davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The In accordance with the Fair Credit reporting act XXXX XXXX XXXX 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. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mr. Cooper Group Inc. (SC)

Someone connected or allegedly connected with Mr Cooper. A representative I had spoken with had accessed to my account and taken the money with out permission for their personal use. The amount was supposed to be {$1600.00}, for XXXX payments of {$800.00} to catch up for XXXX months payment. It was during the Covid pandemic and the employee was working from home. The bank notified me that XXXX XXXX dollars was being charged to my account in which I did not have and was very helpful to me. I was told by the bank to notify Mr Cooper about this error. I notified Mr Cooper representative and told them what happened and of course I was speaking to a different representative they apologized and said the error would be corrected. A week later the bank notified me Mr Cooper repeated the same transaction to draft XXXX XXXX dollars out of my account at the point I did not know who I was dealing with.
Consumer complaint received 2020-05-28
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. (WA)

on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, Experian, XXXX  and XXXX they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (NC)

I recently received my stimulus payment on XX/XX/2020 i had it deposited in my CURRENT CARD account.on XX/XX/XXXX my stimulus money started missing out of my account. A total of XXXX was took out of my account thru different apps like XXXX, XXXX, and XXXX.I filed a dispute on XX/XX/XXXX once I notice my money was missing and I was told that I would receive a credit in 10days even if the investigation is still ongoing. It has been a total of 18 business days and I have heard nothing from the card company.Every time I try and call i get a automated message.everyone I speak with online tell me I will get a email and they don't have another update .I had to beg to speak to a supervisor who tells me she didnt have an update .i have also tried emailing and I get the same thing no updAte and sometimes no response .I believe this card company has something to do with my money going missing .I read several reviews and they are basically scamming people out of their stimulus money, this is a hard time for everyone and this money is to help other stay afloat not to have someone take advantage on them.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One bank decided to stop making their " XXXX Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the XXXX account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old XXXX account and the new XXXX account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).
Consumer complaint received 2023-02-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-11
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. (NC)

My address is incorrect on my Equifax credit report but correct on XXXX and XXXX. I have downloaded documents to their website portal and taxed them proof my address is incorrect. I sold my house, Moved away for a year then bought a house at a different address. They put.down my old address ( the house I sold again. ) When XXXX pulled my credit Equifax said I didn't have a credit file. I have tried for 3 months to get this corrected without any success! My personal information was also compromised by their data breach and I didn't receive the compensation they promised after I filed.
Consumer complaint received 2023-01-11
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. (TX)

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 and caused defamation of my character : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act, XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was not given what I paid for by a merchant ( XXXX XXXX ) on the Day of XX/XX/2022. I waited for another XXXX weeks for them to provide me with the documentation they said they would provide minutes after the payment was made. That never happened so I filed the report with the bank who temporarily refunded me the {$1100.00} that was charged. On XX/XX/XXXX after their investigation was concluded the funds were reversed because there was a Peer to Peer XXXX  transaction done that was not within the chargeback parameters. I then called back Chase Bank in mid XXXX to show that I had recorded the conversation with the XXXX Representative and how could I submit the documentation. They said fax the link over to the back office with the claim number. This would later be ignored because they did not view the submitted link for review or send to the insurance department for fraud coverage. Yesterday I spoke to them on the phone as well regarding the issue and they were very biased about documentation and said only the company could say it was an incorrect charge. I never knew about a third party in the mix with the debit charge and was never told of this. That means the charge was not authorized on those terms by me or any parties connected to me.
Consumer complaint received 2023-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received dispute results from Transunion, however Transunion has not sent proof of investigation ; who Transunion spoke to from companies, phone number of person who verified information on consumer report. By law after dispute results are sent to consumer and consumer ask for proof of investigation Transunion has 15 days to provide proof of verification or delete accounts from credit profile. It is pass the 15 day period to provide proof and I am demanding deletion of all the accounts. Company addresses and XXXX numbers are not proof of verification as this is public information.
Consumer complaint received 2023-01-11
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. (OK)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized Card Transaction : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and noticed transaction ( s ) that I did not make. I had my debit card in my possession and did not authorize anyone to use my card or my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee Total {$11000.00} + {$100.00} wire fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent 1 week And I called again they said the claim is denied. Chase says they are not at fault and it's my fault. I didn't even get any calls and email for confirm this transaction. 
This is chase security issue. 
They even told me to contact the person who sent the money. 
Of course I don't know who they are. 
I think it's something I made up. 
I asked chase supervisor what to do. 
She told me report the police so I did.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC (OR)

