davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX  dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through XXXX to : XXXX XXXX His XXXX associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through XXXX respectively. 
The same day they received the money, Chase bank informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXXXXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX information below : $ nunuade
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I went to XXXX with my Capital One Venture X credit card. When I came back from XXXX I reviewed all my transactions and saw there was one transaction on XX/XX/2023 that I did not authorize for {$190.00}. I reached out to capital one fraud department and they did an investigation and did not find it to me fraud and refuse to credit my account. They informed me to reach out to the merchant however I did not make this transaction so I do not have any information on the merchant nor do I know what service or merchandise I was charged for. I have no information regarding this charge and can not dispute it myself even if I wanted to. I have informed capital one that I do not have any information or contact with the merchant because I did not make this transaction and nothing was done to resolve the issue and the case was deemed closed.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CVB FINANCIAL CORP. (CA)

Demand the refund in the amount of {$XXXX} for the " appraisal fee review '' that charged us in advance ( even before they order the appraisal report from the third party ) from XXXX XXXX Bank, XXXX, CA branch. Due to XXXX XXXX Bank 's deceptive and unfair lending practice, we forced ourselves to find another Bank to complete our loan refinancing process. The appraisal report ( we paid for more than {$XXXX} ) had been transferred to other Bank whom only charged XXXX ( appraisal review fee of {$XXXX} ) at the loan escrow closing date ( not in advance ). In fact, XXXX XXXX Bank did do anything after receiving our appraisal report from XXXX XXXX except demanding us to pay more than XXXX for other reports that no other Banks, that we contact, required for our loan refinancing process. They said they could not process our loan refinance until we send the above fund ( more than XXXX ) which we disagreed. These local ( XXXX, CA ) XXXX suggested that if we do not want to send them additional fee as requested, we could find another XXXX, which we did and were able to complete our loan refinance. This shows the fact that they have never attempted to process our loan before receiving the additional fund from us. Therefore, XXXX business bank has no reason to keep our " appraisal review fee '' They must refund us immediately. There are so XXXX bad reviews and complaints about this Bank since they took over XXXX Bank ( our original Bank that we had the loans with ). Please review. By contacting other Banks, we found out that we are victims of XXXX XXXX Bank 's deceptive and unfair practice lending. They charged customers as much as they can, their statement : " this is XXXX 's regulation ''. This Bank must be investigated thoroughly by XXXX.
Consumer complaint received 2024-06-07
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. (CA)

It appears that my credit file has been compromised again. While reviewing my records, I noticed several items that do not belong to me. As a diligent researcher, I found that under Section 605b of the FCRA, you are legally required to remove any fraudulent items resulting from identity theft. The disputed items are not mine, and I request their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-07
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. (OR)

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (MI)

did not receive anything from original creditor just a notice from the collection agency aargon agency no chance to make the debt right I sent multiple letters to aargon agency asking for validation of debt with no response it has been more than 30 calendar days and I am still getting phone calls multiple times during the week.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CATHAY BANK (CA)

SOME OF MY PERSONAL DATA WAS HACKED AND SUPPOSEDLY AVAILABLE ON THE DARK WEB. I HAVE XXXX PERSONAL CHECKING ACCTS AT CATHAY BANK. 
I ONLY USE CHECKS FOR DISBURSEMENTS AND SIGNED UP FOR ONLINE BANKING AS IT WAS SUPPOSED TO BE SAFE, SECURE, AND CONVENIENT. 
I DO NOT MAKE WIRE TRANSFERS OR INTERNET TRANSFERS. 

FROM XX/XX/XXXX THRU XX/XX/XXXX, THERE WERE XXXX UNAUTHORIZED TRANSFERS FROM MY ACCTS TOTALING {$16000.00}. I WAS NOT INFORMED ABOUT THESE TRANSFERS AND ONLY BECAME AWARE OF THEM WHEN I DOWNLOADED MY BANK STATEMENTS AT THE END OF THE MONTH. I REPORTED THE FRAUD TO THE BANK AND THEY SAID THE PASSWORDS AND IP ADDRESSES USED WERE VERIFIED AS ONLY BELONGING TO ME. THESE TRANSFERS WENT THRU XXXX BANK OUT OF STATE WHO I HAVE NEVER HAD ANY BUSINESS RELATIONSHIP. THE BANK SAID VERIFICATIONS WERE MADE THROUGH MY CELL PHONE NUMBER. I DISCOVERED THAT MY CELL PHONE WAS ALSO HACKED AND CALLS WERE BEING DIRECTED TO ANOTHER PHONE NUMBER. 

