davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX XXXX XXXX XXXX  with the balance of XXXX XXXX XXXX XXXX XXXX  ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

XXXX, XX/XX/XXXX, I received an email from XXXX stating that my XXXX XXXX membership was successful. I never subscribed to XXXX XXXX. With some research, I understand that Chase, my credit card bank, allowed this. From what I have read from a consumer advocate, apparently there is a deal between the two and its in the very fine print. 

The XXXX phone numbers out there are either no longer in service or they direct you to the XXXX site. The XXXX site directions are not mirrored on their web site, so they are useless. I did fill out a general comment box, and with some effort got this cancelled and my first monthly charge of {$9.00} credited. 

This was not a new card application, it was getting a new cc number for security purposes. Isnt it ironic that Chase gives me a new account number to protect myself and then in six months they take advantage of me by signing me up for a monthly service and allowing XXXX to charge my credit card without my consent. 

It shouldnt matter if the account is new or existinghow can it be that this is okay? Its certainly not ethical. Should be illegal. How many customers arent even aware this is happening to them?
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I asked repeatedly for information of the interest rate when I signed up for this card back in XXXX. They are refusing to provide the information. For some reason, they are now charging an interest rate of 31 % which I can not afford as I am battling XXXX. I don't understand how they can charge such a high rate. I only questioned the rate as I made payments on the account but the balance only increases. This is an unfair practice by the bank.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (FL)

I am writing to formally dispute unauthorized charges imposed on my mortgage escrow account by XXXX XXXX XXXXXXXX due to discrepancies related to wind policies. Below are the details of the issue : 1. Original Policy Terms : According to my original mortgage agreement, a wind policy was not required. Despite this, XXXX XXXX  XXXX applied a wind policy to my account on XX/XX/XXXX, for {$6100.00}. 

2. Duplicate Policy Charges : Two months later, on XX/XX/XXXX, another wind policy charge of {$5900.00} was added to my account. This is perplexing, as typical coverage for such policies spans 12 months. I have not received a satisfactory explanation for this additional charge. 

3. Existing Homeowner Policy : My homeowners insurance policy was actively renewed on XX/XX/XXXX, for {$4300.00}, ensuring there was no lapse in coverage. 

Actions Taken : I have previously contacted XXXX  XXXX to dispute these charges and requested an immediate resolution. Despite my efforts, the company has not provided an adequate explanation or correction. 

The sequence of these charges suggests a potential error or oversight by XXXX  XXXX. I seek your assistance in resolving this matter promptly and ensuring that such unauthorized charges are corrected and reimbursed.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NC)

I had a JPMCB credit card that was closed 2 years ago on XX/XX/2022. JPMCB is still reporting it as if it is still open and it is affecting my credit score. I thought after 2yrs this would no longer be the case. My understanding is that this is illegal.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (GA)

My account has been compromised and my funds are not available in my account or deposits shown on my account suspected fraudulent activity. My social security number is XXXX My card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (NY)

I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX. My identity was stolen and I have made XXXX XXXX XXXX XXXX XXXX  that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.
Consumer complaint received 2023-12-12
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)

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 2024-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This website is not allowing me to attach any documentation, but I have communication from Bank of America if needed and can email it. 

In XXXX of XXXX, I used Bank of America 's Online XXXX XXXX service to send a rent check totaling {$1600.00} to my landlord, XXXX XXXX XXXX. A few weeks later, the property manager advised me that they never received the check. However, it was marked as cashed according to Bank of America. I reached out to them and they said they would need to get a bunch of information from XXXX XXXX, which they provided. Then there was an investigation. In XXXX of this year I received an online message that said that my funds were not able to be recovered because the correct payee did in fact receive my money. XXXX XXXX stands by the fact that they did not and can not find the funds in their accounts. Per BofA 's message, " You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.I requested information from the bank ''. So I requested these documents. Months later, they sent me a copy of the check they originally sent to XXXX XXXX with no endorsement, dates, nothing. At first, I thought this was a mistake. I have requested additional documents three times and every time I ask, they send me the same exact check copy with absolutely no other information. I have been on the phone with them for hours trying to figure this out with no movement forward. At this time, I need to prove to my landlord ( XXXX XXXX ) that they did indeed deposit this check, so I can recover my funds. How am I supposed to do this with absolutely no information besides the check they sent out? This makes no sense. It has gone on for two years and I really need this resolved. Thank you. Case ID : XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-06-07
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXXt XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-20
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. (DE)

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : 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 XXXXXX/XX/XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose.

