davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

In the month of XXXX, I deposited two checks in my Chase Bank checking account, one from XXXX XXXX, and the other from XXXX XXXX XXXX, companies for which I provide my services. Chase reported both transactions as fraud, 4 days after the check was not cashed, I called Chase consumer services and they notified me that the account was on hold, because fraud was presumed since the check was handwritten. I explained to them that those checks had been paid to me for my work. They asked me for the security numbers of the company that issued the check, my boss called Chase and confirmed that his company had issued that check, but the bank still has my funds frozen, harming me financially since that money is the product of my work. I have called the Fraud department approximately 6 times and additionally I have personally gone to the Chase office in XXXX, XXXX and I still have not received a response on this matter that affects me a lot. It is worth noting that the company issued several checks by hand and none of my colleagues had any problems.
Consumer complaint received 2023-02-20
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)

On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according t

o 15 USC 1681. According to 15 USC 1681 section 603 ( 3 ) ( E ), 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 consumers reported on or with others with whom he
is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) 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. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX XXXX XXXX Case # XXXX Filed on XX/XX/XXXX
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

Statement showing PAYMENT DUE DATE XX/XX/XXXX//SUMMARY OF ACCOUNT ACTIVITY Purchases {$0.00} INTEREST CHARGE CALCULATION Purchases//Balance Subject to Interest Rate $ XXXX I Processed phone payment XX/XX/XXXX {$400.00} with agent discussed plan to stop making purchases in order to maintain XXXX purchase balance. Agent reversed {$0.00} Interest Charge. My Letter dated XX/XX/XXXX to NFCU. Reply from NFCU indicates reduction in cash limit. Nothing concerning interest over charge interest calculation.
Consumer complaint received 2023-12-07
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)

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Consumer complaint received 2023-05-23
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unpaid Balance {$830.00} ; XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts 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 swiftly.
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

XXXX XXXX was filed to delay the auction of our property on XX/XX/2021. 

XXXX XXXX XXXX XXXX XXXX A short sale was granted by Rushmore Loan Management Services for the amount of {$300000.00} lesser the amount of the balance. The property was sold on XX/XX/2021 and was no longer under the protection of bankruptcy. 

Rushmore Loan Management Services sent a letter dated on XX/XX/2021 to Release of the Mortgage/ Full Reconveyance document that has been filed in XXXX XXXX XXXX XXXX with the Countys Recorders Office . 

The Lien Release Office with Rushmore sent along with the Certificate of Satisfaction dated on XX/XX/2021. 

The information on my credit reports shows that the property was a foreclosure, and does not provide any details about a short sale with the agreed upon pay out of {$300000.00}
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

I have tried at least 50 times to contact Experian to reconcile my credit account. They continually send me emails stating that my credit score has " changed '' or it " has decreased ''. I know my log-in username, but am having trouble with the password. I have followed every possible step to reset the password. I have called the following numbers and can not get ANY assistance : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX I think that this company is fraudulent and deceitful in every way. I would like to get an immediate answer so that I can access my Experian Membership account. I should not be needing to access my private information and can not do so for over 5 months. Please assist in any way. Thank you!
Consumer complaint received 2020-12-29
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. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-29
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. (TX)

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. TRANS UNION, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2020-12-28
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. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on XXXX days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX I, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2022-12-27
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. (TX)

Please be aware of information on my consumer report is inaccurate!. I have tried to mail XXXX XXXX and Experian on 3 different occasion starting XX/XX/XXXX. I have asked to validate these accounts as I do not know of any of these accounts and XXXX was the only one whom responded and stated someone may be working in my favor. I was upset to have waited this long for them to tell me they need proof it is me. When I included a cop of my id along with proof of my address. in XXXX I asked them to reinvestigate and in XX/XX/XXXX I asked them to again reinvestigate and expressed my final warning, no one as return my calls or neither did I get any correspondence to my mail. 
I asked several times to validate verify XXXX THERE ARE SEVERAL LISTED IN MY CONSUMER REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXXY UPSET THIS IS AFFECTING MY CONSUMER REPORT! 
on 3 different occasions the bureaus have failed to respond to me and making me wait and suffer with getting declined for credit. I think this is unfair and should be deleted for reporting inaccurate information.i have read some of the laws and these accounts fall under them and by default should not be on my consumer report! 
THEY ARE ALL REPORTING, FALSE INACCURATE INFORMATION AND HOW CAN YOU DO THIS DURING A PANDEMIC. Delete this for failure to respond over 90 days! here are just some of he laws I read that is showing on my consumer report! 
Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15USC1692f ( 1 ). Unfair Practices Under 15 USC 1692e. False or misleading representations Under 15 USC 1692g. Validation of debts please see all my letters send on my behalf and no one has ever responded nor called me!
Consumer complaint received 2022-08-11
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which 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 remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX  XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/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, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

So I contacted Fifth Third and asked for some ways in getting old statements from 2019. I ALSO told them I was NOT receiving my statements monthly. We investigated and found out that Fifth Third did not send my whole statements monthly. Only the first page of the statements. Usually the lady said it's like 6 pages long explaining what was coming in and coming out every month of my account. She said they failed to do something on their end to fix that. So then I spoke to a lady who was very hard to understand. Hardly spoke English I then asked to speak to someone who did speak English she then told me there was no one available. I told her tons of times that i only wanted statements that was not to be charged for research. I kept telling her over and over I wouldn't have to do this is Fifth Third did not fail to send me my full statements. I then was charged XXXX on my account and then I called back to customer support and she said it was for research fees. She also said they was mailed out in XXXX and I have yet to receive them. The point I am trying to make is if they would of made my statements correctly I could of pulled them from my end and my files and I wouldn't of had to call them for help in the first place. So basically I was charged XXXX on my account and I still have not received those documents. I was only wanting the ones that was free so to speak and because this lady spoke not English she did NOT understand that
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.

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 2020-12-29
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: FirstPoint Collection Resources (NC)

Sent a debt validation letter to a company by the name of FirstPoint Coll Resources Inc Consumer Contact Center to the address listed on my XXXX credit report which was pulled XX/XX/2020. The letter was mailed certified on XX/XX/2020 by USPS. The tracking updated on XX/XX/2020 at XXXX XXXX Forward Expired XXXX, VA XXXX. " Your item was returned to the sender at XXXX XXXX on XX/XX/2020 in XXXX, VA XXXX because the forwarding order for this address is no longer valid. '' I have collection accounts showing on my XXXX that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
Consumer complaint received 2023-02-14
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. (MN)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, 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 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 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 item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern I XXXX XXXX recently received a copy of my credit reported after dispute of items on my credit report. the items disputed were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts where deleted off of my XXXX credit report on XX/XX/2021. I've sent proof to XXXX and transunion that these items was deleted by XXXX. on XX/XX/2021 XXXX and transunion both responded updated in my report. but did not delete these items from my credit report. I'm am aware that all XXXX  credit reports must be XXXX percent accuracy when reporting.