davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I received an email from Chase.com yesterday XX/XX/2020 at XXXX alleging that I recently deleted my phone number from my Chase mobile account. Since I did not do that, fearing fraud, I immediately attempted to login to my account at chase.com. Upon entering my password, a message appeared that my account had been locked and to call the provided number XXXX. I called and after some time with a customer service rep was told that my accounts were closed with no notice, recourse, access or explanation. I now, during a pandemic, lockdown, riots and everything else, do no have my funds to live, eat, fuel my car, etc.
Consumer complaint received 2023-08-13
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. (PA)

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX CRD # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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 2023-09-01
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (TN)

This only the ended of statement I do have all related documents Description FDIC Sweep Interest Payment FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep Date Debit XX/XX/2021 {$18000.00} XX/XX/2021 XX/XX/2021 {$2000.00} XX/XX/2021 {$12000.00} XX/XX/2021 {$2100.00} XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$0.00} XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$0.00} XX/XX/2021 XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 {$2000.00} XX/XX/2021 {$1.00} XX/XX/2021 {$25000.00} Credit {$1.00} Balance {$44000.00} {$44000.00} {$41000.00} {$29000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$25000.00} {$25000.00} {$0.00} {$0.00} {$1.00} {$1.00} {$0.00} {$0.00} {$1.00} Deposit Sweep Activity These transactions reflect movements of uninvested cash to and from program banks. 
Description Interest Payment Closing Sweep Balance Total Swept Funds Date XX/XX/2021 XX/XX/2021 Debit {$410000.00} Credit {$1.00} {$410000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

Equifax XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX  ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.
Consumer complaint received 2023-09-01
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)

Transunion XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} CHARGE_OFF XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.
Consumer complaint received 2023-08-13
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: LEXISNEXIS (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. 

XXXX XXXX XXXX - XXXX State Of Michigan XXXX XXXX XXXX 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. 

These inaccuraties are proventing me from obtaining the purchase of a Home and Credit Cards.
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one repossessed my car illegally in XXXX of XXXX. They said I was behind on payments when they received payments back in XX/XX/2023 for over {$5000.00} and they also closed my account down back in XXXX XXXX and written it off. 

They failed to provide me with a 1099c or 1099a for the write off. Reporting different information with different CPAS and never had the consent to share my non personal information with the credit bureaus and ignored my last disputes with them. 

My credit report is not reflecting these payments they received the credit report agencies are not properly investigating. 

They failed to provide me with recent statements. Only statement I have is the one from XX/XX/2023. No XXXX or XXXX statement available showing the amounts they received. They been reversing my payment over and over since they received payments. 


See attachment
Consumer complaint received 2024-08-28
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

On XXXX XX/XX/2023, I contacted XXXX mortgage to inform them my DC property taxes would be due by XX/XX/XXXX. I was assured the taxes would be paid before due from my escrow account. On XX/XX/XXXX, I sent them a copy of the tax bill and a reminder. On XX/XX/XXXX, XXXX replied that they had reviewed it and would pay the bill. They did not pay on time. On XX/XX/XXXX, I contacted them by email and phone and was assured it would be paid and the late fees would be covered by PHH. What proceeded next was weeks of back and forth with the company as they missed the next deadline and incurred a second month of late fees. I had multiple emails and phone calls with XXXX from the company assuring me they would pay the bill and would be responsible for the late fees. I insisted the fees must not come out of my escrow account since it was PHHs failure to pay the tax bill that incurred the fees. The fees were finally paid on XX/XX/XXXX. On XX/XX/XXXX, PHH deducted the exact amount in late fees from my escrow account, thus making me pay the late fees they incurred. Ive contacted them by email and phone multiple times since XX/XX/XXXX about this issue and have received nothing but automated email responses and voicemail. This can not be legal that this company that I did not choose to get a mortgage with ( was sold to them from XXXX XXXX  ) does not pay bills on time and took my money to cover their mistake. They have now also told me they cant pay my homeowners insurance form my escrow account but continue to deduct money each month for the escrow insurance. I now have another tax bill due and am not confident they will pay this on time. The company is unresponsive and dishonest in their dealings, and based on the bit of internet research I have done, this is their common practice. I need to know what I can do to make them redeposit the {$240.00} in late fees they took without authorization from my account. Thank you. 

PHH Mortgage Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CO)

On XX/XX/XXXX I reported 12 fraudulent charges over a 3 day period from my Bank of the West debit card totaling {$710.00}. I reported these fraudulent charges virtually through my Bank of the West account portal, then orally with a Bank of the West representative and then physically through a mailed affidavit requested by Bank of the West. 

On XX/XX/XXXX I received noticed via mail that Bank of the West deemed the charges as authorized. I called the Fraud Prevention Analyst. XXXX, from the notice letter to understand how the investigation deemed them as authorized. I was told that since I still had the card in my possession and it was not reported as stolen that it was deemed authorized. Knowing my rights, I requested the information used in the investigation. 

I left 2 follow up voicemails with the analyst which were never returned. I finally got in touch with the analyst on XX/XX/XXXX and again requested the information used in the investigation. He said that it would take 90 days for me to receive the reporting. 

It's XX/XX/XXXX I have yet to receive any information used from the investigation.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
XXXX is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

Friday XX/XX/XXXX, I discovered my accounts were frozen. I called to verify why my accounts were froze and what I needed to do to unfreeze them. Chime told me to email countless documents to support for suspicious activity. Ive sent them every document asked of me. I was told the company would respond to my emails in 24-48 hours. It has been 3 days no response. Every representative tell me something different. I just want access to my money. I have no had access in three days.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-13
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. (NY)

XXXX XXXX is my name social is XXXX On my XXXX Credit report theor are 10 hard inquiries that are fraud I filed a federal trade commission identity theft report for the 10 hard inquiries please have XXXX removed those hard inquiries and regarding experian I have 4 hard inquiries that are fraudulent I filed a federal trade commission identity theft report its on file also their arr two negative items that are fraud XXXX and the other negative item has a balance of XXXX please have experian removed those 2 remaining negative items that are charged off off my experian report I filed a federal trade commission identity theft report its on file
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/2020, I contacted Chrysler Capital requesting a deferment of my loan payment due to the events surrounding the COVID-19 epidemic. I was told by the representative that I would be able to defer for three months and the paperwork would be sent to me in the mail. On XX/XX/XXXX my monthly invoice noted that I was 2 months late. I immediately called Chrysler Finance and was informed that the the representative never initiated my deferment. I was then told that it would be initiated during this call and I agreed to make the XXXX payment in lieu of my financial situation. They again reassured me that the paperwork would be sent. I called on XXXX to check on the deferment status and was told for a second time that the deferment was not initiated by the second representative and that my account was 59 days delinquent. I then asked to speak to a supervisor. The supervisor said that they would investigate the matter further and get back to me on the following next business day.
Consumer complaint received 2023-08-14
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX