davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XXXX/XXXX/2018
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Several demands over the past XXXX and you are still reporting several inaccuracies in my consumer report pursuan

t to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TX)

While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX XXXX, 2015 Chase Bank, XXXX XXXX XXXX XXXX XXXX, XXXX Michigan XXXX sent a Fraudulent Wire Check Transfer to my XXXX XXXX, Michigan Account for {$1500.00}. I withdrew this {$1500.00} out of my checking account on XXXX XXXX, 2015 not knowing that is was fraudulent. On XXXX XXXX, 2015 XXXX XXXX, Michigan informed me that the Wire Transfer Check had Bounced from Chase Bank, and I was being charged for {$1500.00} and all subsequent overdraft fees. XXXX XXXX subsequently took my deposits into my checking account Veteran 's, Unemployment, ect. to pay for this bounced Wire Check From Chase Bank, and closed the account leaving {$800.00} unpaid.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : ACHIEVE PERSONAL LOANS Account Number # XXXX. In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my XXXXXXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXXXXXX Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to XXXX XXXX XXXX ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION XXXX THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

I had a vehicle loan with Ally Financial on my XXXX XXXX XXXX, started in XX/XX/XXXX. On XX/XX/XXXX, the loan was paid when I refinanced with a new bank. I was entitled to a gap insurance refund from Ally Financial. I made the request on XX/XX/XXXX to XXXX ( point of sale ). I never heard anything from Ally, so I contacted again XX/XX/XXXX. XXXX confirmed that Ally received the {$410.00} on XX/XX/XXXX. Ally advised on XX/XX/XXXX that the funds would be released in 30 days. I still never received anything from them. I contacted them back in the beginning of XXXX and was told that the check had been approved for release on XX/XX/XXXX but had not been mailed. I was advised the check was being mailed that day. I received the check on XX/XX/XXXX ( check # XXXX ) in the amount of {$410.00}, and deposited it via mobile deposit into my XXXX  XXXX XXXX checking account. On XX/XX/XXXX I received a notice from my bank that the check was returned and that I would be assessed a {$12.00} return check fee. I contacted Ally again XX/XX/XXXX and was told the representative I had spoken with had put a stop payment on the check and requested a replacement ( I was told multiple times a new check would NOT be reissued ). I asked about the status of the replacement check and was told they could not tell me. Each time you call, it is atleast 30 minutes to an hour to reach someone and you must contact them during business hours, which is when I am also working. I just want the money that is already mutually agreed is owed to me.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ONLINE Information Services, Inc. (GA)

Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX I placed an online order with the company XXXX XXXX XXXX XXXX using my American Express Credit Card. This order was " supposedly '' delivered to me by merchant. When contacted XXXX to dispute transaction they never respond. Only once was I contacted about this on an email that stated the situation was being escalated, never heard from them again. My credit card company received the dispute on the charge directly by me, and after a month they now decided to side with this merchant and their excuse stating the goods were delivered to me even though, me nor anyone in my household ever sign and acknowledged the arrival or delivery of purchase. There is a man office located at the main entrance of my apartment complex, my apartment complex is also a gated community. If the delivery driver saw the opportunity to skip the main office were this packages should be delivered to, and thought was easier to just enter with no code or authorization to my property was the wrong call. Left a package stranded on some random door, cant even confirm it was my apartment and now don't want to refund my money or at least offer to send merchandise I paid for. I already provided the main office contact info to both the credit company and the merchant to confirm procedure for package deliveries and to prove neither I or management received this goods still no resolution. I don't have my money, no one seems to care about it, at the end of the day is just {$200.00} for them ... pocket change for these corporations run by billionaires whom don't care about us the nave population.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report.
Consumer complaint received 2022-07-20
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-02-22
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (TX)

WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I contacted Capital One because I noticed fraudulent charges on my statement. The four charges were : {$36.00} from XXXX XXXX gas station, {$60.00} from XXXX XXXX XXXX, {$180.00} from XX/XX/XXXX and {$1200.00} also from XX/XX/XXXX totaling {$1400.00}. I confirmed that all 4 charges were made in person in XX/XX/XXXX. After filing a claim with Capital One, I never heard anything more from them so I called again on XX/XX/XXXX and then again a third time until they finally addressed the issue. They temporarily issued the credit back on my card while they investigated the fraud. On XX/XX/2020 I received a letter from Capital One confirming that they were investigating the fraud and assuring me that I would not be liable for any unauthorized charges. On XX/XX/2020 I received two letters from Capital One. The first letter stated that the investigation was resolved and that I was not being held responsible for any fraudulent charges. The second letter, dated the same, stated that they completed the investigation and they found no indication of fraud and they credited the charges back onto my account. I called Capital One and they confirmed that they did not think these charges were fraud therefore I am responsible for paying these charges. All 4 charges were made in person in XX/XX/XXXX, a state that I have never been to ( I reside in XX/XX/XXXX ). These charges appeared on my XX/XX/2020 statement, but I unfortunately did not notice them until XXXX because I don't use this credit card so I don't check the monthly statements. Because I did not flag this for Capital One early enough, they are claiming that the charges are not fraud. I have proof that I did not make these charges, starting with the fact that they were made in XX/XX/XXXX, and I've never been there. I also have statements from my other credit card that show purchases I made in XX/XX/XXXX on the exact dates that these charges were made in XX/XX/XXXX XX/XX/XXXX I've spoken to several different people from Capital One over the last month and I've tried everything. I've tried to send them proof that these charges were not authorized by me, but they are still not accepting that these were fraudulent charges and they are making me pay.
Consumer complaint received 2017-10-13
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. (NC)

Both Experian and XXXX will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the XXXX of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The XXXX of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to Experian, XXXX and XXXX. XXXX has updated my account and removed all late payments. Experian and XXXX has not. I started a dispute with both and Experian made no changes. XXXX has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (KY)

This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.