davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting 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)

I want this deleted off my report because I have not gave right to disclose non personal information to non affiliated third parties GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not supplied institution to disclose non public information under doctrine GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 therefore I request deletion of this account off my report
Consumer complaint received 2023-08-09
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)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-08-21
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. (MI)

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. has violated my rights. Or 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 2023-08-21
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. (TN)

I received a credit card -Chase XXXX XXXX in my mail today ( XXXX XX/XX/XXXX   ). I did not sign up for this card. I did not authorize this card. I have no banking relationship with Chase at all. I contacted their fraud department. They said they had to call me back on my mobile for some reason but have refused to do so. I need this account closed immediately and removed from my credit history. Any other cards in my name need to be closed at once. This is all fraudulent activity.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Cash app is not disputing a charge of {$200.00} dollars from freeway insurance that was fraudulent I have the California department of insurance going after freeway insurance for ripping me off the case number is XXXX, basically I was charged XXXX dollars for a policy that was canceled unbeknownst to me I wasnt told the day I called to pay the money it wasnt till the next day when I callled again that I was told it was canceled and that I would I have to pay another XXXX dollars for a new policy and when I asked to talk to the management I was hung up on or forwarded to a survey and could XXXX get anybody to talk to me cash app is denying the dispute XXXX dollars is a lot of mo XXXX for me right now and now I cant afford to get my truck registered so I can drive to work this is t right what freeway insurance did and cash app is allowing g it happen, and I have no documents just screen shots from cash app
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, Experian, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer
reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

FREEDOM MORTGAGE IS THE NEW SERVICE PROVIDER AFTER ACQUIRING MY 25+ YEAR XXXX XXXX HOME MORTGAGE. 
THERE'S SEVERAL PROBLEMS. XXXX XXXX ( OWNER OF FREEDOM MORTGAGE ) TRIED TO COMMIT FRAUD ON MY PROPERTY BY IMPOSING A 2ND MORTGAGE OVER 10+ YEARS AGO. AND GOT CAUGHT. THE FEDERAL JUDGE ORDERED " NO CONTACT ''. 
WELL, I DO NOT PLAN ON BEING SENT TO FEDERAL PRISON FOR A MINIMUM OF 20 YEARS FOR WHAT FREEDOM MORTGAGE DID, ACQUIRED MY LOAN. 

I AM FULLY AWARE THAT MORTGAGE TRANSFERS ARE COMMON PLACE, WITHOUT ANY OBLIGATIONS FOR A CLIENT/CUSTOMER TO STOP SOMETHING BEFORE IT STARTED. 

BOTTOM LINE : FREEDOM MORTGAGE IS GIVING ME A DIFFICULT TIME FOR ME TO GET MY ACCOUNT SET UP. I FINALLY GOT MY LOAN NUMBER... HOWEVER, THEY HAVE BLOCKED ME ACCESS FROM ONLINE! I CALLED BACK, AND THEY TOLD ME BASICALLY " OH WELL '' AND LAUGHING ABOUT IT. 

THIS IS NOT FUNNY, THIS IS TOTALLY UNPROFESSIONAL. IT IS CONSIDERED RUDE AND ILLEGAL TO BLOCK ACCESS FROM THE CLIENT! 

THEN TO SUM IT UP, THEY ARE SENDING EMAILS TO A NO LONGER IN USE EMAIL ACCOUNT AND " CLAIMS '' THAT XXXX XXXX GAVE IT TO THEM. XXXX XXXX DID A RESEARCH AND FOUND THE EMAIL THAT I AM USING PRESENTLY IS REGISTERED AND ASSOCIATED WITH THE MORTGAGE. THEY ARE A BIT PUZZLED, UNLESS SOMEONE REVERTED TO WAY BACK, YEARS AGO, AND DECIDED TO USE A DEFUNCT EMAIL ACCOUNT AND BEGUN TO SPAM ME TO DEATH? REALLY?
Consumer complaint received 2023-08-09
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. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-08-21
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: CITIBANK, N.A. (RI)

