davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (TX)

Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXXonsumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section XXXX. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?
Consumer complaint received 2024-05-16
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. (OH)

XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 5th 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 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 2024-05-16
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. (MO)

After Been Released From XXXX  For XXXX  Time In XXXX  Months ; My Sister Ran My Credit Report And Found Fraudulent Activity From An Address Of An House I Sold XXXX  Years Ago.. On XX/XX/XXXX I Signed And Filed A Complaint With The XXXX  XXXX XXXX  XXXX XXXX XXXX ) That Those Are Fraudulent And Not Mine.. 

I Never Had A Credit Card Of Those Types & Names Before Nor Have I Applied For A Credit Card In XXXX  Years... I Sent A Copy Of My Drivers License, XXXX Credit Card Receipts And Gas Bill That Proves I Don't Even Stay In The State That's Is My Address. 

Please Also Remove Fraud Alerts From My Profile Also, I Never Asked Or Requested Especially When I Request False Information Replace With Accurate Information..
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/year>. Capital one have charged off, closed and reopened this account a total of XXXX times. This account is being reported to the credit bureau with an incorrect address and incorrect status of the account. According to code 15 usc 1681eb the credit reporting agencies have the responsibility of reporting maximum accurate information to my credit report. How are they reporting income to my credit report ; when this account is in charge off status and the IRS has considered this account canceled or forgiven debt.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/year> my Chase Bank account was closed abruptly, due to what they described as their automated fraud detection system. Before my account was closed, I had attempted to deposit a check from my former landlord and the check bounced due to insufficient funds. 

I reached out to the landlord and when the landlord ensured me that the account was funded and to try again - I attempted to deposit the check again. That is when the check was flagged as fraudulent and my account was closed. 

The landlord said the money, totally {$3900.00} was withdrawn from his account. But it also never entered my account. My account was closed, and I was mailed my remaining balance.

Chase has confirmed that the funds are still being held until they can verify the maker of the check - however the only way they say they can do that is to make an outbound call tied to a phone number tied to the business. XXXX XXXX XXXX XXXX does not have a phone number associated with it on whatever system Chase uses, therefore it is impossible to do this. I have asked if the landlord could come into a branch to verify the check but Chase has repeatedly told me the only way to verify the check is through the phone call method.

The landlord will also not write me another check because the funds were taken out of his account.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (LA)

On XXXX XXXX, 2024 I made XXXX purchases from XXXX and was promised that I would receive my merchandise by XXXX XXXX, 2024. I didn't receive my merchandise, so I contacted Cash App customer service to file a dispute. A few days later, I received an email from Cash App denying both disputes, and the reason given was that based on their investigation, the merchant had fulfilled their obligation. I asked that they would furnish me with the information used to deny my dispute, because I can't see how they concluded that the merchant had fulfilled their obligation when I still have not received the merchandise I order. In my opinion, I feel that Cash App didn't really investigate this complaint. To this very day, Cash App have not provided me with the information they used to deny my dispute. XXXX  purchase was in the amount of {$42.00} and the other {$39.00}. Each time I've contacted Cash App, my call was transfer to another agent, who passed me on to agent after agent without being able to address my situation.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MA)

I received 3 savings account bank statements from Marcus by Goldman Sachs bank. I have never heard of them nor did I ever create an account. I asked for information on when they were opened and was told they can not give me that information and I would need to file a police report and a report to Id me. 

I did not open these accounts and do not want to be held responsible if anything happens due to fraud. I want these accounts closed immediately and to prevent further accounts being opened in my name.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

first there were no choices to check for my related issue. i was given phone numbers for XXXX and Experian by XXXX to request freeze and a fraud alert om my credit reports at all XXXX bureaues ; XXXX, XXXX, experian and XXXX XXXX. Experian, XXXX, and XXXX XXXX will not answer calls and their websites are inoperable.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IN)

I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems LLC, they did not provide me with proof of a signed contract with them as requested.

