davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have had capital one bank since after my Bankrupcy I have 4 credit cards however I had been dealing with bad fraud with my first tech account my accounts had been compromised and I am no longer doing business with XXXX XXXX XXXX XXXX XXXX however capital one decided to close my accounts for no reason due to a return payment I have proof I had fraud and my accounts had been blocked I contacted capital one to fix the issue but I am not getting to a resolution its not fair and no my fault my account was hacked I lost over XXXX it was a process to get my funds back etc as I had to wait for the fraud claim to get approved I have my funds and would like to pay my credit cards if I can get my credit cards back and if they can work with me on all the fees that have been assessed
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
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. (KY)

I noticed that I had something negative show on my credit report for more than 30 days from XXXX XXXX. 

I suspected fraud on a card that I had for just 4 months. I called to report it and close the account. I closed my account due to suspected fraud. 

So, I called to find out why they didnt remove the charge. They claimed that they have been sending me a bill but they werent.. they had an email address from my XXXXXXXX XXXX  and that is no longer my email address and no one there was able to help me get it changed. 

I disputed again XXXX more times and each time, the bank credited my account until the dispute was complete. They removed XXXX of the XXXX dollars and left me accountable for XXXX dollars that I paid at that point. 

Now, I have on over due payment 6 months not being paid on TransUnion. I have filed multiple disputes with them. They only respond that the information on the credit report is accurate. I have been denied home loans over this XXXX dollar charge. I would have let them rip me off on XXXX dollars if I knew this was going to impact my credit rating. This just seems unethical since it wasnt like ignoring my bill. I was trying to do the right thing and now I am paying for it. 

I also spoke with the manager and she told me that she was filing a dispute on behalf of XXXX XXXXXXXX to TransUnion. That apparently didnt help either.
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a XXXX  about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX and JPMCB CARD XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EQUIFAX for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EQUIFAX has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EQUIFAX is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EQUIFAX has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EQUIFAX is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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)

My name is XXXX XXXX XXXX and I've taken the time to compose this message after reviewing my credit reports and speaking with several representatives. After reviewing my reports I've noticed that the listed accounts in this report violate the Federal Credit Reporting Act. They violate 15 USC Code 1681i ( a ), 15 USC Code 1692g, and 15 USC Code 1681S-2. Being a federally protected consumer, I am demanding the removal and deletion of these listed accounts immediately. Lastly, no consent constitutes identity theft, and the listed accounts never received my contractual written agreement to report anything on my accounts.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-30
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)

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$990.00} Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a XXXX XXXX XXXX that has the authority to verify my trafficking. 
Sincerely,
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-29
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-29
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. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (FL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

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.
Consumer complaint received 2024-07-30
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: JPMORGAN CHASE & CO. (NY)

I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Consumer complaint received 2024-05-07
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. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. However, I am uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
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: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-30
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. (VA)

I am writing to formally dispute the accuracy and validity of a debt collection entry on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). The entry in question pertains to account number [ Account Number ] and is associated with an alleged debt owed to [ Original Creditor 's Name ], reported by [ Debt Collector 's Name ].

Legal Grounds for Dispute : Violation of FCRA ( 15 U.S.C. 1681 ) : Under the FCRA, I am entitled to dispute inaccurate or incomplete information on my credit report. The debt collector, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has failed to provide adequate verification of this debt despite my formal request, which is a violation of my rights under the FCRA.

Violation of FDCPA ( 15 U.S.C. 1692g ) : According to the Fair Debt Collection Practices Act, I requested validation of this debt from XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX within 30 days of receiving their initial communication. They have not provided the required documentation to prove that the debt is valid and that they have the legal right to collect it. Therefore, they are prohibited from further collection activities, including reporting this debt to credit bureaus. 

Due to these violations, I demand the immediate removal of this unverified and potentially inaccurate debt collection entry from my credit report. Failure to do so constitutes willful non-compliance with federal laws protecting consumer rights.

Immediate Deletion : Remove the disputed debt collection entry from my credit report within the 30-day investigation period mandated by the FCRA.

Written Confirmation : Provide written confirmation of the deletion or the results of your investigation within 30 days. 

I expect prompt and thorough attention to this matter and look forward to your immediate confirmation of the removal of this erroneous entry from my credit report.
Consumer complaint received 2024-05-22
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: SYNCHRONY FINANCIAL (VA)

When I checked my credit report last month for the first time, I discovered that a credit card account was opened fraudulently on XX/XX/XXXX using my name with a false address. I promptly submitted a dispute via two of the credit agencies XXXX and XXXX. However, in both cases, the lender verified that the information was correct, and as a result the delinquent account, which the lender has charged off as of XX/XX/XXXX, continues to adversely impact my credit rating. The lending company is listed below, and I have never done any business with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX