davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i charge my credit card online with the transportation transfer from the airport in XXXX, XXXX to my hotel in XXXX in order to be pick up on Tuesday XXXXmy flight was delayed in XXXX, Nj due to the weather. and we arrived late at XXXX, NC XXXX and missed the connection flight to XXXX. we were able to take a flight to XXXX XXXX XXXX with XXXX XXXX arriving close to midnight, from the airport i tried unsuccessful to cancel or change the transfer but the system they have online did not allow me i also tried to call XXXX phone numbers listed but nobody answered i did tried to chat with them and nobody replied, I called from the airport where we have to slept overnight CAPITALONE credit card and explained my situation i issued a dispute and i was told no problem they gave the credit temporally but after a few days of investigation they reverse the charge .we were able to reach XXXX XXXX XXXX hours on XXXX .we didn't received the service that we are charge i haven't received the proper legal policy of cancelation from the merchant and the credit card company is not protecting the client by way XXXX XXXX and XXXX XXXX  reimbursed us the entire fare after my written complaint i believe that the merchant in XXXX and CAPITAL ONE should do the same is only {$71.00} that was charge. MERCHANT NAME : XXXX and confirmation # XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my XXXX 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
Consumer complaint received 2023-09-25
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 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 XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2023-08-15
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (AZ)

Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 2023-09-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

My loan was sold to Newrez. They have lost paperwork including proof of insurance from my original mortgage company. Lost paperwork that they later " found '', and have on more that one occasion given me conflicting, or incorrect information that I honestly believe are 100 % lies. They have stated on more that one occasion they have sent me corespondance that I either never recieve or is recieved well after their contractual obligations to respond in a timely manner. They also do not send these letters in a manner that recieves a postmark making it hard to prove their lying difficult. 

I have been trying for over 1 year to get PMI removed. They have 3+written requests requesting removal. They have lost one then later found it. They have told me my appraisal completed by a certified appraiser, from my previous lender are not sufficient. Have told me on numerous occasions they have sent me paperwork despite only receiving one copy after I called in and rerequested information This company is dishonest at its core. Their system by design or by an unnatural collective level of incompetence, drags out processes that cost the consumer more and benefit the lender. I have quslified for PMI removal for conservatively a year. Money I'm spending on PMI could be going towards principal. They however have dodged my requests lost paperwork or not responded at all to my requests. 

I will tell everyone I know to never do business with this company.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I called Discover Credit Card to Cancel and Close My Late Husband Discover Credit Card # XXXX XXXX XXXX XXXX and instead of Discover sending a letter to Estate of XXXX XXXX Discover Credit Card Delete my Late Husband Name on Discover Credit Card Statement and Just put my name on it. I was told by Discover Credit Card representative that is now my responsibility to pay the Credit Card bill. I was Never a Co signer on the Credit card and Only Authorize User and I have intention of Paying the Balance. Discover Credit card Company Did Illegal approach my just Deleting my Late Husband Name.The Legal way to Approach is By Sending a Letter and Address to Estate of XXXX XXXX not by just continuing the interest rate and put on Name and Also Discover report it on my Credit Report. on a Legal way Discover shouldn't Continuosly Charge the Discover Account since i reported the Death of my Late Husband.Letter to Estate of XXXX XXXX should us me how would i like to settle the Balance.
Consumer complaint received 2023-09-24
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-24
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. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I paid my last month 's statement ( XX/XX/2023 ) in full. Through the website there is an option to pay in full. Since I paid the statement in full the Automatic payment I had scheduled was offered to cancel and initiated by Capital One. However this left me with a shortfall, which triggered additional interest accrued on the next statement. 

I tried several times to resolve over the phone and the company refused to credit me. There website is deceptive and unfair and predatory.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (KY)

-In accordance with the fair reporting act " XXXXXXXX XXXX has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-09-24
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: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase Bank , N.A . requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : JPMCB CARD SERVIES Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.
Consumer complaint received 2023-09-24
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: JPMORGAN CHASE & CO. (DC)

Someone applied for an XXXX XXXX they had to go through JPMorgan Chase Bank. I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & XXXX to remove and fix my online account for XXXX. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through XXXX.
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (UT)

I gave a teller at Chase Bank a paper check to deposit in my checking account on XX/XX/2018. She scanned the check and gave me a receipt of deposit. The following day XX/XX/2018 the check was available in my account. On XX/XX/2018 the deposit in the amount of the check had been removed from my account and a return check fee charged. After multiple calls to customer service it was decided the check had not been properly scanned into the system and the account number on the check was missing some digits. I was guaranteed multiple times during each call with customer service that the original check would be mailed to me in three to five business days. I was told, by Chase customer service, that this would be the only way I could prove the discrepancy. I received in the mail on XX/XX/2018 a copy of the scanned check, not the original or photo copy of the original check. I called customer service explaining the situation and demanding the original check and was told it was not their policy to return original checks and that the scanned copy was of legal tender and that I could not have the original or photocopy of the original check returned to me. The company that issued me the check did not have a copy of the original check but did tell me part of the account number was not showing on the scanned copy of the check from Chase bank. Chase bank charged my account multiple overdraft fees. Due to this error I owe other businesses large sums of money. I opened this checking account with Chase Bank on XX/XX/2018 and was promised by Chase Bank a signing bonus for opening the new account. I was told the signing bonus would be in my account by XX/XX/2018. I never received that signing bonus.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Urgent Alert : Immediate Action Required! Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. Moreover, 15 USC 6801 underscores that XXXX has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation. 15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor Experian has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor Experian has provided such information, thereby failing to comply with this regulation. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and Experian are in clear violation of this requirement. 15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and Experian are failing to uphold these standards. Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately. This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-05
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. (FL)

I used a credit repair c ompany (   XXXX   XXXX   XXXX   ) w ho promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that  XXXX   XXXX   XXXX  filed on my behalf. I have called and sent letters on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  to all  XXXX  bureaus. They have not removed the disputes as I have requested.
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (TN)

Got a call for a student loan forgiveness program. I had to pay {$800.00} to get it forgiven and just pay XXXX a month and they'd get my loan down to about XXXX  XXXX. Once I paid the {$800.00} never heard from anyone nor can I get a hold of anyone. HUGE SCAM