davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX  account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-05-22
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. (AR)

Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
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. (SC)

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

On XX/XX/XXXX I was sent an email from Chime bank stating that they closed my account due to fraudulent activity. They gave me a list of information that they needed in order to open the account back up. When I called to ask why did they close my account, I was told that I needed to turn in that information and that the account cant be opened up without it. They wouldnt even answer my question. They close my account over a refund that I received from a finance company called XXXX where I finance a mattress from a company called XXXX. Between XXXX and XXXX I got all of the information they asked for and Chime still will not open my account. Also what they need to open the account keeps changing with each email that I send in proof. So they basically want proof that I was the intended recipient of {$1600.00} from XXXX ( thats the name that shows up as their merchant ) and why did they give me that amount of money and the Original receipt. So I ended up returning the mattress I financed back to XXXX and XXXX refunded me {$1700.00} to my account. That included the fees I paid and the interest I paid to XXXX. But Chime wants proof of only {$1.00} for some reason from XXXX. I told them if they look at my transactions that they would see that I had automatic payments set up with XXXX to take {$82.00} every two weeks since last XX/XX/XXXX. And when I returned the mattress in XX/XX/XXXX they Reversed all the payments made to them back to my account on XX/XX/XXXX. Ive had XXXX send them an email, they also sent me an email with all the information they asked for along with me sending receipts and the original receipt from XXXX. They are now saying they need A receipt for each reversed payment that they put in my account which was the total of 33 transactions. And that wasnt something they asked for in the beginning. I again told them to look in my transaction history so they can see those payments coming out my account and all they did was reverse them. The company has explained to them that I was to have received {$1700.00} for the refund and return of the mattress I brought from them and they still wont open my account.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Equifax TOLD the CFPB that they deleted an unauthorized inquiry from my report. But when checking my report they in fact did NOT delete the inquiry as they claimed. Meaning they lied to the Consumer Financial Protection Bureau and lied to ME the consumer!
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (SC)

My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. XXXX is {$450.00}, check # XXXX. XXXX XXXX  continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, XXXX
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: Experian Information Solutions Inc. (AZ)

I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.
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. (AZ)

I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

Sometie in XXXX I contacted Chase Bank customer service and asked to close my account and have my funds sent to me because I now live in XXXX and have abandoned plans of coming back to work in the U.S. 

They asked me to send them a secured message thru the banking app requesting for the same. I sent them a secure message and on XX/XX/2022 I received a reply stating that they couldn't close my account at the moment as the balance exceeded XXXX and they gave me 2 options. The first one was to transfer or withdraw funds from the account to bring the balance down then resubmit the request. The second option they gave me was if the balance was below XXXX ( which it was ) to send them a written request to close the account and include the following information : my full name, my full account number, my social security number, my current phone numbers, the address where I want the money sent and how I want to receive the money ( check or account transfer to another chase account ), my signature and date and it should be notarized. 

I have notarized a letter with all the information required and I sent it to them to the address that they wanted me to send it to ( National Accounts Closing in Texas ). 

I sent it on the XXXX of XXXX thru XXXX. According to the XXXX XXXX, they received it on the XXXX of XXXX and an XXXX XXXX signed for it. 

I waited for three weeks and I didn't get a reply, so I called customer service yesterday XX/XX/XXXX and asked about it. I was passed on to different individuals with each forwarding I had to explain everything from the beginning. Nobody could tell me what I needed to do aside from what I had already done. The last person that I talked to yesterday told me to set an appointment with a local branch personnel by phone. I set an appointment and a XXXX XXXX from XXXX XXXX Arizona branch talked to me and his advise was to send him the same papers I have already sent and he was saying he would forward the letter to the same department that I sent it to. I asked for a number for the National Closing Accounts department where my letter was received and he said he did not have a number for them. 

I didn't not resend my letter as I believe it will be a waste of my time and money as I fear I will encounter the same problem.
Consumer complaint received 2020-05-22
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. (CA)

I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.
Consumer complaint received 2020-05-22
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. (MS)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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)

In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
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: Trident Asset Management, L.L.C. (TX)

Hello Trident Asset Management is reporting false information on my credit report. I pulled all 3 reports and they are all reporting different information such as dates, account numbers etc. Isn't this a violation of the FCRA? this account has been disputed several times and they have not corrected or removed it. Also, I need some sort of validation pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA and a signed contract from Trident Asset Management stating I owe them the alleged debt. Thank you in advance for looking into this matter
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 — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX  to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # Equifax : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I've had a conventional mortgage with Wells Fargo since XXXX. In XXXX I refinanced my mortgage utilizing the HAMP program which required I keep an escrow account to pay for annual insurance and property taxes. In XX/XX/XXXX during the Covid-19 pandemic I enrolled in the mortgage forebearance program deferring my mortgage payments for 6 months. At the end of the forebearance program Wells Fargo required I repay the missed payments which totaled almost {$10000.00}. I could not repay the missed payments but I did resume paying my monthy mortgage payments including escrow account fees. In XX/XX/XXXX I repaid all the payments missed from when I was in the forebearance program. In XXXX of XXXX I made a large payment, {$50000.00}, towards the loan principal reducing the loan principal balance to around {$53000.00}. I also asked Wells Fargo to eliminate the requirement I keep an escrow account. On XX/XX/XXXX I received a letter from Wells Fargo telling me they would not eliminate the escrow account requirement because I had allegedly missed payments. I called Wells Fargo to inquire the dates of the alleged missed payments and they said it was during the approved forebearance period. I argued the payments missed during the forebearance program were approved and should not be considered " late. '' Wells Fargo disagreed and considers these payments " late. ''
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My banking account was hacked and money was stolen from my account and the banking company did not help in any way, they cut off access to my funds and so I have no way to pay for anything including my rent. So instead of helping me do banking and get my money back they cut me off from my funds.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NC)

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block 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 which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX  XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021