davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, an unauthorized wire transfer {$32000.00} appeared on my saving account. I noticed XXXX around on XXXX and immediately went to local Chase branch to report this. 
On XX/XX/year>, I reported to local police in XXXX, IL with police report attached. 
According to police report, this unauthorized wire transfer was initiated in person in a branch in XXXX IL. 
According to Chase employee, someone with my fake ID went to one of Chase branch and initiated this wire transfer. 
I called Chase on XX/XX/year>. The claim department said they are still investigating the case and can not provide any timeline of when I can get results or my money back. It has been more than 35 days since Chase received my notice. However, Chase neither completes the investigation nor credits my account so far. This is a clear violation of CFR Part 1005 ( Regulation E ) 1005.11 Procedures for resolving errors ( c ) Time limits and extent of investigation Official interpretation of 11 ( c ) Time Limits and Extent of Investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.

( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ;
Consumer complaint received 2024-02-07
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. (GA)

I had unauthorized inquires re-inserted on my credit report after they were removed several months ago. 

I also have an account that is not reporting accurately on my credit report. There is a billing error. I was never late on the XXXX account in XXXX XXXX XXXX is reporting accurately with all payments paid as agreed. While Transunion and XXXX are reporting inaccurately.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-11
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. (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!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is
Consumer complaint received 2024-04-16
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have submitted documentation to Experian multiple times, citing specific Fair Credit Reporting Act ( FCRA ) codes, and filed complaints regarding violations such as inaccurate information and impermissible inquiries on my credit report. However, I have not received any correspondence beyond the required XXXX period for disputes. Specifically, a XXXX XXXX  that has been removed from my XXXX report is still showing on my Experian account as closed but reporting missed payments. Additionally, there are XXXX unidentified hard inquiries that have not been removed from my report, constituting a violation of the FCRA despite my many attempts.
Consumer complaint received 2024-04-16
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ABSOLUTE CREDIT  LLC (PA)

After doing research, this business is not legally licensed to collect in the state of Pennsylvania which is whats needed to be able to collect a debt. Also, this is a medical collection. According to the CFPB, any medical collect that is under {$500.00} isnt legally supposed to be on my credit report and has to be removed. 

In addition, this company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and Absolute Credit LLC is in clear violation. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
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: Shellpoint Partners, LLC (NY)

I was approved for a VA loan and bought my house in XX/XX/year>. Since then, my VA loan has been moved around 3 times. Not only does this lower credit score as my credit history is being shortened without my consent, but it has made building a rapport with my mortgage company impossible. My VA loan is currently managed by Newrez LLC - XXXX, Texas according to my end of year statement and my monthly statement. Since the day my account was originally purchased by them, I do not have online access to my account. I can login but I can not make payments, change any information, access any documents. I login and any link that I click on kicks back an error. I should be able to click on Account Details to bring me to a Dashboard for all the options to service my loan. I have never once been able to access the dashboard. I have emailed IT, called IT, escalated the situation within the company, contacted BBB and repeatedly get the same response. They keep saying the problem is on my end. XXXX. I have tried from multiple devices ie : phone, desktops, laptops, tablets and on multiple networks ie : data, wired, wifi and public access. XXXX. I have found several complaints from other people indicating the same exact problem. As a XXXX XXXX XXXX that earned this loan by deploying to combat for my country, this situation has me devastated. I am offended, sad, and disgusted at this point in time. I don't know where else to turn with this issue. These people have been completely unhelpful, unprofessional and have shown no interest in correcting this issue as it has been this way since day one ( I can't even tell you an exact date as to how long I have been dealing with this because I can not access this information on my account ). Upon receipt of XXXX transcript from XXXX, it indicated if the issue still wasn't resolved to call back. She never answered my calls or called me back again.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FOLLOW UP. I FILED A COMPLAINT XXXX  DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE XXXX  DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; 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. 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 reinvestigated.
Consumer complaint received 2024-02-03
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)

