davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

My mortgage is serviced by Chase. On XX/XX/2019 I made my XXXX mortgage payment early. I had autopay set up with Chase, and Chase drafted a payment of {$3600.00} on XX/XX/XXXX, even though the XXXX payment had already been made. This overdrew our checking account, and I had to spend considering time and expense rectifying the situation. 

I did not expect that Chase would do this because 1 ) The autopay page on their system showed XX/XX/XXXX as the 'due date ', after the payment for XXXX had been made and stated 'your payment will be drafted *on the due date* ' 2 ) I had at some point been assured by a Chase CSR that they wouldn't do this. 
3 ) I have never had a servicer do this ; there is simply no reason for a servicer to take a payment which has already been made three weeks earlier, the autopay authorization not withstanding. The autopay is an authorization to take the payment *on the due date*, not to process payments arbitrarily. 

Chase 's position is that they did nothing wrong. They claim that the XX/XX/XXXX draft was taken so as to be applied to XXXX payment ( see attached correspondence from Chase ). Moreover they say that on XX/XX/XXXX they sent me a text warning me that the next payment would be drafted in XXXX. I attach the text, and it has all dates omitted due to an error in Chase 's system. 

Chase has capriciously set up a system which takes payments whether or not they are due - there is no reason for them to take XXXX 's payment in XXXX - their own system had confusing and misleading information about when the next payment would be taken, and their notification system was defective, omitting dates in a key text. 

Their reckless behavior could easily have lead to a disaster had I not noticed and rectified the overdrawn checking account that day. They have refused to take any responsibility, or compensate me for the time and expenses involved.
Consumer complaint received 2022-07-28
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. (MD)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-28
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. (CA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to meXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recovery Solutions, LLC (TX)

This company has failed to respond again. I previously filed a CFPB complaint advising this company failed to produce validation documents. I received a response through this portal and then I received a letter via XXXX from the parent company advising they take my complaint seriously and will receive the requested validation documents within 30 days. As of today, I have not received any validation documents, no phone calls or no other letters indicating that I will be receiving my documents soon. As this point, I have lost patience with trying to resolve my account. I have hired a lawyer and in the process of filing a lawsuit against the company for failing to provide validation documents within a certain time frame. This company has not reached out to my job to complete an employment verification and again I have not received any validation documents. Any future correspondence will need to be sent to my attorney. I am requesting that this company, NRS, CEASE & DESIST ALL COMMUNICATION!! No letters and no calls.
Consumer complaint received 2022-10-07
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)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!
Consumer complaint received 2022-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of identity theft, I have had someone use my identity with different names, addresses and information. I need this investigated and fixed immediately. 

CAPITAL ONE Opened : XX/XX/18 Balance : {$7900.00}
Consumer complaint received 2022-07-28
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 am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-30
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. (FL)

The credit reporting agencies all 3 that i sent letters by certified mail to verify all my information on my reports. I ask them to verify All my information, they stated in a return letter that they did. But looking at my credit reports almost all the dates and amounts are different and dont match. I ask them remove an entry about an aprtment that was fraudulently put in my name using my personal information, I lived in my own home from XXXX to XXXX located at XXXX XXXX XXXX XXXX XXXX, TX. XXXX and a Company called XXXX at XXXX in XXXX XXXX, TX. allowed someone to get an apartment in my name, using my personal information. This is wrong!! 
The following information in my credit file is inaccurate still, after they said they verified it. 
XXXX at XXXX - XXXX - XXXX. XXXX - several accounts under my name. 
XXXXXXXX XXXX  Acct # XXXX - never had an account with these people, but somehow i owe them {$2900.00} XXXXXXXX XXXX XXXX - Acct XXXX XXXX Trying to collect {$4100.00} on a fraudulent apartment. 
XXXX. XXXX XXXX - Acct XXXX- Never had an account with these people! 
XXXX. XXXX XXXX - Paid them in full but they will not changen the info on my reports.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

Hello, I am reaching out looking for help in regards to my banking relationship with PNC. I was a customer of theirs for around 20 years with the same accounts. On XX/XX/XXXX I attempted to access my account via mobile login. The login was not working and I was unable to use the password reset to regain access to my account. Since it was a holiday I decided to wait until the following day and called PNC on XX/XX/XXXX. After 20-30 minutes on the phone someone finally realized that I was supposedly mailed a letter around XX/XX/XXXX stating that PNC decided that they wanted to end our banking relationship. I asked how this was communicated and I was told a letter was mailed to me. I asked why and was told it just stated that just like a customer can decide they don't want to do business, PNC also has that right. I never received a letter, nor any other form of communication that my account was being closed. 

At the time of this incident I had nearly {$30000.00} in my checking and savings account and was frozen from accessing it with no notification. I went to my local PNC branch and after spending quite a bit of time there was able to get them to move my money to one checking account and then told to write a manual check to transfer only. I was not able to withdrawal cash from my account at that time. I went through the steps of this process and created a new account and wrote a check. This process took nearly a week for the check to clear so I was without my money from almost a week. 

Another challenge with this situation is that I have no access to see which transactions were hitting my account, nor access to my account to pull statements to see what is going on. I do not balance to the total I was given today in my account and have no way to review transactions to balance my checkbook. I was also told that a certified check would be cut on XX/XX/XXXX clearing out the balance remaining in my account. I just called PNC and they said this process could take a week or more. This is not acceptable to me. Also, I still have no access to pull my bank statements that are all stored digitally online only. I was told that I can not gain access and the only way is to write a letter asking for each monthly statement. 

This entire situation seems wrong and illegal. How can a bank decide they no longer want to do business with me and all they have to do is say they mailed a letter first class to tell me? Then not allow me to withdrawal cash from my account? It is not like I did anything wrong in this situation to be treated in this manner. They chose not to work with me and then held my money and information XXXX. 

I am hoping that someone can help me get the rest of my money and get access to all of my statements that are digital only. Ideally I feel like I should be compensated in some matter for not having access to my cash for almost a week, as well as having to spend hours of time on the matter because I was blindsided.
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I believe I opened this account in XXXX of XXXX. I paid my payments, as I pay the rest of my bills via XXXX bank online. Everything was fine until a late fee in XX/XX/XXXX. I called and was treated poorly by foreign speaking customer service agents until I finally got a supervisor. He explained that theyd moved billing addresses and werent set up to take electronic payments or something like that. He removed the late fee and advised I pay through a Q code on my bill. It was a hassle, but I did that until last month when the Q code was not on the bill. I assumed theyd corrected the electronic payment issue and paid through my bank on XX/XX/XXXX. XXXX due XXXX XXXX. I receive XXXX bill with another late fee. I called and was treated poorly by two, foreign speaking people who refused to transfer me to a manager. I was told no electronic payments and it was posted a day late. I ended up speaking poorly in the end of a 30 minute argument for a manager or at least someone I could understand and hung up, which I regret. I have several accounts with comenity bank, but the XXXX account has been horrible. All other accounts with this bank accept electronic payments. The multiple changes in payment methods to this account are not my responsibility.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Braviant Holdings, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SUNUPFIN, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. 

It has unequivocally come to my attention that SUNUPFIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes.

I assert with unwavering certainty that I have not provided consent for SUNUPFIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws.

I demand, with the utmost certainty, that SUNUPFIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SUNUPFIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2022-07-28
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. (MN)

In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/XXXX 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 instructions.