davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-31
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. (LA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MS)

I have contacted Acima several times since mid XX/XX/XXXX. I have asked numerous times for them to provide me documentation of the lease agreement that they state I am owing for lease # XXXX. There are many discrepancies with this collection. First, I am not aware of this account, but I tried to reach out to them to get all documentation first. I have been informed 3 times that they have sent this information of the lease agreement to my email and should receive it within 1-2 business days. I have YET to receive anything. I have also verified the email that they are sending these reports to, and I confirm that it is my email, but I have not received anything in my inbox nor spam. Apparently, I have a lease in my last four social of XXXX and another lease with the last four social of XXXX. Every time I talk to a representative, I am given a different balance on each occasion ( in which none actually matches the amount shown on my credit report ). On the last conversation, I explained to the supervisor ( XXXX XXXX. ) that I am not aware of this account, and since then they have denied providing any more information. She stated that since I informed them that this could possibly be fraudulent activity, they can not share or provide any more information with me.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX bill was due on XX/XX/XXXX, the system showed payment received but I noticed that the due bill amount wasn't deducted from the checking account ( despite not having a sufficient amount for full payment ). So I transferred the payment from my checking to my credit card account and made full payment. 
XX/XX/XXXX, the system showed returned ACH card payment and charged me Past Due Fee {$25.00} and on XX/XX/XXXX interest charge {$40.00}. I learnt the lesson and made sure the XXXX card payment was paid in full amount. 
XXXX bill is paid in full amount on due date. But I got another charge of {$23.00} on XX/XX/XXXX! The bank said it was for interest charges for XXXX which I already paid the interest charges on XX/XX/XXXX without any further explanation. 

Captial One is a total fraud for not explaining well to the customer and confusing its customer by showing payment settled and abusing for more money of late fees and interest charges. The interest charge mechanism is a fraud in Captial One and I refuse to pay for any interest that is incorrectly added to me. I hope CFPB can assist consumers and Capital One should give a transparent transaction to its customers instead of the attitude that you are in my bank, I do what I want behaviour.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. 

In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. 

HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. 

It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX
Consumer complaint received 2024-05-13
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. (PA)

In my previous complaint to the Consumer Financial Protection Bureau ( CFPB ), I expressed concern regarding Transunion 's inaccurate reporting of the following account : XXXX I have requested several times in my previous complaints to the CFPB that Transunion verify this account through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I believe that it is my right according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ). Instead of Transunion providing me with that requested documentation upon their investigation results, I received a letter that states " the disputed item was verified as accurate, '' without providing the documentation that I requested as consumer. 

Since Transunion has updated this account by adding additional information, they should also have documentation that proves this account belongs to me. I have been requesting this information for several months now. If Transunion can not provide me with a physical verification I DEMAND that this account be removed from my credit file. I have no knowledge of XXXX and have a right to see any and all information that associates me with this account. Transunion is in total violation as they are not providing me, the consumer with information I have a right to obtain. 

I am also attaching a copy of of my drivers license, social security card and proof of address ( voter registration )
Consumer complaint received 2024-01-12
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)

My credit report from XXXX app, TransUnion and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX  XXXX  that constantly been updated. 
XXXX never updated my credit report.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (IL)

XXXX XXXX XXXX is cancelling Federal Student Loans due to findings of misconduct but mine haven't been cancelled when they should have been. I enrolled into the XXXX XXXXXXXX XXXX XXXX in the fall of XXXX. I was forced to get a student loan so that I could attend the school. I was lied to and misinformed about there being a guarantee that I would receive a job once I graduate in XXXX XXXX. I wasn't able to get a job in my field and because of that I've worked odd jobs trying to get by and have been in debt trying to pay my student loans with high interest. 
My student loans are {$53000.00}. My interest is half of that. 
I am also apart of the XXXX lawsuit.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Disputed transaction for XXXX XXXX XXXX for XXXX $ XXXX XXXX XXXX challenged the chargeback then contacted capital one they advised me to provide supporting documentation, of which I did. 

Capital one send me a letter saying it lacks evidence needed and to contact the merchant. Called capital one again spoke to a supervisor they advised me exactly what documentation needed to close the dispute in my favor provided the letter as requested same day. XX/XX/year> I received the SAME letter saying to work it out with the merchant.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am writing to dispute the accuracy of information on my credit report under the Fair Credit Reporting Act ( FCRA ), referencing 15 USC 1681 EB. Despite a previous reinvestigation, the disputed items remain unresolved. 

I request another thorough review of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge compliance with FCRA regulations and prompt removal or correction of any inaccuracies found. Enclosed are documents supporting my claims. 

Please acknowledge receipt of this letter and inform me of the next steps. Your swift attention to this matter is appreciated.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and noticed late payments on accounts that I was never late on and some charge offs. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the FAIR CREDIT REPORTING ACT clearly states. 
I have never been late on payments and did not provide written consent to report the account : XXXX acct. XXXX XXXX XXXX XXXX aact. XXXX XXXX XXXX acct XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. IF PROOF CAN NOT BE PROVIDED I demand these payments to be updated to on time as they should be as I was never late. Pursuant to 15 USC 1681 congressional purpose, talks about equity and fairness.
Consumer complaint received 2024-01-12
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'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My wife accidentally clicked on a link that was claiming to be the usps advising for a {$1.00} charge for an address change for a package being delivered. My wife inadvertently gave the debit card information as she did have a package being delivered. The next day I attempted to use my debit card with are both linked to our checking account and it was frozen. XXXX with Bank of America and they advised me of the incident. They advised me that both my wifes card and mine will be cancelled and new ones will be ordered. The next day i went into the branch and the carda had not been ordered. The branch associate ordered my card and again advised that both cards have been cancelled. 

10 days later on my wife 's supposedly canceled card, approximately XXXX individual charges were made in a XXXX hours period ranging from XXXX cents to {$68.00} for a total of almost {$6000.00} dollars. I notified my bank the very next day advising of the fraud. On XX/XX/XXXX i received a temporary credit. On XX/XX/XXXX i received a letter in the mail advising my claim had been denied and the temporary credits will be debited from my account on XX/XX/XXXX. The person i spoke to stated that the claim is textbook fraud and escalated it for a second review. The alleged purchases were made at a company called XXXX XXXX, and as per my bank states a XXXX transaction out of XXXX XXXX. 

I beg for you to assist me in this matter as I am closing on my house in the coming months and the impact this could cause could ruin this.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My equifax score dropped XXXX points for no apparent reason I havent opened any new accounts nor do I have delinquent or late payments! 
And they cant explain to me how this happened!!! 
This is keeping me from purchasing a home!!!!
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WV)

I was trying to CashApp my last car payment and when I went to send the payment of {$820.00} they locked my account after I tried to send the payments in smaller amounts. The app says that my account will be unlocked in 24hrs that was on the XX/XX/XXXX, now their saying that I have to wait 45 days. CashApp set me back on my last car payment and my little girl had to wait until I got my next paycheck to celebrate her birthday. CashApp has been nothing but stress, I contacted the XXXX, my states AG, and now Im asking for you help with this matter. Thank you.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request 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 : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022