davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

I am customer of Juno.finance with over XXXX in deposits. 

-On XX/XX/year> the company send a notice that the customers funds were moving from XXXX XXXX XXXX XXXX to a XXXX  XXXX XXXX Cash management account. 
https : //juno.finance/blog/important-changes-to-your-Juno-account -On the first week of XXXX there was a failure to purchase XXXX XXXX  as its currently under XXXX XXXX -Now, after the failed company purchase, customers from Juno.finance and other online banks in partnership with XXXX XXXX XXXX  have their accounts frozen to the sum of over XXXX XXXX dollars according with this financial report : XXXX XXXX XXXX -This deposit is FDIC insured, I require access to my money in a timely manner please help
Consumer complaint received 2023-08-28
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. (GA)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION ()

In XX/XX/XXXX Capital One advised that my credit card was compromised and they would issue a new card. Never heard from them or received a new card .At that time we had a rewards balance of {$270.00} .In XX/XX/XXXX received a letter of condolences on my death. 
Immediately informed them Im very much alive. For the past 4 months and literally hours on the phone its been a gong show. Now I received a statement saying I owe {$410.00} which of course is not true. From one of the many conversations, the agent said it appears when I supposedly died they took the rewards from me. Agent said they would rectify and reverse the mistake. 3 more weeks nothing .Then to add insult to injury they sent a cheque on XX/XX/XXXX for XXXX CENTS! Ive had apologys, case files started, promises etc. Im XXXX XXXX XXXX and I feel like Ive aged 10 years. Worst experience with a credit card company in my life .As I said I havent had a credit card since XX/XX/XXXX. 
Because this has gone on for so long and they falsely accused me of being dead so they could take away my rewards, is this not fraud.? 
It really appears that because they have lied and promised to rectify the problem, that they are just trying to hope I go away. 
Capital One must have one of most complaints of any company Who sends a cheque for XXXX cents Thanks XXXX XXXX
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (NJ)

Juno alerted us on XX/XX/XXXX about a disruption with their bank partner. It is now XX/XX/XXXX. Any reoccurring payments I had through Juno are not going through, even though the money in my account would cover those payments. My direct deposit was sent to this account on XX/XX/XXXX, and it is still not showing up in my funds. They sent one email about this issue, and have issued 5 XXXX. Currently, you can't call their customer support line, and no one is responding on the app.
Consumer complaint received 2023-10-20
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. (TX)

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the XXXX XXXX, such deferred payments should not be reported as late. 

Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Experian, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. 

I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. 

As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Experian for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. 

I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Consumer complaint received 2024-07-08
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. (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my XXXX XXXX and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2024-07-08
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. (DE)

Credit acceptance is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

I am unaware of this alleged debt that was placed on my Experian consumer report ( See XXXX XXXX XXXX ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, IQ DATA INT believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that IQ DATA INT can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. IQ DATA INT license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for IQ DATA INT to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to IQ DATA INT. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (MS)

XXXX XXXX XXXX  XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CapitalJ Inc. dba Juno (CA)

My account with Juno.finance was no longer of value to me, so I directed them to send my {$4400.00} back to the source from which I deposited it with them. Three days later, they claimed that " you cancelled the transfer. '' Of course, I did not.

When I complained and let them know that I was filing a complaint with CFPB, they tried to blame their " transfer agent. '' A bank of which I have no relationship, and no prior knowledge. Looks very suspicious to me.

Here is what they said : " As you would have received in the email, currently, ACH transfers, wire transfers, and card transactions are experiencing interruptions due to our bank partner XXXX XXXX  XXXX XXXX. Unfortunately, this happened without any prior notification to us. It seems other partners of XXXX XXXX  XXXX XXXX are facing a similar issue as well. '' I'm very thankful for the presence of CFPB which I know that the Democratic Party made this happen while the GOP used every tactic to kill it, or at least minimize its effectiveness. Thank you.
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-28
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. (GA)

I submitted disputes of identity theft along with documentation to support my claim on XX/XX/2023 for the following accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts is a violation to my rights. 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

I was incarcerated at the times these accounts were opened. ( XXXX ) With that information alone the accounts should be deleted.
Consumer complaint received 2024-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (NC)

Deceptive Fees : US Bank has imposed unjustified fees, including XXXX XXXX XXXX ( XXXX  ) fees, property inspection fees, and other miscellaneous charges that are neither adequately explained nor authorized. 

Failure to Honor VA Mortgage Agreement : As the holder of a VA-backed mortgage, I expected cooperation between US Bank and the VA. The bank has neglected loss mitigation rules, continues to impose fees, and threatens foreclosure without honoring the VA agreement. 

COVID-19 Assistance : Despite receiving funding from the Homeowner Assistance Fund , US Bank failed to apply it properly to my mortgage account or provide transparency about how it impacted my balance. Additionally, it failed to waive fees during the COVID-19 pandemic, contrary to government mandates. 

Inaccurate Billing Statements : The bank 's statements do not reflect accurate payments and balances. For instance, despite no missed payments and a 3.5 % interest rate, my mortgage balance decreased by only {$1900.00} over a year. This discrepancy remains unresolved.
Consumer complaint received 2024-05-31
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)

Despite my numerous attempts over an extended period, fraudulent, inaccurate, and misleading information tremendously impacting my life remains unresolved on my consumer credit reports. The prolonged presence of these unauthorized items has caused me significant stress, XXXX, and detriment. As the victim of identity theft, I did not authorize or consent to any of this harmful information being associated with my name and credit profile. 

I am writing to inform you that due to the severe and unresolved nature of this issue, I have no choice but to pursue legal action against your company for violating the Fair Credit Reporting Act. Your ongoing reporting of information you have been made aware is inaccurate and fraudulent is unlawful. 

I hereby demand that you take immediate action to fully update, delete, and permanently block all fraudulent accounts, inquiries, collections, and any other items stemming from the identity theft from my credit reports and file. This matter requires your utmost urgency, seriousness and attention to rectify.
Consumer complaint received 2024-09-15
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)

. I am writing to dispute the accuracy of the information reported on my credit report by Equifax regarding an account withXXXX XXXX XXXX. The account in question was reported as opened in XX/XX/year>. However, this account does not belong to me, nor have I ever had any association with this creditor/company. I believe that the reporting of this account is in violation of the Fair Credit Reporting Act ( FCRA ) and request its immediate removal from my credit report. Additionally, I have filed and attached a police report with the XXXX XXXX Sheriff 's Department regarding this matter.

Under the FCRA 's provisions, specifically 15 U.S. Code 1681e ( Compliance procedures ), I am entitled to receive accurate and verifiable information in my credit report. The current reporting of this account clearly violates my rights as a consumer. Simply updating the inaccurate information that I am disputing is a clear violation of FCRA requirements and serves as proof that your company was not reporting correct information initially. I demand that Equifax conducts a thorough investigation into the accuracy of this entry. I hereby request that you provide me with documented proof of your investigation method and verification of the reported information within 30 days of receipt of this letter.

Failure to comply with the FCRA 's requirements and to provide the requested information within the given timeframe will leave me with no choice but to take appropriate legal action to protect my rights as a consumer.

In conclusion, I kindly request that Equifax removes the fraudulent account from XXXX XXXX XXXX from my credit report and corrects any inaccuracies in the reporting of this account. I expect prompt action from Equifax to resolve this matter in a fair and expedient manner.

Please acknowledge receipt of this dispute letter, and I look forward to receiving your written response regarding the outcome of your investigation.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.