davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IN)

My bank, Chase, charges a fee if I wish to put a block on my checking account to prevent ACH debits. I believe this service should be available without a fee.

Consumers have no control over ACH debits ; they are initiated by merchants and institutions, and automatically put into effect by banks. There are no safeguards to prevent unauthorized debits, even substantial ones.

Increasingly vendors are requiring that I enable ACH debits ; if I don't I am charged substantial fees. The problem is, once I enable ACH debits and provide my account information, they can be difficult to stop.

I should have control over which merchants or institutions are allowed by my bank to debit my account, and there should be no charge for this.
Consumer complaint received 2024-06-13
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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
Consumer complaint received 2024-06-13
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. (DE)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies. The following item ( s ) require correction : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any unverifiable information should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. The act stipulates that no fee should be imposed for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the last six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A denial letter dated XXXX/XXXX/XXXX had a score of XXXX. On XXXX/XXXX/XXXX, a denial letter had a score of XXXX. The XXXX/XXXX/XXXX letter was in response to a secured card. According to both letters, XXXX provided the score. Please tell me if there is a different credit card scoring used for the secured card. I do n't see how the score went down by 76 points. I opened a new card, with another bank, in XXXX. I think it should be on the report pulled for the denial letter dated XXXX/XXXX/XXXX. The letter dated XXXX/XXXX/XXXX, also mentioned income being insufficient for requested credit.
Consumer complaint received 2024-06-13
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. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To CFPB, I have tried to work this out with XXXX, XXXX, and Transunion in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. I was also affected by the XXXX XXXX XXXX 

My name is : XXXX XXXX My XXXX and only address : XXXX XXXX XXXX XXXX XXXX IL, XXXX My only phone number is XXXX I demand that they remove the inaccurate, irrelevant, and outdated addresses from my credit report and also remove all misspelled names. 

Unauthorized credit pulls can significantly impact my credit report score. They also raise concerns about privacy and compliance with consumer protection laws. In some cases unauthorized is fraud. 

Can you send a copy to each CRA named above? 
XXXX, XXXX, and Transunion. I have attached a copy of my proof Thank you, XXXX XXXX
Consumer complaint received 2024-05-17
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. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2023-09-20
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. (FL)

The accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : 1.Account XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Equifax and XXXX have been unable to proivde me with verification of the debt per FCRA. 
Ive notified both agencies of the identity theft, Further there is a long term fraud alert and has been on all reporting agencies since the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Ive filed an identity theft report for the items of XXXX XXXX XXXX XXXX These agencies have refused to remove the fraud from my report, At this time I have retained counsel and am sending this and the FTC report via certified mail again, These companies have 14 days to remove these items of fraud from my report or face civil damages. 
I am prepared to file suit in XXXXXXXX XXXX XXXX XXXXXX/XX/year> should all this not be delted from my files. 
I plan on filing suit against the companies reporting the info AND the Bureau publising the infomation as both violate FCRA.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-13
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. (MA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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: SELECT PORTFOLIO SERVICING, INC. (FL)

