davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XXXX XXXX, my chase account was locked by chase. I could not access the fund in it until XXXX XXXX, XXXX. When I call them, they told me they had the right to close my account and was waiting the department to review it. They didn't send me the check back. But currently I have run out of my money and need the money in chase to pay for my rent and food! I was about to be homeless!!! I have borrowed {$500.00} and my friends were running out of money as well. I feel so desparate!!! Help me, please!!!!!
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with XXXX  Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

I hope this email finds you well. I am writing to follow up on my previous attempt to address the presence of late closed accounts in my credit file. Despite our prior correspondence and my persistent efforts, it seems that the late closed accounts have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to remove the late closed accounts from my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the removal process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. The following late closed accounts should be remove as soon as posssible : XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My bank, Capital One, has frozen my accounts without notifying me. They have refused to give me the date they froze it or explain why I was not notified to keep checks from bouncing. I am XXXX and this started when I attempted to change my POA at the bank. I have very credible reason for believing the person acting as POA might drain my accounts. A new POA was drawn up by my attorney along with a letter that this person was to have no further access to my accounts. This was taken to my branch by my new POA on XX/XX/XXXX. They faxed it to their legal dept for approval stating it would be XXXX to 7 days. By XX/XX/XXXX it still had not been approved so I had to go in person to move money from savings. On XX/XX/XXXX a check was returned, this was first and only indication I had that my account had been frozen. Even though I was just out of hospital I had to go back in person because they still had not approved new POA. They said someone had called in alleging a third party had called in pretending to be me. They named my new POA as that party. This is ridiculous as she had no need to pretend to be me- she has my POA and regardless, pretending she would not have given her real name!! They refused to tell me who made the allegations even though they knew I was being harassed by the former XXXX to the point of filing a police report on XX/XX/XXXX. I do not feel it is a coincidence that the allegations had to be made that same week. Her threatening behavior has been constant for over XXXX months now.
Consumer complaint received 2024-07-23
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. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XXXX XXXX {$1400.00} XXXX remove acct XXXX XXXX  {$1200.00} XXXX remove acct XXXX XXXX XXXXXXXX remove inquiry XXXX XXXX remove inquiry XXXX XXXX  dealer XXXX remove inquiry XXXX XXXX XXXX  remove inquiry
Consumer complaint received 2024-05-02
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. (MI)

I previously sent a letter requesting that you reinvestigate the disputed account on my credit report and update it accordingly during the investigation period. However, as of today 's date, I have not received a response to my request. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following are inquries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX XXXX. XXXX XXXX. And XXXX XXXX. I filed dispute claims to Transunion. Regarding XXXX XXXX XXXX. My credit report states that 54 % is paid off and a balance of {$610.00}. ALL DIRECT DISPUTES with Transunion completed final results state that this information was verified as accurate I am NOT satisfied with these results. Especially since on the dates that I filed the complaints, I also contacted XXXX XXXX XXXX Each time they stated that the account is PAID IN FULL in good standing and that there is NO BALANCE. XXXX  XXXX XXXX also stated that I have to contact the credit Bureau to dispute the information. The last Direct Dispute with TRANSUNION was submitted on XX/XX/XXXX and completed on XX/XX/XXXX.File # XXXX. The information is inaccurate andWRONG.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (NC)

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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-18
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. (MS)

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 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 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I have been a victim of identity theft and 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 accounts 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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ok I have capital one and check my credit. I have a alert that tells me my social security card is compromised on dark web when I click on it it gives me a name of someone with my last name with a phone number from Michigan?
Consumer complaint received 2023-12-20
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. (LA)

I am filing a complaint against XXXX XXXX XXXX Bank regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/2023, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/2023, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXX Bank complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST HAWAIIAN, INC. (HI)

I have had a loan that was supplied by the dealership for XXXX years now for a Newly purchased vehicle. The bank wouldn't open an online account for me so that I could make payments. I tried calling several times over a year and a half for several issues and never once had anyone pick up the line. I also tried their customer support email several times over a year, and there was no answer. Not even once. I had to turn on bill pay from my normal bank to send them a monthly physical check. I discovered this wasn't working when I got a notice of delinquency on my credit monitoring. I went to the bank to see what the issue was. They never opened the mail and didn't deposit the checks. They had been sitting on someone's desk! I asked what they would do to get the notice of my credit report, and I was told, " Oh, sorry, there's nothing we can do about that. '' So now I have to go into the bank every month, hand them a check, and watch them deposit it. Once, a couple of months ago, I got busy and missed going into the bank. They notified me about the missed payment on day XXXX and reported me the next day for being late. I just found out they filed another one for me today. I was in the bank earlier this week and made the payment! How can I hold them responsible for negligence and stop trashing my credit??
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing Equifax to block this account from the credit report of XXXX XXXX.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (PA)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX 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 2023-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I had {$1000.00} deposited into my account XXXX days ago and they will not let me transfer money to my debit card they will not let me transfer money to any of my friends on my list in other words they will not let me get my money anyway which way whatsoever. They have Frozen my account so I have no access to my funds I have a car payment due yesterday and my power has been shut off now because of non-payment because I can not get to my funds that they are holding for no reason whatsoever
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX 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 2023-06-18
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: Experian Information Solutions Inc. (IA)

Experian had the following reports regarding my XXXX XXXX XXXX : Balance {$78000.00}, Balance updated XX/XX/2023 ; Balance {$XXXX  Balance updated XX/XX/2023 ; XXXX XXXX reported the following to me : Balance {$XXXX} on XX/XX/2023 ; Balance {$75000.00} on XX/XX/2023 ; Not only is Experian incorrect, it shows the balance going up instead of down. 

Experian showed a balance of {$XXXX} on XX/XX/2023. Then it shot up to {$78000.00} in XX/XX/2023. They claim the balance went up XXXX} in one month. It did not ; it's been going down steadily.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (MI)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-20
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. (PA)

This is XXXX 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 2024-05-05
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 (MA)

My mom, XXXX XXXX, manages my finances while I am in XXXX XXXX. She is a user on my credit cards and makes all payments. I asked her to dispute a {$5.00} printing charge made on XX/XX/year> ( the printer was broken ). She tried to do it and Venture employee " XXXX, XXXX, XXXX '' would not allow it, refused to allow my mom to speak to a supervisor, and told her she needed to be the designated " account manager '' not a user. When my mom asked how I could make her a manager, XXXX refused to answer and hung up on mom, when she continued to ask. She was rude and unhelpful. I found a link in my account to make my mom the account manager ( it gave two choices -- user or manager -- I choose manager ), and attempted to make my mom manager but the system said she was already a user so I could not make her manager. I tried several times and gave up. I need : # XXXX help disputing the {$5.00} printing charge and # XXXX help making my mom the account manager, not just a user. If I have to choose only one ( user or manager ) I will choose manager.My mom doesn't use her account anyway. Please help.Thanks. XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are over XXXX unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed immediately