XX/XX/XXXX  i noticed a fraudulent charge on my citicard credit card of {$63.00}. I immediately filed a dispute and closed the account. 5 months later ( XX/XX/XXXX  ) i received a bill from citicard with late fees included. I called Citicard back at least 10x to re-report. While it was in dispute i did not pay. I had PERFECT CREDIT and did not think that this could happen DURING A DISPUTE.. I attempted to co sign my daughters student loan ( as i did last year ) and that's how i found out that my credit score had dropped XXXX points. I was absolutely devastated and in panic, so i called and paid Citicard {$150.00} ( the original {$63.00} plus 3 months of late fees ) so it would stop lowering my credit score.I have opened a dispute with XXXX attorney General and also with XXXX. XXXX mentioned that i should also file a complaint with CFPB. I want my money back and my credit score repaired! They should not be allowed to do this! I just want someone to LOOK at my credit and SEE that i have NEVER paid anything late in my 27 years of establishing credit. Please help me!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-30
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. (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.

has violated my rights. Or 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 2023-08-21
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. (OH)

this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  # XXXX {$890.00} -XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX {$970.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX # XXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2023-04-30
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)

HI 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 2023-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (MA)

I was a resident of XXXX XXXXXXXX until XXXX XXXX XXXX I have been noticed by Assistant Property Manager that " We were able to deduct charges to have you even out with your Security Deposit. If you have any questions please feel free to reach out to me anytime. '' It leaned the deposit can cover all the remaining balance from my aspect. 

XX/XX/, I saw a collecting account from Sentry Credit showed in my credit report collecting {$2000.00} and the original creditor is XXXX XXXX, where I used to rent. I was confused about where it comes from, since the final balance is XXXX when moving out. Therefore, I sent an email and confirmed with XXXX XXXX on XXXX. They found that they made mistake in the system and charged me twice the rent {$2000.00} incorrectly and sent me back the corrected final account balance, which showed {$0.00} balance. 

However, before this conversation, this incorrect debt has been transfer to the third-party debt collection company, Sentry credit. Therefore, they are charging me something I did not owe. I reached out to them and provide the corrected final balance document. Sentry Credit replied they need to verify the final balance document with XXXX XXXX. During the time, I called Sentry credit few times and they replied that they are still waiting for response from XXXX XXXX. I sent few emails to XXXX  as well, they mentioned they did not received anything from Sentry credit. It has been months. Thats why I try to post in CPFB for help.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to Transunion, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order )
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

I opened a business bank account with Chase in XXXX in early XXXX and deposited XXXX using a check from my personal account. After the check cleared and funds deposited into the account, Chase informed me that they couldnt verify my ownership in the llc and closed my account and froze my funds on fraud. Its has been a month of going back and forth with the back end office and the help of my banker from the branch and they still would not release my funds. Their excuse is they cant verify my ownership in the Secretary of State website of PA. So I had made numerous calls to the department of state of PA and was informed and confirmed that PA down not recognize owners in LLCs and once its submitted during incorporation, they do not change it on their website. 
The state employees gave me instructions to file an amendment for certificate of authority, which shows my name and address as the owner of my LLC and I paid XXXX dollars to expedited on the XXXX of XXXX. After I sent in the supporting documents, Chase came back and said they dont accept it with no further explanation. I have them the benefit of the doubt and went on to try and open business accounts at both XXXX XXXX  and XXXX, which they approved in less than 3 days. At this point, my banker and I have filed many complaints towards the back end office and trying to get an explanation of why they still wont open my account and release my funds with no response. I called back to the department of state to check again if there is anything more I can do to show that I indeed own my company, which they say the only thing left is to file a statement of correction and remove XXXX the XXXX XXXX XXXX and have my name appear. In which I paid anothe XXXX for expedited fees and had sent it over a few days ago. And now, still no response from so called team who should have the basic knowledge or competence to pick up a phone and verify with the department of state of the information they received. But as of right now, there has been no response or explanation of any kind. This is unacceptable and just a disappointment for such an institution to be treating Americans who just want to make a living.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America credit card and I pay the balance in full each month. I also have the credit card linked to a Bank of America checking to direct pay it each month on time. The Bank of America checking never auto payed the Bank of America credit card. This is something I dont need to initiate, its generated a payment on its own. I called them to ask to reverse the {$25.00} late fee and it was declined. When I asked what caused auto payment to be delayed, they could not explain why?
Consumer complaint received 2023-08-21
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. (OH)

I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me