My daughter, XXXX XXXX XXXX is about to lose her home and, although I have tried over the past XXXX weeks, I can not get a stable and accurate reinstatement amount from the lender 's head office nor from XXXX of their many, " work at home '' associates, who parrot, " This case has been referred to an attorney ''. My daughter is XXXX  and has XXXX special needs adult children living with her. Her husband, XXXX XXXX XXXX died on XX/XX/XXXX. He was the XXXX XXXX XXXX  of the outfit and handled every detail of finance and living. Without him, she is clueless and has been taken advantage of at every turn. I knew nothing of her problems until about a month ago. After his death she told me she had plenty of money in the bank and that he left her a XXXX. Now she has nothing but an XXXX widow 's pension of {$1000.00} per month, and her son an XXXX XXXX payment of {$1000.00} per month. The current Select Portfolio Servicing, XXXX home payment is {$940.00} per month. Her son pays the car payment, which is {$400.00}, XXXX {$240.00}, water {$90.00}, electric {$100.00}. This leaves about {$240.00} for gas, food, etc. She simply can not make the payments on the house and live. Since she only owes about {$73000.00} on the home which is insured for around {$400000.00} ( and in my opinion worth more than that in her community 's location ), it seems logical to reduce her payments. That is, unless someone covets her property. One can not get the same information from any XXXX of the SPS associates. I received a letter dated XX/XX/XXXX which gave a total reinstatement amount of {$7200.00}, and a " reinstatement good to date : XXXX XXXX, XXXX ''. I sent the amount ( less the XXXX which I did not see ) to the correct address, certified XXXX. It was received XXXX XXXX. I received another letter dated XX/XX/XXXX which raised the reinstatement amount to {$7600.00}. A caveat at the bottom of the letter states, " This total may not be sufficient to cure the default. ''
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year>, XXXX XXXX XXXX inquiry has appeared on my TransUnion report. This inquiry should be removed due to not having an open account with this business and is appearing on my personal credit account.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XXXX I initiated a dispute with chime for several unauthorized charges on my account. On XXXX Chime communicated via email that my dispute was denied and concluded no error occured and informed me I could request a copy of the documents they used in making the decision. I requested the documents and they only sent me the intake form from the conversation from when I called chime to dispute the unauthorized charges. I called them again and told them that the intake form that they are using to determine no error occurred is only the conversation I had with the representative and that they should approve my dispute because the charges were unauthorized. They informed me I could appeal and also include a statement from my manager at my job that states I was at work at the times the disputed transactions were made to further prove the transactions were unauthorized so I did. On XXXX they wrote me and stated the same thing that no error occurred with no supporting documents of their decision except the phone call I made about the dispute.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Trans-Fast Remittance LLC (TX)

I received my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Consumer complaint received 2023-05-19
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. (IL)

I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, Transunion, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I am having issues regarding interest fees and late charges that has been applied to my credit card store account from ROOMS TO GO/SYNCHRONY ; As I was checking over my payment history, I noticed that I was being charged interest fees despite the fact that I was under the impression that a promotional offer stating " no interest '' until XX/XX/XXXX. Also the first payment of XX/XX/XXXX until present ; I have been charged a late fee of XXXX dollars to currently they are charging late fees of XXXX dollars. I believe this situation may be in violation of the terms advertised at the time of my account opening. As a consumer, it is crucial for me to have clarity regarding the agreements made by my credit card issuer. I would appreciate your assistance in investigating this matter ;
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXXXXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (PA)

I also sent this letter to discover bank They are trying to take me to court I received an order from them last week, when Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am in fact the creditor of this consumer transaction and I understand that I need to be compensated for these damages & my rights being violated here listed below. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, & XXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. How I would l like to remedy this charge off is by removing it off of my credit report or updating it as paid as agreed and to be compensated {$1000.00} per violation under 15 USC 1692 for violating my 16 CFR 313 rights, privacy of a consumers financial information, for three years and eight months, this account was opened XX/XX/XXXX. They have reporting To these third-party agencies every month ( XXXX, XXXX XXXX XXXX and XXXX ) and counting on this day XX/XX/XXXX. XXXX the account has been reported for the last 3 years & 8 months on XX/XX/XXXX that equals 44 violations just from that by itself which equals out to {$44000.00}. You can make all checks payable to XXXX XXXX and send it to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX PA XXXX. Since this is now a charge off, it is a certificate of indebtedness which is considered income, and it must be removed The law says its illegal to report transaction history thank you for your time and understanding through this damaging & hindering situation as I am not able to get Car insurance a car loan or New house because of these reporting, I am also not able to take my kids to their activities, such as XXXX XXXX XXXX  because my car broke down, and I am not able to get the funding and help that I need to get a new car because of all of this it is extremely hard to live and take care of my children. 

XXXX XXXX