davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (DE)

Me and my wife were XXXX from XX/XX/2023 until XX/XX/2023. During this time our LOCKED filing cabinet was broken into and ALL of our personal banking information was taken and used to deplete our checking account of roughly {$36000.00} that was part of a Workman 's Compensation settlement. I'm sure M & T Bank will be able to look on their database and see everything that has been brought up about this case, including ALL the information and documents we have been sending to verify all of this fraudulent activity. We have been claiming this fraud case since XX/XX/XXXX XXXX XXXX, which is the day after we were released. Ive gone in person to file the claim and explain everything that happened and why its fraud. Ive filed with the XXXX  XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX for the culprits that broke into our locked filing cabinet and stole our banking information. We even had a family friend call and notify M & T Bank of the fraud that was occurring and M & T Bank did the BARE MINIMUM to prevent it from continuing. We gave the XXXX XXXX Police XXXX Report to an M & T Bank branch in our area and even uploaded a copy to the CFPB complaints. EVERYTHING HAS BEEN DENIED BY M & T BANK. M & T Bank has acknowledged around {$1000.00} as fraud, but my family is still robbed of {$35000.00} FROM FRAUDULENT ACTIVITY. If nothing else is done on M & Ts then we will take M & T Bank to court. We willl acquire a lawyer and M & T Bank will also be responsible for our lawyer fees. We will subsequently file additional reimbursements for time and all additional expenses, including time required to take off work. This case is obviously fraud and we dont understand why M & T Bank would cause such a headache for a family that has been banking with M & T for over a decade. I look forward to a response. Thank you for your time.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

Value of the property is XXXX and the loan value is XXXX, I am beyond 30 % of current value of the property. I sent them XXXX $ to perform the appraisal and instead they took my check to they stated that they refunded me ; all this without notifying me. They only notified me about the LTV ratio being to high, there is no way of knowing the LTV without the appraisal taking place. I had my own appraisal performed and the property appraised for XXXX. They do not want to remove the PMI and this has been going on for over 6 months.
Consumer complaint received 2024-06-17
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. (FL)

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft. 
.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian credit bureau has violated my due process to dispute accuracy of my credit report, they continuously refuse to allow me to dispute and challenge the accuracy of the reported removal date listed on my credit report with XXXXXXXX XXXX credit card as it has past the XXXX statue of limitation! I have challenged this accuracy with both XXXX and XXXX and the creditor agreed to remove this acct from XXXX and XXXX based on the 7 yr statue of limitations law .. as Experian continues to favor the creditor reporting as accurate and continuously refused to allow me to challenge a dispute violating my rights with fair credit act.. I am requesting they remove and stop illegally holding my credit opportunities hostage! ALL XXXX  CREDIT BUREAUS SHOULD BE REPORTING ACCURATE AND CONSISTENT
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (UT)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

Our checking account with pnc bank was hacked and money was taken out in amount of $ XXXX to $ XXXX and they had our social security numbers and address and phone numbers police report was filed on this to where we live pnc had copys of this information to know I didnt make this up and they just closed our account with them made us feel like we did something wrong wouldnt even listen to our end sent us to collections so now they are included on our XXXX XXXX  bkt we are in process of filing they have said negative things on our banking history trying to prevent me from opening another somewhere else I need that information deleted from my banking history report and marked correctly
Consumer complaint received 2024-06-17
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. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

I am writing to express my objections with the recent experience I had while applying for an Amazon XXXX Chase Visa card. My application reference number is [ XXXX ] dated XXXX XXXX XXXX 

Upon submitting my application, I uploaded my state ID as requested. Subsequently, I received communication from the company 's fraud department, prompting me to verify my identity. Following the provided instructions, I called the designated number, but unfortunately, the operator was unable to fulfill my request. I was then instructed to visit the nearest Chase Bank branch with my ID for further assistance. 

I visited the XXXX XXXX Missouri branch, where I met with XXXX XXXX XXXX. I presented my valid ID and credit cards, and XXXX XXXX diligently worked for several days to facilitate communication with the Chase Fraud Department, aiming to verify my identity. To my surprise, after a prolonged period, I received correspondence notifying me that my application was denied on the grounds of fraudulent information. 

My primary concern lies in the fact that I had presented valid identification during my visit to the Chase Bank branch. The denial of my application occurred only after XXXX XXXX submitted copies of my Missouri State ID, which also confirmed my status as an African-American male. This sequence of events raises serious questions about the timing and basis of the denial. 

I am deeply troubled by the possibility that I may have been discriminated against based on my race, in violation of the Equal Credit Opportunity Act and the Fair Credit Reporting Act. It is disheartening to believe that the actions of an inept fraud determination process, coupled with my racial background, may have influenced the unfavorable outcome of my application. 

I kindly request a CFPB thorough investigation into this matter and a reconsideration of my application. Additionally, I urge Chase to review and enhance its procedures to ensure that all applicants are treated fairly and without bias. I trust that Chase Bank, as a reputable institution, takes such matters seriously and will address this issue promptly. 

Thank you for your attention to this matter. I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union is repeatedly refusing to correct the information on the attachment, all showing incorrect dates. Because of their errors my scores remain low and barely go up. But when the dates are corrected and made accurate again including, last reported and last active to the right dates, not disputed dates then the FICO goes back to what it was months ago and shows minimal but some improvement. They need to correct the dates so my FICO goes back up not down with their errors. I will no longer keep filing complaints but go straight to court if they fail to be corrected on my actual credit report that creditors see, not their in house report that no one including me cares about. Those are nothing more than lies and proof that I can show the court and compare to the reports I run on the XXXX of every month, which are my true scores and actual credit that creditors see. They have a choice, they can fix it or meet me in court.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2023-10-27
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. (LA)

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

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 inructions 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Thank you for removing some of the erroneous items from my file caused by incorrect credit report information. However, there are still items that need to be addressed. This is my new complaint as I have been affected by inaccurate credit report data. I am disputing a particular account in my file due to this issue. The account I am disputing is not related to any transactions involving the possession of goods, services, or money that I have made or authorized. Specifically, please remove the following item from my credit file due to incorrect information : XXXX XXXX XXXX Date opened : XX/XX/2021 XXXX Balance : {$0.00}. This account is unknown to me. Additionally, the information for this account has been deleted from other bureaus, which raises doubts about its accuracy. The reported payment history on the account is also unfamiliar to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), please decline or rescind this information.
Consumer complaint received 2023-12-19
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1618 section 6 o 2 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 with my written instructions. Under 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 any purpose.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
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. (FL)

This is my second-time requesting 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 items : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I sell Mattress of {$150.00} on XXXX market, a potential buyer ( scammer ) asked to pay by XXXX, and then I received an email from XXXX saying that since my account is not business account, I should upgrade it and let the buyer pay another {$400.00} to upgrade my account and then I should refund the buyer and email back XXXX the proof that I have already credited back the buyer, then I could get my {$550.00}. 

So I sent the buyer {$400.00} without getting any money back from him. Then I realized that this was scam. I called XXXX and they said XXXX was not their official email. I called my bank and they said XXXX transfer should be immediate and they could help with nothing. 

Thus Happened at XXXX on XX/XX/2023.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.