The above statements can be verified in the attached debt validation letter I sent to Jefferson Capital Systems LLC and their subsequent response also attached.
Consumer complaint received 2024-05-16
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. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

There is a bankruptcy listed on my report and ive reached out to the bankruptcy court and was told that information is not provided to credit bureaus. Ive reached out to all 3 credit bureaus asking proof of verification of the record. I would need for this to be investigated
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I closed my High Yield saving account with Marcus, Goldman Sachs on Friday, XX/XX/year> and requested an expedited check. The rep gave me case # XXXX and explained the check processing and tracking number would be available in 1 to 3 business days. We are passed that time frame now and I have been calling every 2 hours to get answers and they are holding my money hostage with NO answers!!!!
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Slovin & Associates Co., LPA (OH)

My wages started getting garnished and I looked into who was garnishing it the said it was slovin and associates from the original creditor XXXX from an account in 2020 I have not had an account with XXXX in 2020 and dont know where it came from. Its not on my credit report or anything.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I was charged XXXX dollars by XXXX XXXX, a gym which I have never had a membership for. When I disputed this charge with Wells Fargo because it is not my charge they denied my claim. However just by calling trufusion myself they stated they have no record of any membership under my name nor do they have record of this transaction at all in their systems. They stated they would refund me however they were unable to make the refund without finding the transaction. I have asked them to speak with my bank to which they agreed however Wells Fargo is refusing my claim stating their investigation showed no fraud. When I asked what investigation took place and what information made them come to this conclusion when just by simply contacting this company they would have agreed I shouldnt have been charged they stated they dont contact the merchant all of the time which really angers me because my bank is not providing what it should which is security. It makes me feel my account is unsafe if they cant solve this level of fraud I really dont trust them if someone takes a larger amount or is able to access any of your personal info. Now when I called them back the are stating I can not reopen the claim or start a new one and that the decision to not refund the money that was stolen from me is final. They are basically telling me I have no recourse because after their lousy investigation which doesnt even simply involve calling the merchant found no fraud. Also based on the timeline they didnt even give a full 2 days to investigate. I dont have XXXX dollars just to throw out the window. They expect that XXXX supposed to just accept my money being stolen from my BANK??! I want my money back immediately my bank account is supposed to be insured against fraud and I am entitled to my money back.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently i lookd at a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you to verify as accurate DEPT OF ED/XXXX  Balance {$1100.00} Balance updated XXXX XXXX, 2024 DEPT OF ED/XXXX  Balance {$810.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX  Balance {$1200.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX  Balance {$2300.00} Balance updated XXXX XXXX, XXXX  I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Consumer complaint received 2024-08-29
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. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-16
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. (NJ)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MD)

My normal payment was for {$260.00} each month. For XX/XX/XXXX, I only owed {$73.00}. I tried to log in multiple times in XXXX and called customer service several times to try to get my automatic payments stopped. And my portal access was not restored. They withdrew {$260.00} instead of the {$73.00} remaining. I am owed {$190.00}. Because the technical problems accessing the portal. They claim they opened a ticket with the IT department weeks ago but I haven't heard anything. 

Now my mortgage has transferred from XXXX to Chase and I'm still unable to log into the Chase portal to access my new loan. I called again today Friday XX/XX/24 and tried to get access but I waited on hold for XXXX minutes before hanging up. It's going to be more of the same with these people. I'm furious. I don't want to deal with them. 


My new mortgage account number is supposedly Chase Loan Number : XXXX
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I received a letter from the mortgage company stating that I had the right to purchase my own insurance to cover a lapse in coverage due to transfer of the loan to this company. I was unable to purchase coverage for the previous year for the months of XX/XX/XXXX to XX/XX/XXXX. Therefore, I allowed the mortgage company to charge me {$270.00} to cover the lapse and I purchased coverage for this year XX/XX/XXXX to XX/XX/XXXX, which I paid in full XXXX XXXX. 
I am still being charged monthly for insurance coverage. Why??? I was told because there was a lapse in coverage. But I received a letter stating You have the right to independently purchase acceptable insurance from the insurance agent or company of your choice and we urge you to do so. 
I dont understand. Please help me. Please.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2024-05-16
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. (LA)

I submitted a complaint against the credit bureaus 60 days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. 60 days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Correct Data : Account PAID As Agreed ( In FULL ) ON Time XXXX XXXX -All Bureaus. 

Current XXXX TransUnion Report : Older Derogatory Events : XXXX  Days ( XX/XX/2017 ) Older Derogatory Events : XXXX  Days ( XX/XX/2017 ) The information, containing derogatory dates, is unique & and misaligned in comparison to the same account data across both XXXX and XXXX. I did not authorize these inputs of inaccuracies. 

This Data Needs to be removed.