In light of the clear violations of the law, your agency is required to take the following action : 1. remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information.

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (MI)

Chime ( " financial technology company, not a bank '' ) sent me a debit card via USPS that I did not apply for. I do not have an account with them -- that I opened. I contacted them ( by phone on XX/XX/22 ) to understand why this was sent to me. They proceeded to ask me a lot of questions but never answered my questions about how and when this happened and if there is any other cause for concern ( i.e. was my wife also separately affected? ).
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

> 2 step process is constantly going back into enable mode no matter how many times a day I delete it! The system does not listen to me! 
> I was told to have my account removed to fix the problem, so they said it was removed it but it is still there! My account even shows 2 different passwords! 
> My XXXX has the confirmation of payment, which is her RENT, sent to her email and I need it sent to my email! She can not access my email to get a XXXX XXXX XXXX and I can not access her email to get verification of payment and it takes XXXX  days for it to show on the system which causes me much stress as she is always waiting to the last day to pay her rent! 
> No matter what complaint I have with the problems with my daughter making the mortgage payment, all they say is " we're sorry you are having trouble ''. Problem isn't solved! 
I've had nothing but problems dealing with SLS ever since the beginning and want SLS to sell my mortgage to a physically accessed location in town! ASAP!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 

Please see these accounts are removed from my file at once. 

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. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law.

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Consumer complaint received 2024-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have a restraining order for life under XXXX XXXX XXXX as well as XXXX XXXX I was granted {$250000.00} from Superior Court in XXXX XXXX XXXX XXXX had on the company XXXX XXXX XXXX and work for XXXX XXXX they stole my social security from Wells Fargo Bank in XXXX XXXX California the senior manager gave my lean to her daughter XXXX XXXX XXXX XXXX then I was granted a settlement of {$1.00} XXXX dollars from XXXX the senior manager at Wells Fargo Bank walks my check down the street to XXXX XXXX XXXXXXXX in XXXX XXXX and give it to XXXX XXXX XXXX manager XXXX who works for XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to formally lodge a complaint regarding Capital One Bank 's handling of my checking account and my wifes business account. Despite multiple attempts to resolve these issues through the banks customer service channels, I have been unable to access and use the funds in these accounts, causing significant financial hardship. 

Account Issues : Inaccessible Funds : I am unable to utilize the funds in my checking account via both the Capital One mobile app and website. This includes being unable to transfer funds, send money through XXXX, or conduct any other necessary banking transactions. 
Business Account Blocked : My wifes business account, which she relies on for her XXXX income, has also been blocked. This has prevented her from receiving payments for completed work, severely impacting her business operations and financial stability. 
Failed Resolution Attempts : Branch Visit : I personally visited a Capital One branch seeking a solution. The staff at the branch advised me to call the toll-free customer service number. 
Customer Service Calls : I have called the customer service number twice, detailing the issues each time. During my second call, I spoke with a representative named XXXX, who was not polite and did not resolve the issue. Instead, she strictly demanded the phone number of the person who wrote a check to me and stated that if I did not provide this phone number, she would not unlock the account. She indicated that this situation arose due to the most recent check deposited. I was then transferred to a XXXX named XXXX, who further insisted that I provide the phone number of XXXX XXXX  where the check originated. 
Despite these calls, the problem remains unresolved, and I have received no satisfactory explanation or resolution. 

The inability to access our funds is causing severe distress and financial disruption. We rely on these accounts for both personal and business expenses, and the current situation is causing significant harm. 

I am seeking your urgent assistance to : Investigate and Resolve the Issue : Ensure that Capital One unblocks and restores full access to both accounts immediately, including enabling all functionalities such as fund transfers and XXXX payments. 
Provide a Detailed Explanation : Obtain a thorough explanation from Capital One regarding why these issues occurred and assurances that they will not happen again. 
Compensate for Any Financial Losses : Ensure that any fees incurred or losses due to the inability to access our funds are promptly reimbursed. 
Failure to address this issue immediately will leave me no choice but to pursue further action to protect my financial interests. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this urgent issue. 

Sincerely, XXXX
Consumer complaint received 2023-12-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!