davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX I pay off my account ( XXXX ) Though XXXX XXXX XXXX and I had a balance of {$1500.00} at the end which I personally paid Capital One. The Account is close. In XXXX XXXX XXXX I pay off my platinum card XXXX and close that account. So for XXXX ( XXXX ) show a XXXX Balance when I go into capital one. Now in XXXX it show a bal of XXXX XXXXXXXXso I call Capital one and ask they said Account was pay off .. LOL so you waited 2yrs to say the account wasn't pay off which I know it was for a fact.
Consumer complaint received 2024-06-03
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. (NC)

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 XXXX 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 informationisinaccurate.
Consumer complaint received 2024-06-03
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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX, 2023, this credit inquiry was placed on my credit report, and have not applied for any form of auto loan from this company ( Possible fraud ).
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (PA)

An old debt with an electric company was paid off in XXXXXXXX XXXX, the total amount to pay provided by XXXX XXXX XXXX XXXX when refinancing my home. The amount was incorrect, leaving a XXXX balance. I was NEVER notified of this remaining amount. All the while it was being reported to the credit bureaus as delinquent for XXXX  months. I just happened to notice when checking my credit report. Not only has my credit score dropped nearly 100 points, I have been denied for credit cards and loans. I filed a complaint with the XXXX  and the company response was the amount was " under the threshold '' of reporting to the consumer but they were reporting to the credit bureaus? Makes no sense. The companys suggested resolution was to remove the item from my credit report which is not sufficient. Compensation for my time and loss of being able to obtain a loan/credit cards with a reasonable interest rate is warranted. As well as the company retro actively report to the credit bureaus for the last XXXX  months.
Consumer complaint received 2023-10-23
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)

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, however I am not liable for this debt with XXXXXXXX XXXX for {$1400.00}. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as requested. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-07-10
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

This payoff was paid and received on XXXX XXXX! The company has the check in their possession and not correcting my account. The vehicle was traded in for safety reasons because it has computer problems. I have proof that they received the check and a copy of the check
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY (MO)

XXXX has refused to resolve a debt and has in written from company XXXX XXXX that the furniture that was sent to me was broken upon delivery Ive reached out the past year over and over regarding this same situation with dispute after dispute with proof the furniture was damaged upon delivery several phone reps tell me they wouldnt pay for broken furniture neither but within there policy theres nothing they can help me with still no resolution after a whole year and trying to charge me for broken furniture.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a substantial loss of income and my current monthly expenses increased, exponentially. As a result of this, I fell behind on my mortgage and it became a snowball effect that I could not manage nor control. I have since then reassessed my financial situation and want to short sale my home to avoid even further financial disaster. My local congressman, XXXX XXXX, stated that I have a right to short sale my home to avoid foreclosure. My real estate agent, XXXX XXXX, has been working around the clock to find a satisfactory offer and will be submitting it to XXXX XXXX, today. I am hoping that with the assistance of this formal civil complaint, that I can have the short sale reviewed by someone in the XXXX of the XXXX at XXXX XXXX. I am a XXXX  citizen, over XXXX years of age, and I believe that to a degree, this is elderly abuse. I have tried to modify with XXXX XXXX for the past 5 years of my life but was asked over and over for the same documents and was passed from negotiator to negotiator, making no clear headway, ever. There is a sale date slated for XXXX XXXX, XXXX, which I would like postponed while my short sale offer is reviewed by XXXX XXXX.
Consumer complaint received 2018-03-28
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: EQUIFAX, INC. (VA)

I submitted a dispute to Equifax to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how Equifax came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IL)

Kept getting emails from Citibank saying my application was denied because they couldn't get banking information. Then yesterday I get an email stating my Citibank credit card would be coming in the mail. And I did. When I call them I get a foreign person wanting my SS #. I told them I wasn't comfortable with that and they said call back when I was comfortable. It says they got my XXXX XXXX from XXXX.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (OH)

practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE (MI)

XX/XX/XXXX received a letter from my place of business ( a garnishhe disclosure ) that velo law office was garnishing my wages I spoke to velo law office they stated it was fromXX/XX/XXXX originally. They stated it was from XX/XX/XXXX for {$1000.00}. 

I then called XX/XX/XXXX. I was told this account was sold to dnf but was bought back in XXXX because the account was closed due to fraud and was taking off my credit report and the account was closed. 

The law office of velo law said they served me in XXXX. Which I was not served for this.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I went to a JP Morgan Chase branch today XX/XX/year> at XXXX XXXX XXXX XXXX XXXX, FL XXXX to utilize their ATM to deposit {$1000.00} cash ( all in {$100.00} bills ) and the ATM malfunctioned without crediting my account or giving the cash back to me! The ATM machine only produced a receipt which stated to call customer service to get this handled. I immediately called customer service in which the representative told me that I would receive a " temporary '' credit of the dollar amount deposited but that it can take 10 business days. 10 BUSINESS DAYS?!! Is this a joke? Why are these banks playing with our hard earned money. I am struggling to make ends meet and needed the cash deposited ASAP to pay my bills and mortgage which now I am sure I will incur late fees and no one seems to care or have any compassion? This is insane. The fact that this is an issue that occurs often based off of my research, I am surprised there hasn't been a lawsuit filed. If I do not receive my hard earned money by tomorrow, XX/XX/year> proper authorities and local news will be involved. No one should have to wait 10 freaking business days to receive money that a machine stole!!
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-05-09
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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. (TX)

DEPT OF ED / XXXX Account XXXX - Q Date of first delinquency is missing? Delete Account XXXX Q Date of first delinquency is missing? delete Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023 - delete Date of letter XX/XX/2023
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Subject : Upcoming Deposit to Address Negative Balance in Account Ending in XXXX Dear Chase Bank Customer Claims Team and Executive Office, I am writing to inform you that the negative balance of {$120.00} in my account ending in XXXX will be addressed with an upcoming direct deposit. XXXX XXXX XXXX XXXX is scheduled to deposit {$20000.00} into my account sometime this upcoming week. This deposit will cover the negative balance. 

I kindly request that you take this upcoming deposit into consideration when reviewing the negative balance on my account. Additionally, if there are any delays, please be aware that XXXX XXXX will be making a reimbursement from a XXXX loan in the upcoming weeks to ensure the balance is rectified. 

Furthermore, I have already contacted the XXXX, XXXX, and other government entities about the lost and stolen funds from my XXXX loan. Please take this into full consideration as they are aware of the situation, and now Chase Bank is also aware. 

I want to emphasize that this is not fraud. These are legitimate companies, and I requested them to direct deposit because a paper check is unacceptable for me. Please ensure that you are ready for this to come through. I have also added a direct deposit authorization to them through first-class mail. 

For further confirmation and to facilitate the deposit, you may contact XXXX XXXX at XXXX ( XXXX ) XXXX. Please press 0 to speak with an operator and inform them that it is acceptable to proceed with the deposit as this is a business account under XXXX XXXX XXXX. 

Thank you in advance for your understanding and cooperation. 

Sincerely, [ Your Name ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I recently reviewed my credit profile and discovered several credit card accounts and inquiries that can not be verified. Additionally, some information is not 100 % accurate, including incorrect names, outdated addresses, old phone numbers, and charge-off accounts. These inaccuracies violate the laws designed to protect consumers, which mandate that all reported information must be completely accurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information on my credit report must be 100 % accurate. The presence of these fraudulent collections and incorrect details in my credit report constitutes a significant violation of this requirement.