davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute this account that appears on my credit report. FAMILY SUPPORT DIV XXXX XXXX # XXXX I believe that this information is inaccurate and should be removed from my credit report. 
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Therefore, I respectfully request that you review your actions and policies to ensure that they are in compliance with the aforementioned court ruling and all applicable laws and constitutional principles. If any of your actions or policies are found to be in violation of the ruling, I request that you take the necessary steps to bring them into compliance.

Thank you for your attention to this matter.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I am unaware of this Debt, I didn't have a opportunity to dispute this information, if in fact you believe they gave me proper notification please provide me with the certified receipt with my signature, Also, XXXX and XXXX has removed this same account and I provided proof, I would like to know the method of validation for a account I was never given noticed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with XXXX, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents.

Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

I have free credit monitoring through XXXX XXXX due to data breaches and my personal information being breached. I received an alert of a new hard inquiry from JPMCB Card and I had not applied for anything and this was unfamiliar. I called the contact number to see what the inquiry was. After multiple calls, department transfers they were able to get me to their fraud department, verified my information and canceled the credit application upon my request and verifying something I guess on their end did not match up. I put a lock on my credit through myXXXX  and found out thise was Chase Bank and they said the application was dor some type of XXXX credit card that I ABSOLUTELY did not apply for and had no idea what it was. As a followup they told me the hard inquiry would be removed from credit reports and it has not been since incident XX/XX/year>. They also sent me a letter advising this and to file with FTC. This is negatively impacting my credit. Thank you
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

My money XXXXXXXX XXXX transferred on XXXX XX/XX/XXXX to my XXXX XXXX  account is still not deposited..they are saying it is compelted. but it is not deposited..I gave the bank statements as proof. 

I used Remitly to transfer the money..

Remitly marked my transfer as complete. but no money is deposited.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CO)

I got a letter from Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Reference Number XXXX with date XX/XX/XXXX trying to collect a debt is NOT mine, the amount {$1900.00}, date XX/XX/XXXX. They just search for the name and address without signed documents where my signature and all the information appear. XXXX XXXX name appear thousand times around USA. Please stop contacting me by phone or mail to collect this debt.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year> chase bank closed my account and at the time of closure I had a balance of XXXX XXXX dollars in my account, chase has been holding my money since and Ive called countless time just to hear them tell me that funds that rightfully belong to me is under review with no date as to when this review will end this is thievery at its finest and I want them to give me my money back
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-25
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. (CA)

There are fraudulent items on my credit report from which I have never benefited continues to appear on my report. Although it has already been removed by both XXXX and XXXX, you persist in reporting this false and fraudulent information on my credit report. This misrepresentation is not only insulting but also damaging to my character, causing me significant stress and concern that my rights as a consumer are being violated. I have reported this issue to the Federal Trade Commission, yet the items still exists.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (LA)

Hello my chime checking account was suspended because of fraud activity I linked my other bank account to my chime account and request to transfer money in my chime account my XXXX XXXX  refused to transfer the money and as a result chime suspended my account and I called them asking how I can get it back because I have {$500.00} in my chime account that I cant get access too but they wont let me into my account or unlock it and all of this happened on XX/XX/year> I am able to provide any information I just need my money out of the account
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX account close in the year XXXX for XXXX and I notice the account reopened for XXXX on XX/XX/XXXX stating I owe money. I contact the bank and they stated, it was a mistake the account was closed in XXXX. The lady stated she did not see anything on her end about the account being open at XXXX. She only sees the account being closed in the year XXXX for XXXX. I contact XXXX, Transunion, and XXXX to put in a dispute in XXXX with no changes and my credit usage is 181 % which is incorrect. The other credit score credit usage is 47 %. All my XXXX XXXX cards are closed and using XXXX XXXX to consolidate credit cards to a monthly payment. This is hindering me from applying for a loan on a house. Then XXXX stated, don't worry about the credit usage being higher, however, it will not stop you from getting a house. I talk to a realtor she stated, XXXX and XXXX XXXX XXXX are stopping me from purchasing a house. The credit usage is high and incorrect information on credit reports with open accounts that are closed.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (MS)