SUBSEQUENTLY, I REPLACED ALL MY BANK ACCTS, CHANGED ALL MY PASSWORDS, AND CLEANED MY PHONE AND COMPUTERS. CATHAY BANK DOES NOT PROVIDE A CONTACT FOR FRAUD COMPLAINTS. MY COMPLAINTS TO THE BRANCH STAFF GENERATED NO PROGRESS. AS A FORMER BANK XXXX XXXX MEMBER AND LONG TIME CUSTOMER, I CONTACTED THE CEO OF THE BANK. THAT RESULTED IN ANOTHER REFERRAL TO THE FRAUD DEPT AND THE SAME DENIAL OF MY CLAIM FOR REIMBURSEMENT DURING THIS TIME, I ALSO EXPERIENCED SOME FORGED CHECKS ON THESE ACCTS AND SIMILAR UNAUTHORIZED TRANSFERS AT MY XXXX ACCTS. 
CATHAY BANK DID REIMBURSE ME FOR THE FORGED CHECKS AND XXXX REIMBURSED ME IN FULL FOR XXXX UNAUTHORIZED TRANSFERS WITHIN 30 DAYS. 

AFTERWARDS, I LEARNED ABOUT AND SIGNED UP FOR THE BANK 'S POSITIVE PAY PROGRAMS WHICH PROVIDE MUCH IMPROVED MONITORING AND PROTECTION FROM FUTURE FRAUDS.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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 an 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 2024-08-29
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-07-14
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. (NJ)

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX XXXX  it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or Charge-off is XXXX. 

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The XXXX does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-14
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. (NJ)

Subject : Dispute of Duplicate Account Information on Credit Report Transunion, this account is also in the COLLECTION. On XX/XX/XXXX, I obtained the result of my reinvestigation inquiry of XX/XX/XXXX, XXXX, for the account XXXX XXXXXXXX You failed to reinvestigate this account properly, on XX/XX/XXXX, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. Enclosed are copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/XXXX. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX
Consumer complaint received 2024-06-06
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. (CA)

I have filed a complaint with the FTC and filed a police report for the unknown collection account XXXX XXXX XXXX XXXX XXXX and the unauthorized inquiries. It has been almost XXXX months and the unknown collection account and the unauthorized inquiries remain at large on my credit. I am requesting the CFPB help to facilitate the matter. The bureaus have ignored me. I have also spoke with a XXXX XXXX Attorney. He told me to follow up with his firm after the results from this complaint.
Consumer complaint received 2023-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (MD)

On XX/XX/2023, my XXXX XXXX FHA mortgage was sold to Midland Mortgage while I was in the middle of a medical forbearance. In XX/XX/2023, I started receiving aggressive threatening collections calls more than once a day. A month after Midland Mortgage received my mortgage, they sent me a pre-foreclosure letter giving me a short amount of time to correct the situation. I called Midland Bank in XXXX to inform them the mortgage was in a forbearance until XX/XX/XXXX at that time they informed me that XXXX XXXX never gave them anything stating that, I spent over an hour on the phone with them and finally someone told me they located the mortgage documents, and I was on the Unemployment Plan. I stated I never heard of an unemployment plan and how XXXX information on this new status they have given me. I was instructed by Midland to re-apply for their mortgage assistance, but I informed them FHA stated they had to honor the terms they obtained the mortgage with.

I thought during the forbearance period I was under some type of federal production? The Midland Mortgage representative instructed me that I was in pre-foreclosure on a recorded call. I have been forced during a forbearance period to try and prevent my mortgage from foreclosure so I am seeking legal counsel. Additionally, I was file a complaint with the XXXX regulatory entity.