davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

I've received statement from XXXX XXXX XXXX XXXX service which I do not have. I've been using XXXX XXXX XXXX for business for many years now. I don't have anything to do with XXXX XXXX XXXX I'm vigorously disputing this and would like to get this contaminated report off my credit report.
Consumer complaint received 2023-07-18
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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: LoanCare, LLC (OH)

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states, " 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. XXXX XXXX XXXX XXXX  are consumer reporting agencies, and I am the Consumer. I also have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LOANCARE LLC XXXX # XXXX is a financial institution by definition under that title.15 USC 1681 section 604a section 2 states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' LOANCARE LLC XXXX # XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, LoanCare whether it be verbal, non-verbal, written, implied, or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LOANCARE Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) also states, " Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting without my permission which is against the law.15 U.S.Code 1681s2 ( A ) ( 1 ) A states " 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.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and XXXX are not maintaining reasonable procedures. Also in accordance with 12 CFR 1016 .7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Consumer complaint received 2024-01-31
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)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In about XX/XX/XXXX I applied for a BJs Credit Card  and was granted a Master Card in the amount of {$1500.00}. 

I received a bill in the mail for {$35.00} placed on my MasterCard for the renewal of my BJs membership. At the time when I received the bill, I knew it was an ERROR because I had not ACTIVATED this credit card AND had not AUTHORIZED any purchases. I immediately contacted BJs and explained to them that a {$35.00} charge was placed on my MasterCard that I did not AUTHORIZE. 

I asked if the charges could be removed because I did not make them. The young lady stated she would REMOVE THE CHARGES immediately. That was not done as promised! 

A month later I received a bill from BJs stating I owed the {$35.00} plus a late fee of {$16.00} which totaled my bill to {$51.00}. Again, I got on the phone and contacted XXXX Capital Bank to resolve the issue. Again, I was assured that the {$51.00} would be removed from my account. That was not done as promised! 

I received a letter dated XX/XX/XXXX, stating Ownership of your BJs Perks Plus MasterCard account has been transferred from XXXX XXXX Bank to Capital One, N.A. and is now called a BJs One Mastercard. As part of that transfer, were reaching out about an important change to your account. Capital One gave me a new account number.

I contacted Capital One and explained what happened and asked for the charges to be removed from my account. The young lady at Capital One stated she would contact the three credit bureaus to have the information wiped/removed from my file. That did not happen.

I have been blatantly getting the run around for the longest time and everyone I have spoken with regarding getting this matter resolved- They have FAILED me. 

When I applied for a Home Mortgage Loan my credit score had dropped significantly due to this infraction.

I am totally devastated because this gives LENDERS the impression that I am NOT capable of paying my bills in a timely fashion, which is NOT true.
Consumer complaint received 2023-11-03
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. (GA)

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 NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NC)

Chase Freedom Unlimited credit card # XXXX XXXX XXXX XXXX Received card in the mail on XX/XX/XXXX, never ordered the card. Called the company to tell them and they cancelled it. 
Problem, because of Identity theft early in XXXX, I put a freeze on my S.S. number, still in effect today. 
So this company is handing out credit cards without checking or verifying the SS number. 
I can't help but wonder how many thousands of other folks this is happening to. They really need to be investigated! 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

I have a secured credit card. I made a payment to bring my credit back up on the card, this the payment I made would have been sent back to me and it wasnt even Discovers money. On XX/XX/XXXX, a day after I made this payment, I got an email stating that they werent able to take the funds so I spoke to support. They told me to wait for a week or so as it would transfer over soon. A few days later, on XX/XX/XXXX they closed my account. I wasnt notified of this by email, text or even in the Discover app. The Discover app was functioning as if the account was still there so I continued trying to fix it until XX/XX/XXXX when I just contacted support again. Thats when I found out that my account had been closed. I asked why they never notified me and they said that I should receive a letter about it within the next few weeks. I asked if I could take my money out of the account since it was my money to begin with and Discover just said that they dont even manage their own secured cards, another company does and they arent able to do that. Working with this company has been so insanely frustrating, at this point my credit score can take the hit from closing down an account I just dont want them to steal my money too.
Consumer complaint received 2023-11-03
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. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

I requested for help from XXXX XXXX to please fix my credit account of mid reporting on XX/XX/XXXX through their online system and it was ignored. I then contacted them by phone on XX/XX/XXXX and the representative said they dont report updates often to the bureaus and thats why my car payments are missing and thats why the credit card I had with them that I paid off in full has disappeared. This information has been edited from my credit accounts for well over 3 months and they have not fixed this, though I have requested. I advised her that they must report the truth if it is showing on my profile and she hung up. Additionally, XXXX XXXX XXXX XXXX took money from my account that I did not authorize, even after placing a note on my account stating that they are NOT attempting to collect any debt from me. They have continuously reported my account as never paid, and have deleted the good history of payments from the car loan and the credit card. While over the phone, the representative hung up the phone on my face and it caused dm to call back twice. I have still not received the information I requested which was a list of all successful payments I made to XXXX XXXX XXXX XXXX. And all payments they took without my knowledge and permission. XXXX XXXX refuses to fix this issue and continues to reprint false information on my credit profile. Intentionally causing harm, distress, and further denials of housing. I have been discriminated against and they are refusing to follow the laws and guidelines of the cfpb, gov, and fcra.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In late XXXX of XXXX the XXXX to be exact- an unauthorized wire transfer was made from my chase bank checking account for {$9100.00} dollars. 

I was alerted to this when I received a low balance notice from my bank. I was later contacted by someone who claimed to be working with Chase bank to check the authenticity of the wire transfer. I made it clear to them at the time that I didnt authorize the transfer. I was having trouble accessing my account as it had been locked due to suspicious activity which the person had assured me this way would help me fix. After that they asked me to verify my account details, such as card number, account password,- which they helped me reset- PIN and amount of money that had been in the account at the time of transfer. I provided the information. 

I was then told I would receive paperwork to continue with the claim as well as a new debit card. Neither of those things ever came and when I contacted XXXX again to check the status of the claim, they told me that they couldnt approve the fraud claim because a XXXX time password/ XXXX ID was used at the time of the transfer. 

I believe that the person I spoke to on the phone about the wire transfer to begin with was a scammer and used the onetime password and my facial recognition while we were on the phone to take that money from me. 

When I brought this up to XXXX separate Chase customer service people they said that because the XXXX and Face ID were used at the time of the transfer despite me telling them repeatedly that I did not authorize it, there was nothing that could be done. And I was advised by someone to reach out here. 

Thank you XXXX
Consumer complaint received 2023-07-18
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On XXXX someone gained access to my phone and sent {$1000.00} to another person I have never known without my knowledge or authorization using my Paypal account. Paypal put my account in negative balance and is pursuing me instead of the thiefs
Consumer complaint received 2023-07-18
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (UT)

I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and Experian! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.