I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that iQ DATA INTERNATIONAL INC ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (PA)

Unauthorized inquiries have appeared on my credit report out of nowhere, leaving me both shocked and frustrated. Refreshing my browser didnt help, and I need an urgent review of the documents I sent to prevent this from happening again.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings (AR)

From XXXX of XXXX to XX/XX/XXXX, I rented one unit of a duplex from XXXX XXXX XXXX. The company only had one maintenance man for many many units, so as we lived in this place of residence, wear and tear ( average, nothing out of the ordinary ) occurred and hardly was ever repaired. I told the manager about every single issue with the residence, as she was requiring me to sign a new lease and pay a higher monthly amount which I did not agree with unless these issues were taken care of. She gave me a notice to vacate, and agreed through an email that she would not sue me if we were out of the residence by XX/XX/XXXX. We were out and left the keys there for her, then notified her we had vacated and cleaned up. About 6-8 months later I see approximately {$2600.00} added to my collections balance on my credit report. She had apparently sued me, failed to notify me of any lawsuit ( which she ASSURED me wasn't going to be filed ), and claims that I owe her for XXXX  in damages.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (OH)

I purchased my home in XX/XX/XXXX for {$100000.00}, with a loan amount of {$98000.00}. Shortly after closing, I encountered financial hardship and proactively sought a mortgage modification from my servicing company, XXXX XXXX XXXX ( XXXX ). Despite my timely approach, I was erroneously informed that I did not qualify due to my mortgage being current. Advised to skip payments to initiate the modification process, I endured significant hardships. 

The process of modification proved tortuously protracted, with XXXX taking over a year to commence active review, during which time my loan was erroneously referred to foreclosure, incurring unjustifiable fees. It took XXXX/Wells Fargo almost three years to finalize the modification, during which I incurred exorbitant fees and accrued capitalized interest totaling {$24000.00}, significantly inflating my principal loan balance from {$98000.00} to {$130000.00}. 

Consequently, my loan balance has exceeded my home 's value since modification, thwarting my ability to refinance or sell my home, perpetuating my financial distress. Despite attempts to capitalize on the housing boom during XXXX, I have been thwarted by the disparity between my outstanding balance and my home 's market value. 

These egregious errors and delays not only exhibit negligence but also border on criminality, necessitating urgent redress. My predicament underscores the urgent need for accountability and corrective measures to rectify the gross mishandling of my mortgage modification. My application for mortgage modification languished far beyond the duration of my initial financial hardship, which lasted a mere three months. Despite my proactive approach to seeking assistance before my mortgage became delinquent or faced foreclosure, the modification process inflicted undue strain, ultimately compelling my husband and me to file for bankruptcy to stave off foreclosure. 

It's crucial to underscore that all foreclosure fees incurred were a direct consequence of XXXX XXXX XXXXXXXX XXXX ( XXXX ) failure to promptly process my application, and the excessive capitalized interest accrued was likewise a result of XXXXXXXX XXXX delays. These errors not only precipitated financial turmoil but also had cascading effects on my credit score, necessitating bankruptcy filing and leading to increased rates on credit cards and auto loans. 

The Emergency Economic Stabilization Act of XXXX, which birthed the Troubled Asset Relief Program ( TARP ) and subsequently the Home Affordable Modification Program ( HAMP ), aimed to provide financial support to banks and incentivize successful homeowner assistance programs during the economic downturn. XXXX XXXX egregious mishandling of my case stands in stark contrast to the intent of such programs, underscoring the urgent need for accountability and redress.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFPB XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX knowingly lied to their lawyers. 

XXXXXXXX XXXX XXXXXXXX XXXX lawyer is the only one that set himself up. 

A copy of a case against Bank of America was sent to me. It was missing some very important information. 

The information is the contact between myself & the United States. 

That United States can enforce that to take everything in the event of security misuse or theft.