davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/ XXXX XX/XX/XXXX  XXXX  XXXX XXXX  XXXX
Consumer complaint received 2024-04-03
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. (NY)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth 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 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 2023-06-22
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. (WA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, Account : XXXX from 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 1692b acquisition of location information by debt collectors.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a claim last week for unauthorized card use that was denied. I dont feel as if a thorough investigation was completed. Someone used my card at a hotel. If they check the cameras Im sure they would see its not me. I will be filing a police report as this has thrown me into an awful financial position and displaced me from my living situation.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (DC)

XXXX XXXX I, XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a Citi Bank credit card. I spoke with Citi Bank over the phone two years ago, and Citi Bank ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with Citi Bank again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. XXXX XXXX I, XXXX refuses to remove the account from my credit report and refuses to do a three-way call with Citi Bank 's customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (KY)

Today ( XX/XX/XXXX  ) I received notification through the US Mail that my mortgage loan with XXXX XXXX XXXX was being transferred to Mr. Cooper. The name alone inspires fear. I understand that Mr. Cooper had 15 days before XX/XX/XXXX to make contact with me before the date of the next payment due date which is XX/XX/XXXX. To my knowledge, this company has failed in its due diligence as of XX/XX/.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a new chase checking account with a promotion to get {$300.00} bonus. I did met requirement for a direct deposit. I had many direct deposit starting from XX/XX/29 That is classified correctly by chase system as direct deposit that why, I also not getting any monthly fees for maintenance. It is also clearly mentioned on chase monthly statement that I am getting {$520.00} direct depot in XXXX and for subsequent months and because of that no monthly fees was charged to me and that is mentioned clearly in statement. I am attaching a copy of statement showing that information. But Chase refused to give me {$300.00} bonus claiming that those were not direct deposit, even though chase statement itself clearly mentioned that I have direct deposit which waived my monthly fees. This is bait and switch by chase bank and completely breaking there term of account opening for bonus. I have wasted many hours on phone and following with chase on this issue. I would like chase to give me {$300.00} promotional credit account that I am eligible for and additional {$1000.00} for all the time I have spent on following up this issue plus mental stress it has caused to me. 


Thanks XXXX
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, Experian has violated my rights. I do not authorize these negative accounts to be added to my report : XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX account number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   XXXX   XXXX    .
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to lodge a formal complaint about the interest charges that have been imposed on my credit card account. Since XX/XX/XXXX, I have been charged interest fees each month without any resolution. I have contacted Capital One Bank regarding these charges but have been given unsatisfactory answers and told that they were caused by a cash advance transaction made by the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. However, I do not have the cash advance option on my credit card, nor have I ever been provided with a PIN for cash advance services from Capital One Bank. When I tried to withdraw cash from my Capital One Credit Card, the ATM did not authorize me to withdraw cash as I did not have the required PIN. Despite my repeated attempts to bring this issue to their attention, I have not received a satisfactory response or resolution. 

Below is the list of the interest fees that have been charged to my account each month. 
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} These charges are unjustified and unfair, and I do not believe that I should be held responsible for them as I never authorized the cash advance transaction in question. I have spoken with a customer service agent who informed me that the XXXX processed the transaction as a cash advance transaction and that Capital One Bank can not dispute the charges. However, I believe that Capital One Bank should take responsibility for the charges and resolve this issue as soon as possible. 

I am extremely disappointed with the level of service that I have received from Capital One Bank, and I request that this matter be resolved at your earliest convenience. I would appreciate your assistance in this matter!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and Equifax XXXX XXXX XXXX has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review XXXX is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

Equifax also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via USPS until 10 days later and when I spoke with Equifax regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from Equifax was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at all!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paradigm Assets, LLC (DC)

JHPDE Finance I , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a XXXX XXXX credit card. I spoke with XXXXXXXX XXXX  over the phone two years ago, and XXXX XXXX ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with XXXX XXXX  again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. JHPDE Finance I , LLC refuses to remove the account from my credit report and refuses to do a three-way call with XXXX XXXX XXXX customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

RE : XXXX In accordance to 15 USC 1681 ( 7 ). 1 requested to see the description of what happened during the reivestigation. What was the method of verification was used. The company name, name of person, title, phone number conducting the investigation. I never received any copies of documentation during the 15 days. The Credit Reporting Agencies have to conduct a personal interview with family members, neighbors and friends in order to validate any debt by FCRA law. The Credit Reporting Agencies can not rely on information from a third-party that do not have first hand knowledge of transaction on report. None of the Credit Reporting Agencies did not call me or send me a letter to validate these debts. Which is another violation of the FCRA law. Company law does not Trump Federal law. The Credit Reporting Agencies is not adhering to the FCRA laws. I have sent in everything possible and they are still ignoring me.
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

A hard pull by jp Morgan Chase financial institution Account XXXX was opened in direct violation of united states code title 16 unlimited credit access to credit section 1667 ( b ) which is in direct violation of my United States Constitutiona right of liberty .I discovered that a data breach was reported on my character XXXX XXXX ss # _ _ XXXX through XXXX XXXX  a partner company of XXXX  service phone # XXXX I contacted my phone care service to only be charged more debt a malicious injury to my privacy..
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NJ)

I got an email to pay my first payment and I clicked on the link and my account number I gave to the underwriting department at closing was already in there and I clicked to make my payment. Three days later it said the payment was returned. I was not sure why I made it again and it again bounced. I then made sure the account number was correct and it was not, so I tried to override it, and I thought the payment went through and posted and four days later is bounced again, as I was not allowed to override my account # since the original wrong account number was put in by their department. I then called to the customer service department to speak with a supervisor, and that is when she looked and saw the number in their system was wrong as I gave the correct account number. I was then and only then able to make my payment. They then reported it late even though it was their error and I called numerous times to correct.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CCS Financial Services, Inc. (TN)

On XXXX XXXX XXXX I received an email stating that this account ending in This account XXXX XXXX with CCS Collections has been verified. I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. The company CCS Collections stated in there response to an earlier complaint that the did were not able to identify the account, however the company did not hesitate to add this to my credit report ( s ). I have attached a copy of the reinvestigation that was done by XXXX and the company is aware that there is an active dispute with XXXX. I have requested that a copy of the aforementioned documents to help me understand the validity of this debt.