I have been in the process of refinance with Box Home loans since XX/XX/2020. They have been non-responsive to me when trying to clarify what they needed ( no response to emails or inquiries through my account page with them ). They have asked for verification on " interest in properties '' that I have never owned and then will no clarify where their information comes from. I have responded quickly to any request for documentation. After 6 weeks, my application has not even gone through the initial review phase. We have a previous relationship as I have done one home purchase and one refinance through them. I am really frustrated about what appears to be their incompetence. 
Thank you.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Auto Advantage Finance, LLC (OK)

I purchased a car from XXXX XXXX XXXX in XX/XX/2022. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

When Citizens bank attempted to take an automatic payment for my mortgage from my checking account, they were unable to do so because of some large pending purchases I had on that day. I was never called, texted or emailed about this issue and instead it was reported to all XXXX credit bureaus as a defaulted payment. I only found out about this " late payment '' when I logged into XXXX XXXX and saw that my scores dropped by nearly XXXX points! Who knows how many payments would have been late had I not seen this. I called customer service at Citizens and I was patronized by the off-site associate and was told that there is nothing I can do about it. She said that they sent me a letter in the mail which I did not receive nor do I think that is an appropriate means of notifying someone of something urgent. I don't think this is good faith practice by them at all. I am able to pay my mortgage and what is owed but I want to rectify my credit impact.
Consumer complaint received 2023-01-11
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. (CO)

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

Experian, XXXX, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute to XXXX & Transunion about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I called the CapitalOne " Quicksilver '' Credit Card help line to do just one thing : change my primary address ( I had recently moved ). Three different agents got on the line. None of them could change my address. They were incapable. They just passed me along - and none of them retained any of the information that I had just provided to the prior agent. In one case - the system transferred my call on its own, while I was on-hold with another agent, who was supposedly updating my address. All three asked me for all the same, repetitive security verification steps- one even sent me a code via text message - but none of them were able to execute a simple change of address. I spent a long, long time on the phone. Note : I had been on-line to add my new address by myself, and change it to my primary address - vis CapitalOne 's on-line system - but CapitalOne 's system kept sending the same error message to me - over and over ... that it " couldn't recognize my ( new ) address ''!!... the simple street address where I live, and where I now get all my mail and statements from several other credit card companies. Out of frustration, I told the agent to please " cancel my credit card and CapitalOne accounts ''.. They couldn't and wouldn't.. I went on-line to cancel all my CapitalOne accounts- and there was no way to do it there either. There was not even any way to reach someone at CaptialOne by eMail or messaging - after getting nowhere when speaking with several 'humans ' on the phone. I tried to make a complaint on CapitalOne 's system, but there was no way to do that either. 
Net : CapitalOne employees and their so-called Customer Support Center wasted all my time, they could not even make a simple address change, they did not Cancel my card or any accounts as requested,, and they had NO mechanism - on-line or via their systems - to accept or register a complaint, nor a mechanism for me, a Customer, to escalate a problem to more senior people or management within the CapitalOne organization. Very, very poor Customer Support and service. It was 'no service ' at all ... in-person or via their systems. Evidence of a poorly managed company, for certain.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

As stated in last complaint transuinion is actively displaying inaccurate information on my XXXX XXXX account and i have tried to solve qoth them but yet they refuse to investigate and or fix. Account has been reaged opened and closed etc and they are refusing to address the issue or correct it please see below photos account was closed 5 years ago not 2022.