davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

In XXXX I received a settlement from an accident for my son, and was issued a settlement check from my lawyers office. 

I opened a trust account for my XXXX  son a Chase Bank, I am the guardian on the trust account. For an amount of {$98000.00} I deposited the check to Chase Bank. 

I noticed after a week the check had not cleared and they said they placed a hold on it, I called they said it was fraud prevention and might take 5-7 for funds to appear in the account and for hold to be removed. 

a week or so later I received a letter saying they would close the account, so I called, and they told me they were unable to verify the maker of the check or they could not remove the hold I contacted my lawyer and they said the funds were cleared from their bank account, and even sent me. copy of their canceled check. 


I called chase again to ask how to verify this business, as it is a lawyers office, in biz for 20 or 30 years, have a XXXX a website etc. and they said they couldn't verify their phone #. Their number is on the check, their website, XXXX  etc. and the lawyers office 's bank cleared the check and chase is holding the funds I have called them numerous times asking for a resolution and they keep telling me to have my lawyer add their number to public record. 

I am at a loss and so frustrated I don't know what to do. 

I have court records of the settlement and the letter with the issued check as well as a copy of the canceled check from the lawyer and Chase will not release my funds One agent told me they would eventually send it to the state for unclaimed funds
Consumer complaint received 2024-07-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

Purchased a Netspend prepaid card XX/XX/year> and loaded it with {$100.00}. I Tried to activate the card and it wouldn't work. Spoke with customer service several times and they kept telling me to activate it online. When trying to activate it online the website told me to that something was wrong and to call customer service. I went back and forth with customer service for months. Filed a claim with XXXX XXXX XXXX and Netspend customer service sent me and email stating that they are sending me a refund check. A few months went by and I didn't receive a check. I emailed back and was told the refund is on its way. It has been almost 2 years now and I am still going back and forth with Netspend. They told me they could only issue a refund if I sent a picture of the card, a picture of a valid photo ID and a XXXX of a utility bill for proof of address. I did not want to do that but I did because I want my money back. After sending all of that they told me that they would not be able to send me a refund without a copy of the receipt proving that I purchased the card. I will add names and dates of emails below. 

XXXX XXXX XXXX Netspend- refund check will arrive in 10 business days. 
XXXX XXXX- refund check was sent on XXXX referring case to accounting to issue new check. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX -Needs Image of the card or receipt Image of your ID or Driver 's License Proof of Address document- where you would like the check sent. Must be dated in the last 30 days time frame. 
XXXX XXXX XXXX XXXX XXXX will not issue refund check without a receipt- Speak with the retailer to get copy of receipt. 

Please help me get my hard earned money back, XXXX XXXX
Consumer complaint received 2024-10-11
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)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. 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 XXXX XXXX, 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 2024-10-11
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. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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. (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-11
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-11
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)

Please Remove all accounts as per the guidance from the CFPB the documents needed as a letter from the advovacy froup helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( B ) ( $ ) -5-1002.142 ( B ) ( ), i kindly request that you block and remove all information from my credit report within 4 business days! Pursuant to section 605C of the fair credit reporting act. I am a vitim if XXXX XXXX XXXX XXXX XXXX and would like the following accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (SC)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Consumer complaint received 2020-06-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Renewed my homeowner 's insurance 20 days prior to the expiration date. Sent a fax copy of the policy to the company on XX/XX/2020. I received a letter from XXXX XXXX  saying the end of XX/XX/2020 saying my insurance was expired and they were going to purchase insurance for the property XXXX XXXX XXXX XXXX XXXX. I called the insurance department and talk with a staff member who was very rude. I requested to talk with a manager who stated that they had not received my renewal. I confirmed the fax number XXXX the same as I had. I told the manager I was current on my insurance and will re-fax with the address, loan number and my name. I re-faxed and had gotten confirmation a second time. On XXXX XXXX I Received an insurance policy in the male from XXXX XXXX with a letter stating that they had purchase homeowners insurance for my property. I went to the XXXX office and had XXXX re-faxed with a confirmation. I addition, XXXX XXXX stated the had opened up an illegal escrow account in my name and has increased my mortgage payment. I had fought XXXX XXXX  with your help last year to discontinue my escrow account considering they had not paid my taxes and insurance 2 consecutive years with last year finding out I had no insurance on my property XX/XX/2020 as they over padded my escrow account and did not pay my homeowners insurance after receiving payment billing from XXXX. I request to close my escrow account and was told I had to pay 1 of the mortgage. I then seek your help in closing the account. They did return my balance IN my escrow account with some threatening words. This company constantly intimidate its clients. I know they got my faxed 2 and denied it. I sent a third time and is requesting you take a look at this company. I have several friends who have this mortgage company and is having similar problems. I have gotten a lot of harassment from this company since they have taken over my mortgage 4 years ago. This is the company that I requested to close out my escrow account initially when they bought out my mortgage and on several occasions thereafter with the answer been each time I had to pay them 1 % of my mortgage to have that done because they own my escrow account and not me. My request at that time was made verbally via phone and in writing. I had to seek government assistance last year to have my escrow account close out without paying 1 % of my mortgage a fee to have its closeout. Now they have decided to reopen my escrow account illegally and have purchased homeowners ' insurance and charge it to me. I would like this account to be a close and illegal increase in my mortgage payment stop. I will be paying the amount I pay monthly for my mortgage and not a dollar more over that for an illegal escrow account. I am not going to absorb the cost of that second insurance.
Consumer complaint received 2024-10-11
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)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of the investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.I am requesting that XXXX XXXX be removed immediately
Consumer complaint received 2024-10-11
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. (AZ)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2024-10-11
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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. (CA)

There are inquiries in my report that I did not authorize or initiate. I have previously requested the companies involved to remove these inquiries, but they still appear in my report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Information contained on ALL three credit reports ( XXXX, XXXX, and TransUnion ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX XXXX. My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.
Consumer complaint received 2024-10-11
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-10-11
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 received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the reappearance of an item previously removed from my credit report and the duplicate reporting of this same account. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires notification of any reinserted itemsnotice that I did not receive. 

The account details are : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reinserted : XX/XX/year>