davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Robbery Description : Attached is Police Report # XXXX report detailing the theft of my purse and wallet from my car. My purse, phones and wallet were recovered by police officers, but my wallet contents had been emptied. This included my credit cards, debit card, and Texas Drivers License. As a result of the theft, my ID ( drivers license ), Debit card and credit cards were stollen and not recovered. Subsequently XXXX fraudulent transactions have been completed at Chase bank locations. 
Fraudulent Transaction Descriptions : XXXX. The first claim ( # XXXX ) is for {$1000.00} withdrawn from my savings account at the Chase Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX XXXX XXXX ( XXXX ) texted to my phone. I was on a flight at the time and received the text late. The attached Transaction summary shows the withdrawl happened at XXXX. 
XXXX. The second claim ( # XXXX ) is for {$2000.00} withdrawn from my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX texted to my phone. The attached transaction summary shows the withdrawal happened at XXXX. 
The accounts associated with these two transactions have been have frozen after each incident. 
I opened a new checking account on XX/XX/2023. 
The Police Report associated with these fraudulent claims is XXXX. 
XXXX. The XXXX claim ( # XXXX ) is for {$1800.00} and {$2000.00}. XXXX checks were written from XXXX XXXX to my name and were cashed in person with a forged signature. XXXX XXXX accounts were closed and the checks were returned resulting in cash being debited from my checking account. Cash from my newly opened checking account was given to an individual in possession of my ID. The dates of the checks are XX/XX/XXXX and XX/XX/XXXX. These transactions were performed on my new account. 
The police report associated with these fraudulent claims are XXXX, also attached.
Consumer complaint received 2024-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (TX)

Loan was transfer to seven different loan servicing co. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They change loan to Home equitXXXX XXXX XXXX XXXX XXXX  ALL FILE BANKRUPTCY SELENE FINANCE IS NOW THEY ARE NOT CORPORATING TO SEND ORIGINAL PAPERS
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (CA)

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, LCI is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for LCI to permanently suppress my information from LCI publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of rights protected by the Privacy Act, I am requesting {$1000.00} as a remedy for my hardship that was endured from negative items being reported on my credit report. The immediate attention to this matter will be greatly appreciated.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the deletion of this account in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). The collection account in question is XXXX  XXXX XXXX XXXX believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Consumer complaint received 2024-03-29
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 have disputed this account : XXXX XXXX XXXX XXXX XXXX XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and should be removed but I could not get any help. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section XXXX A. XXXX 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 written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

On XX/XX/2023, I received a notice from AFNI collection agency saying I owed XXXX XXXX XXXX mobility {$2100.00}. I have never had an account with XXXX XXXX XXXX XXXX so assumed it was as a scam.On advice from local Deputy Sheriff. I called XXXX XXXX XXXX. I was told there was nothing associated with the number AFNI said was my account with XXXX XXXX XXXX. The number XXXX was said to be my account with XXXX XXXX XXXX in the first letter but in future correspondence it was stated to be the creditor account number.I sent in response form provided indicating this was not my debt.I received another letter soon after saying they were attempting again to collect the XXXX XXXX XXXX. This time for lesser amount. Most recently another attempt was made by AFNi to collect this debt.I emailed the address on the AFNI website stating simply, " This is not my debt ''. I have not receved a response.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-29
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. (CA)

I am contacting you today to inform you that I have become a victim of identity theft. This correspondence serves as a formal dispute regarding the following accounts. I have followed the instructions provided by the respective companies and have personally reached out to each of them to take the required actions to rectify this situation. Additionally, I have filed an identity theft report with the FTC and have commenced the dispute process with the companies involved. Your assistance in resolving this matter would be greatly appreciated. 
Please expedite the removal of these items. I appreciate your attention to this matter. I regret any frustration conveyed in my communication. These oversights are causing significant financial inconvenience for me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 and XXXX  XXXX XXXX
Consumer complaint received 2024-03-29
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. (NY)

I hope this message finds you well. I am writing to discuss my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed the presence of reported late payments on my accounts and I am disputing this inaccurate information. 
I have taken proactive steps to address and rectify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. These are the accounts that must be updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2023-09-19
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)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX  acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Consumer complaint received 2024-03-29
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. (NY)

I have diligently followed the proper procedures in disputing these accounts. I've reached out to the bank regarding this issue, and they assured me it's been resolved. I've also contacted law enforcement and filed a report and affidavit, which they have validated as an identity theft case. Furthermore, I've contacted the credit reporting agencies, and XXXX and XXXX have complied with the legal requirement by removing the accounts. However, Experian seems to be resistant, claiming I haven't completed all necessary steps. 
Despite submitting my claim to Experian for over XXXX months, I'm at my wit 's end. This marks the sixth complaint I've filed against them, yet I receive the same unhelpful response each time. They insist that the documents I've submitted are invalid. I urge the CFPB to thoroughly examine this case, as it appears to be a failure on Experian 's part to fulfill their legal obligation in processing the identity theft report. 

I have reported the identity theft to a law enforcement agency, specifically XXXX, a federal law enforcement agency. I implore for this matter to be handled properly. The distress caused by this identity theft, coupled with the inability to access my credit, is taking a toll on my emotional and physical well-being. It's significantly impacting both my professional and personal life. I feel as though I'm reaching my breaking point due to the lack of recourse. 

The accounts in question are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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 am writing to report inaccuracies in my credit report, specifically in relation to my dealings with TransUnion. On XXXX I contacted TransUnion regarding incorrect information on my credit report. To date, I have not received a response. The following are the details of the inaccurate information and the required corrections : The following account was never late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not accurate, as I recall the balance being lower. I dispute the entire account and request the verification of the following dates : Date Opened and Date of 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  but I do not have any contract with the collection agency that has been reported. The balance of {$2200.00} is inaccurate, as I believe it should be lower. Furthermore, the reported balance is higher than the High Balance on the same account, indicating an inaccuracy in your reporting. I dispute the entire account and request the verification of the following dates : Date Opened and Date of First Delinquency.
Consumer complaint received 2024-03-29
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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (KY)

On XX/XX/2022 and XXXX Kentucky I paid {$5000.00} down at American Car Center. My lease agreement was for a 3-year term with a major parts warranty for 3 years as well as 6 free oil changes. Within 90 days of this transaction I was informed through XXXX that American Car Center had filed for bankruptcy. Several weeks later I was sent a text stating that Westlake Portfolio Management would be handling ACC accounts. Unbeknownst to me Westlake Portfolio Management is in fact a debt collector that purchased the loans on the vehicle. From what I can tell with my online accounts there has been some fraudulent calculations regarding the money that's been paid towards this vehicle. I am unable to get my car tags renewed because of the shady business deals. For 9 months I have been under such a great distress because this vehicle is the only vehicle my household has to get to important medical appointments. I have learned through several social media groups that hundreds of people has had their vehicles repossed even after paying their payments. I feel like ACC knew exactly what was going on and they tried to get all of the money they could from the consumers before they close the doors. The day that this vehicle was leased the entire transaction seemed shady but at the time I was under a significant amount of pressure to obtain a vehicle because the vehicle I had prior to this one was totaled when I hit a deer. I would like to file a complaint and find out furthermore if any legal action can't be taken against either of these companies. They have not upheld the end of the contract.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

They have this XXXX loan on my credit over and over and over and it's the same repeated and repeated and repeated and it's killing my credit score killing my credit and it's supposed to be forbearance anyways so I try to talk to them about it at the XXXX but it's very difficult to try to apply for a person you meant to talk to and they're not fixing it.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-29
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. (CA)

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  - XXXX {$270.00} XXXX - XXXX {$0.00}
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX