davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: JPMORGAN CHASE & CO. (WA)

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the Chase XXXX XXXX XXXX active for her to use. We contacted the Chase credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get Chase XXXX correct this error. The Chase credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. Chase is now not returning my calls.

This erroneous Chase information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (CA)

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 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

XXXXXXXX XXXX XXXX XXXXXXXX has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of LAKEVIEW LOAN SERVICING , LLC, who the affiant also has no contract with. This company is harassing and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is LAKEVIEW LOAN SERVICING , LLC default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al..

This company has furnished deceptive forms to a consumer/natural person. Communication is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within 5 business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act.

Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. LAKEVIEW LOAN SERVICING , LLC has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule 453 with the Internal Revenue Service.

What these two companies are doing is Identity theft. This is illegal and the RICO Act will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX I sent a check to Capital One in the amount of {$560.00}. The money was never posted to my platinum card # ending in XXXX. After a couple weeks I called to find out what happened and was told they never got a check. I have images of the check front and back and the account number it was deposited into, which apparently was a fake account because Capital One  claimed they knew nothing about it. When I sent the check in XXXX my credit card was only suspended for being past due but because they lost the check, so I canceled the first check and I had to send another check that didnt get posted to my account until XXXX XXXX and by that time my card was permanently restricted. At the time I only owed {$88.00} on my credit card, but because they restricted my card it was useless. My XXXX XXXX was affected because I have been trying for over a year to fix my account and they kept charging me late fees for non-payment and nobody cared there was an obvious attempt at fraud and the first check I sent never made it into my account. I filed a dispute and they said they didnt care and I still owe late fees on a card they canceled, even though I paid them within the XXXX period. I just spoke with XXXX in the fraud department ( XXXX ) and he said he didnt care someone attempted to steal the first {$560.00} I sent in XXXX of 2021. And I still owe {$210.00} on the credit card they restricted due to non-payment. I am at my wits end with Capital One and now Im filing a complaint because they dont care that they lost or someone tried to steal the first money I sent them in XX/XX/2021. They have since closed my account and said I still owe late fees on a card that they killed and rendered useless, even though I made my payment on time, which got lost. Talking with them does not help me anymore.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

My Venmo debit card was stolen on XX/XX/XXXX, which was reported to the company and the police. 

9 charges were made to the card for an amount close to XXXX dollars. 

I Notified the company when the charges were in pending status, they told me that to make the claim possible I had to wait until the status of the charges were completed, On the weekend I was notified that 7 of the claimes were denied that means that I am not gettig my money back Also there are 2 claismes pending to be resolved.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (WY)

A dispute was generated by Experian on XX/XX/2020 for a closed account according to my Experian Credit Score account. When I disputed this, Experian not only took off the closed account, but took my credit card account off of my Experian credit score account as well. Now my credit score account says I have 0 open accounts when in fact I do have a checking, savings and credit card account all with XXXX XXXX XXXX. And XXXX also told me Experian isn't letting them pull up any of my information to fix the fact I can't check my credit score on XXXX. When I try checking my credit score on XXXX it says " unavailable at this time. '' To conclude my complain/problem I need Experian to put my open account back on my Experian Credit Score account so I can continue increasing my credit and I also would like my credit score points from the duration of my open account not being on my Experian account to be reimbursed and Experian also needs to fix XXXX so I can check my credit score on there again. Sorry for any inconveniences, but I have sent several emails and made several phone calls and still have nothing resolved.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (GA)

You continue to report this account status as " Petition for XXXX XXXX XXXXankruptcy '' and as a charge off when it should be reported as paid in full or deleted. I have talked directly with XXXX XXXX XXXX and they have confirmed the status of paid in full no charge off and no Petition for XXXX XXXX Bankruptcy. I have included the letter from them as well. I have been denied a mortgage and numerous credit opportunities because you continue to lie and say you have confirmed this with them. Under the fair reporting act my next step is to sue you if you do not fix this immediately. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX Bankruptcy. 
Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2500.00} Highest balance {$1700.00} Terms NA
Consumer complaint received 2023-01-23
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please remove the items in my credit report that are causing problems with my records. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  ;
Consumer complaint received 2023-01-23
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: CREDIT ACCEPTANCE CORPORATION (WI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-23
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: OneMain Finance Corporation (WI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Today in the XXXX of XXXX, I received an alert from my credit monitoring system which reported that Kohls reported that my payment was late. I contacted Kohls and due to COVID 19, they were unable to answer however it asked if I would like to make a payment of {$2.00}. I Paid the card off a month or two ago and the {$2.00} was for finance charges accrued after I made the final payment. It should not have been reported as late for the finance charge when I paid the entire balance one and also COVID allowed a deferment even though I never called because I paid the card off in I believe XXXX.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has sent negative information to the XXXX  without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused stress and XXXX in my life.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : 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 XXXX XXXX XXXX. 


Account name : XXXX, Account # XXXX, Account name : XXXXXXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX 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 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.

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 2023-01-23
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: Commonwealth Financial Systems, 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.

Common Wealth Finance, 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 2023-01-23
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: Experian Information Solutions Inc. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions