davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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)

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2020-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Ok XXXX a company I dealt with briefly disputed a transaction I said was unauthorized. The bank on several occasions have referred to me as a liar, saying they refunded me, etc. XXXX simply wanted to know what happened to the transfer they sent me because Chase closed my debit card. The customer service representative at the branch and over the phone said this account is closed. That's what the notes said. I Never authorized them to close my account. XXXX was trying to make right what was an error on their end. Chase removed {$760.00} from me saying the merchant had paid me. No boo boo ... look at the dates of the email and my statements. Chase is dead wrong. I have had nothing but problems with them. Nightmare. Everyweek it's something new. XXXX is not lying because I have proof that it was sent. So where is my money???
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I am writing to address a matter of utmost concern to JPMCB CARD regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2023-09-23
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (TX)

This was a scam calling about getting a prepaid PayPal account caught up saying we were behind went down and bought a gift card and XXXX gift card to give to them. It was all a scam. We found out later been on the phone with XXXX support they created a case, they said Im gon na need to get some type of report or number to give to them. We immediately stopped. The gift card has not been used yet, but the funds are still on there but unable to retrieve them if theres any questions please feel free to call me at XXXX.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This is based off my prior complaint with Bank of America that is closed. I am aware that they are to respond in writing, and they never did. They left me a voicemail asking me to call them back. This is not acceptable and I believe they know that. I believe they are breaking laws here.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (IL)

I am writing to file a complaint against Spring Oaks Capital LLC regarding their repeated calls and mailed correspondence in relation to a debt they claim I owe. Despite my efforts to resolve this matter through two separate dispute letters requesting verification of the debt, Spring Oaks Capital LLC has failed to provide any evidence to support their claim. 

The debt in question, allegedly amounting to {$570.00}, is purportedly owed to XXXX XXXX XXXX. However, Spring Oaks Capital LLC has not provided any contractual agreements bearing my signature, nor have they presented my Social Security Number or the correct address associated with the debt they claim I owe. These blatant discrepancies raise serious concerns regarding the legitimacy and accuracy of this debt. 

As a consumer, I have the right to request validation and proof of the debt 's validity. It is disconcerting that Spring Oaks Capital LLC has disregarded both my previous dispute letters and my right to obtain this information. This failure to verify the debt creates an unfair burden on my financial standing and negatively impacts my credit report without sufficient justification. 

Therefore, I kindly request your assistance in urging Spring Oaks Capital LLC to either provide substantial evidence proving the debt 's validity, including any legally binding agreements bearing my signature, or to immediately remove the disputed debt from my credit report. 

I believe that Spring Oaks Capital LLC 's unjustified persistence in pursuing an unverified debt goes against the regulations set forth by the Fair Debt Collection Practices Act. I trust in the Consumer Financial Protection Bureau 's dedication to consumer protection and their commitment to ensuring fair and ethical practices within the financial industry. 

Enclosed with this complaint, you will find copies of my previous dispute letters sent to Spring Oaks Capital LLC. I also authorize the Consumer Financial Protection Bureau to act as my representative in investigating this matter and to take the appropriate actions against Spring Oaks Capital LLC, in case their practices are found to be in violation of the aforementioned act. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this dispute that will safeguard my rights as a consumer and protect my financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to file a formal complaint against Capital One for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX XXXX And XXXX ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, Capital One has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additional obligations on furnishers of information, such as Capital One, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, Capital One has failed to fulfill their obligations under this section of the FCRA.

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Capital one 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on Capital One for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Consumer complaint received 2023-04-24
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: DISCOVER BANK (IL)

I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

ive just received my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, as well as fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : 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  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.
Consumer complaint received 2024-04-17
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024 I made a claim that there were multiple charges on my account that I did not make with Capital One credit card ( XXXX card ). I've noticed a lot of charges that were not mine and called Capital One to have this matter resolved as soon as possible. 
During that time I was not in the area in which these charges were made - the last known charge in which was mine was on XX/XX/2024 with the merchant XXXX XXXX XXXX XXXX XXXX for {$40.00}. I stated to them that I did not have my card physically and when I found out I called them immediately after the fact to have the card replaced. The places in which the fraud charges were made in areas I do not ever visit ( XXXXXXXX XXXX XXXX etc  ). 

I have attached the initial fraud acknowledgment letter for all fraud charges that were not mine. 

The company so far has rejected my fraud claim and placed all fraud charges back on my card.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (OK)

I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( EXETER FINANCE ) in which I was promised that the settlement agreement would be signed by Exeter finance. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of 120 questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from Exeter finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't Exeter Finance signed the settlement agreement that was sent to me through DocuSign? I was promised that after payment Exeter Finance will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like Exeter Finance Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXXXXXX XXXX My questions are fair in the debt disclosure letter and proof of claims letter. However, you/EXETERFINANCE STAFF insulting response TO MY 120 QUESTIONS was " EXTER FINANCE IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM EXETER FINANCE. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS PLEASE CALL ME AT XXXX
Consumer complaint received 2023-08-27
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: EQUIFAX, INC. (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX XXXX on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to XXXX and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in https XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX Dear American Express I applied for an american express platinum credit card on XX/XX/2023 and got denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal credit Opportunity Act and Consumer Credit Protection Act. 

Since you are denying me access to my credit, please retract my application. 

Thank you,
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Northern Trust Company, The (IL)

This grumbling to NORTHERN TRUST was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2023-08-15
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2015-09-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.