davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received waves garnishment notification from my employer for dead I did not accrue I was never served for the court arraignment per Illinois state law I'm not responsible for this debt and I also could have this overturning Court due to not properly being served for the summons. I was advised to go through the FTC or complaint hotline or website first to resolve it rather than going through a whole another litigation process due to fraudulent actions taking place through XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (OK)

I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.
Consumer complaint received 2024-03-27
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 EXPERIAN XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc. (PA)

To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, XXXX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account numberXXXX
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (NY)

There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. 
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 All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. 
There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX There have been many mispelling of my name. 
Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. 
Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX correct my credit reports
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX Purchase was made. Product was never shipped or received. Order was canceled in XX/XX/XXXX. Have email to support. 

XX/XX/XXXX that product is being charged against my checking acct again. 

Unable to reach any representatives that know how to fix the problem. also they do not know how to set up a fraud complaint. 
I have {$1100.00} being taken from my checking acct without authorization.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Chase has closed my Credit Card Account and can not open another account with them in the future. The letter said this was due to unexpected activity on this account or another chase account. This was my only Account with Chase and I only used it for Amazon.com purchases as that was why I got this card about 6+ years ago. I always paid my bill in full every month and did not have missing payments. I called Chase to find out what happened few times and they would not give me an answer on why it was shut down and nothing could be done. I tried to ask for a phone number, I could call to find out, but they said they can't.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I am a victim of identity theft and this complaint contains new information from any and all previous disputes or complaints. Upon review I discovered a checking and savings account opened in my name at XXXX XXXX XXXX I did not open or use these accounts. Previously I was told that these accounts were opened in person but new information provided to me by the bank confirmed these accounts were opened online. Chexsystems is reporting these accounts as account abuse on my chexsystems report however these accounts do not belong to me and the new information that these accounts were opened online requires a new investigation by chexsystems. I reached out to chexsystems and was unable to speak to anyone.
Consumer complaint received 2023-12-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (GA)

Georgia Homeowner Assistance Fund/ ( GA HAF ) reached out to Mr. Cooper on XXXX XX/XX/2023 for mortgage validation. GA HAF has not received a response to their inquiry from Mr. Cooper for ( loan number XXXX ). Validation of our mortgage with the GA HAF would bring our mortgage account to current and non delinquent if approved.
Consumer complaint received 2024-01-01
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: EQUIFAX, INC. (MO)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

Thank you,
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and TransUnion show 14 late payments for my student loans with the Department of EducationXXXX XXXX XXXX XXXX and XXXX of XXXX. I have contacted XXXX to verify and correct this information and have been advised that no late payments are being reported. I have also submitted several dispute letters to the credit bureaus, which have been unsuccessful in getting this matter corrected.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion, XXXX, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY!

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

The FDIC gave XXXX XXXX XXXX a consent order in 2023 saying the bank participated in unsafe and unsound banking practices relating to fair lending laws and XXXX XXXX XXXX failed to establish and maintain internal controls, information systems, and prudent credit underwriting practices ''. I am a VICTIM of these unsafe and unsound lending practices. This account is not mine and needs to be removed ASAP. 

I have attached the FTC identity theft report here. I have notified BOTH XXXX  AND XXXX multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. 

Both XXXX and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-08-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from " XXXX XXXX '' who requested a logo design from me. I charged him {$500.00} for my service and he wanted to send me a mobile check for payment through email. He sent me a check of {$1300.00} and said that I keep {$280.00} as down payment, while I send the remaining {$1000.00} to the " printing representative '' through XXXX. He called me 5 times on Wednesday XX/XX/XXXX to make sure I received his check through email. He called me XXXX  times again on Thursday XX/XX/XXXX to make sure I send the " printing representative '' the {$1000.00} through XXXX. He wanted me to send screenshots of all the confirmation pages that I deposited the check and sent the money through XXXX. I deposited the check, sent {$1000.00} to " XXXX XXXX '' through XXXX, then found that the check was rejected. The scammer took {$1000.00} from me and I am in extreme debt. It is now Sunday XX/XX/XXXX and I received another email from XXXX with the email subject line " Birthday Invitation Designer / Service Needed. '' I believe this is the same scammer from the first email. I don't know who he is, because he used multiple names : XXXX XXXX, XXXX XXXX XXXX on the mobile check ), XXXX XXXX ( printer lady ), and XXXX XXXX. Here is XXXX of the emails he sent me in our first conversation : Email subject line : Payment for the project XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XXXX  days ago ) to me Hello, Please find the PDF file as a copy of the payment check. Proceed to the deposit process and get back to me with confirmation once it's completed. NOTE : I prepared a payment check of {$1300.00} in total and below is the breakdown of funds ; * {$250.00} as a deposit for the project. * {$30.00} bonus for you. * {$1000.00} for the printer lady. Download the check file and open the images on your computer. After which you will carefully capture the XXXX Edges of the check using the Mobile check deposit option on your Mobile Banking App, and the payment will be processed automatically. Kindly share the screenshot image of the deposit confirmation page once completed. Regards, XXXX
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (ID)

I made in app purchase on my XXXX for 7days of credits that were to be awarded. I never received anything. I contacted the app support and went in circles. I then contacted XXXX to dispute the charges and every single one was denied. I now went to Chime bank to dispute and they say a DECISION will be made by XX/XX/XXXX! I never received any of the charges! I have over {$250.00} that each company refuses to refund! 
XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$33.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$38.00} and XX/XX/XXXX {$23.00} and XX/XX/XXXX {$6.00} XX/XX/XXXX {$31.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$27.00} I contacted the app support on XX/XX/XXXX and after for all charges as they were to be a 7 days process. The reward selected would disappear and not show up ever. There are technical issues constantly and the app usually send a message with credits however when I complained at the numerous missing credits they made excuse after excuse and said check keep C
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024, I discovered fraudulent activity on my credit report involving accounts purportedly associated with JPMCB Card Chase Bank. These accounts were opened without my knowledge or consent, indicating potential identity theft. 

Upon noticing these discrepancies, I immediately took action by contacting the credit reporting agency to dispute the fraudulent accounts. I provided detailed information regarding the accounts in question, including their names, account numbers, and associated dates. 

Furthermore, I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to address this issue. I have provided supporting documentation, such as an identity theft report from FTC.GOV, to substantiate my claim of identity theft and request the removal of these fraudulent accounts from my credit report. 

Despite my efforts, the fraudulent accounts remain on my credit report, adversely affecting my creditworthiness and financial standing. As a consumer, I am entitled to accurate reporting of information on my credit file, as mandated by relevant sections of the United States Code, Title 15. 

I seek a swift resolution to this matter and request the immediate removal of the fraudulent accounts from my credit report in accordance with the FCRA and applicable federal regulations. 

Thank you for your attention to this urgent matter. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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