davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Fl, XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date XX/XX/year> Re Acct [ XXXX ] This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation that is competent evidence bearing my signature, showing that I have [ or ever had ] some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports [ including XXXX, XXXX and XXXX ] from your company or any company that you represent, for a debt that I don't own, is a violation of the Fair debt collection Practices Act FDCPA 807 [ 15 U.S.C. 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports, Fail to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to XXXX in damages for : 1 ] Defamation 2 ] Negligent Enablement of Identity Fraud XXXX ] Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act area. 

For the purposes of 15 U.S.C.1692 et sec , this Notice has the same effects a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2017-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 . All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

For the second time today, I have been denied access to my JP Morgan checking and savings accounts. I tried to sign in with my usual user name and password using the same internet access device I have used in the past. However, I was denied access to my accounts and will not be able to get into the accounts indefinitely. This is abusive and unacceptable. The problem seems to be that when I travel, I sign in from different IP addresses which triggers the lock out. This has happened repeatedly. The website I tried to sign into instructed me to call XXXX. However, a machine answered and asked me for my credit card number, despite the fact that I have no credit card with JP Morgan. After wasting several minutes of my time, and waiting for several machines to spew out irrelevant garbage, someone finally came on the line. However, this person also asked me for my nonexistent credit card number, then referred me to another person who did nothing to restore my access. The second person could not be understood clearly. The connection was poor and she had an accent. She asked me some XXXX questions about pet insurance ( which I used to have but do not presently ), then announced that she needed to change my password and would send me information to my home phone. Since I am hundreds of miles from my home phone, I explained to her that this was pointless and asked her to stop wasting my time. She then announced that she would not grant me access to my account for " security '' reasons. Let me clear here. The problem with this dysfunctional system is that there is no person at JP Morgan who is accountable for these problems and various other people who want non-existent credit and debit card numbers go through irrelevant routines when people are arbitrarily but routinely denied access to their money. 

This has been the situation on my accounts for years. JP Morgan is unaccountable for ensuring that online banking is reliably available instead of intermittently so. 

I have bills to pay and need to check which checks have cleared. But I can not do so with the abusive and deceptive practices of JP Morgan.
Consumer complaint received 2024-10-12
Product: Credit reporting 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 XXXX 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
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I've been off work for over a year with serious health issues and unable to work. 
Recently XX/XX/2019 I was diagnosed with additional health issue that has caused me to be to under Doctor care and having a series of test to determine the cause of my recent health issues. I'm XXXX and receive XXXX. I've requested mortgage assistance with Chase Mortgage with my mortgage. I recently was forced to file Bankruptcy to stop the property foreclosure sale of my home. They have been unwilling to assist me Please! Please! Please Help!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-12
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. (IL)

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 informationisinaccurate.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The company has reported false and inaccurate information on my credit report. They have reported this information to   XXXX   and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Consumer complaint received 2021-02-23
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. (AK)

The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRas. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX mos. ago, I had looked at my Experian credit report and found, along with the other XXXX major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all XXXX credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by Experian sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASTORIA BANK (IL)

We are still processing a short sale with Astoria. On XX/XX/XXXX, I emailed the last remaining requested documentation to XXXX XXXX. She responded to my email that she would review that document and advise me that afternoon whether the foreclosure sale date of XX/XX/XXXX has been postponed. She did not respond as promised. I called Astoria this morning, XX/XX/XXXX, to confirm the foreclosure sale date has been postponed. I spoke with XXXX. I asked her as to a status of postponing the sale date. She said she does n't see that XXXX XXXX notated the file requesting for a postponement from the investor. She said the processor in her absence is XXXX. I asked her to check with XXXX to see if they have postponed the sale date. XXXX stated that she does n't have the document and XXXX does and she will review it for postponement once she gets back from vacation on XX/XX/XXXX. I asked for a supervisor since it 's not appropriate to hold up the entire process for one person 's vacation. She transferred me to XXXX, the " Team Lead '' who says he does n't have the document I confirmed XXXX XXXX had yesterday. I asked him to check her email since she did n't upload it so the rest of the office could see it and XXXX does n't have access to her email to retrieve the document. Once again, XXXX XXXX has lied to me she did not review the document and she failed to update me as promised before she left for vacation. Astoria has continued to provide inferior customer service and I should n't have to spend 90 minutes on the phone with them to get someone to assist with an issue. Astoria continues to  make promises it does n't ever keep.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous accounts that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine. 


XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX
Consumer complaint received 2022-03-02
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. (GA)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX Inquiries : XXXX XXXX  XXXX/XXXX/2020 XXXX XXXXXXXX XXXX XXXX/XXXX/2020 XXXX XXXX XXXX/XXXX/2020
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX ran a Hard Credit on my credit file. 

I did not apply or request any credit from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for XXXX XXXX XXXX XXXX this appears on my credit. 

IT also impacted my credit score for something I did not apply for in which was credit.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XX/XX/XXXX dispute hard inquire I was pre approved then denied XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX dispute hard inquire I was pre approved then denied XXXX XXXX XX/XX/XXXX closed account paid in settlement
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from my credit report
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the XXXX XXXX XXXX  ( XXXX  ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I have reason to be an unauthorized money market account under my name by Citibank and diverted into an unauthorized account. This issue came to my attention when I made a deposit to cover a monthly fee, which at the time had caused an overdraft on my account on XX/XX/year>. Upon completing the deposit, I discovered that it was incorrectly displayed as being made into a money market account. 

I did not request or authorize the creation of a money market account, nor was I informed of its existence until this transaction.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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.