke to stated the company would refund me {$300.00} and that the check would be sent to me if I kept my account open. I was told this XX/XX/XXXX. I kept the account open until XX/XX/XXXX. I'd waited but no check came. I called to find out when I'd get the money. I was told XX/XX/XXXX that I would be paid only {$22.00}. I was lied to.This is not acceptable cause a deal is a deal.Thank you for your help XXXX XXXX, Email : XXXX, cell # ( XXXX ) XXXX-XXXX
Consumer complaint received 2023-04-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (DC)

In a review of my credit report, I am showing 30-days late on my account ending in XXXX. I explained to the representative that I am requesting this information to be corrected as I did not receive the billing statement. I was on e-billing at the time. I suspect that the email ended up in my spam folder. I so infrequently use this account that I would not be expecting it the statement as part of my normal bills. I have a long-standing relationship with you. If you review my account, you will see that this issue is quite unusual and does not reflect the character by which my account has been handled over 10+ years. Thank you in advance.