During XXXX I purchased some camera from Walmart Website. When I received them, I realized they were not compatible with my WIFI and also they were not wireless. I requested a return from walmart which was approved. I received a return code XXXX and was told informed to return right away. I was in the process of return the items when I received an email from XXXX stating that they have deactivate my online account and will not be accepting no payments, NO RETURNS, NO transactions from me. They have send that notice without prior notice. Now I am stuck with merchandise unable to use. I reached out to walmart they said once the account is closed they cant do much. They advised that I called my credit card and dispute the transaction which I did. I reached out to capital to dispute the transaction. They provided a temporary credit and took it back. I provided them with the email from Walmart indicating that they are NO longer ACCEPTING returns from me and My account is INACTIVE. CAPITAL ONE will not comply to credit me. I have been with capital one walmart for more than 10 years. I will not pay for merchandise that are not satisfactory. That is XXXX. I dont have that and WILL Not pay that.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

15 USC 1681 ( a ) ( 1 ) ( A ) : The specific provision is part of the introductory section of the FCRA and states the following : ( a ) Accuracy and fairness of credit reporting : ( 1 ) In general : ( A ) Accuracy and fairness of credit reporting : Consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they collect and report about consumers. These agencies play a crucial role in providing credit reports to lenders and other entities, and this provision emphasizes the importance of accuracy and fairness in the information they compile.

Practical Implications : Accuracy Requirements : Consumer reporting agencies are required to take steps to ensure that the information they report about consumers is accurate and up-to-date.

Fairness Requirements : In addition to accuracy, the FCRA emphasizes the importance of fairness in credit reporting. This includes ensuring that reported information is not only accurate but also fair and just in its representation of a consumer 's creditworthiness.

Consumer Rights : Consumers have certain rights under the FCRA, including the right to dispute inaccurate information on their credit reports. If inaccuracies are identified, the consumer reporting agency must investigate and correct them.

Responsibilities of Consumer Reporting Agencies : This provision places a responsibility on consumer reporting agencies to establish and maintain procedures that reasonably ensure the accuracy and fairness of the credit information they handle.

It's important for consumers to be aware of their rights under the FCRA and to review their credit reports regularly for accuracy. If inaccuracies are found, they have the right to dispute and seek corrections. Additionally, the FCRA imposes obligations on consumer reporting agencies to handle information in a manner that is both accurate and fair to consumers.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 and XX/XX/2021 I sent some letters regarding inaccurates and unknown things on my credit report. this is over 30 days I have not received a response yet they not follow the guidelines I feel being ignored by my disputes. section 611 ( a ). it is plainly stated that failure to investigate these items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately OR I will file for ligations
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (AL)

In reference to complaint XXXX Truist bank opened my account and closed it then sent me a letter saying I will receive funds in 30 days that was XX/XX/2023 I did not receive any checks from the bank I called was told check was sent on XXXX and no one was home. 
I asked for it to be sent again. 
I called on XX/XX/XXXX I called on XXXX I called on XX/XX/XXXX I called XX/XX/XXXX I called XX/XX/XXXX Same response we will tell fraud dep to resend the check. 
I dont understand is it Truist habit to keep other peoples money? 
If the letter is returned isnt the bank supposed to send it again?
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (AZ)

US bank gave me a debit card that got stolen from me in a armed robbery and the fees I got charged were insane. I was billed the max overdraft for this debit card and US bank is declining my dispute even though I disputed it with them. I have so many bank accounts that got stolen its hard to keep track. XXXX XXXX  is also refusing my dispute after I filed a dispute for being a victim in an armed robbery and won't change any information on my account and wants me to pay cash for the money they put in a pooled online vault to collect interest with billions of other people pooled into the same vault just like US bank. US bank and XXXX XXXX  keep sending me debt collection for the accounts that I have disputed for being a victim in an armed robbery and refuse to approve my dispute despite the fact they have been using my money in a pooled fund that collects interest so big that it breaks the economy.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 ; EQUIFAX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-16
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. (NJ)

I sent the credit bureaus a letter asking them to REMOVE this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly DELETE the following ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX