davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
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: Experian Information Solutions Inc. (TN)

Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the Experian, XXXX and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : EXPERIAN : XXXX XXXX XXXX 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 2023-07-08
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: JPMORGAN CHASE & CO. (DE)

A mail forward with USPS was placed in my name ( online ) and multiple accounts ( credit cards, loan, business loan ) were opened in my name through JP Morgan Chase. The activity started in XX/XX/XXXX and continued until XX/XX/XXXX. I received no correspondence and had no knowledge of these accounts until they were in default.
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I am not liable for these debts ( attached ) with these collections company. I've reached out to each one of these companies numerous times for a contract between them and me. They've yet to reach out to me with a signed contract between myself and them. I do NOT have a signed contract with these companies. They're invading my privacy! Correction to my credit report, I demand that these fraudulent/inaccurate accounts be removed from my credit report IMMEDIATELY. 

Thank You! 
XXXX XXXX
Consumer complaint received 2022-12-07
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. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the Compass Accounts XXXX & XXXX compass gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working compass number where no one responds to call or voicemails.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NY)

My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I kindly requested that the companys verify the provided information Ive provided them and update my personal information records accordingly. Additionally, I requested them to uplift and remove any block for promotional purposes and the legislative security freeze on my credit report..And companys did nothing that was asked of them
Consumer complaint received 2023-12-05
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: WELLS FARGO & COMPANY (MA)

I'm trying to buy another home and realized I have damages on my credit report. According to the 15 USC 1681 law, there should not be any damages to your credit, and is defamation of my character.
Consumer complaint received 2023-05-03
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. (TX)

In accordance with the fair credit Reporting Act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). BANK OF AMERICA is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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. (NC)

This is my 17th 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WV)

On XX/XX/2018, I submitted a payment to XXXX XXXX in the amount of {$460.00}, which is the required monthly amount, from my XXXX XXXX XXXX XXXX. I submitted this payment, despite the fact that my XXXX payment had not posted, and would not post until XX/XX/2018. The payment for XXXX would be due on XX/XX/2018. This payment was made 5 weeks before the due date. I was informed when I contacted XXXX throughout the month of XXXX, and most recently on XX/XX/2018, that the following was the series of events. I was informed by XXXX agents that XXXX, after receiving the payment request, contacted XXXX XXXX to inquire as to whether I had an account with them, as per their normal procedure. This request for confirmation was received by XXXX XXXX on XX/XX/2018. As per XXXX XXXX 's internal policies, this request for confirmation was to be responded to within 7-10 business days. I was informed when I contacted XXXX at the end of XXXX, that this confirmation had not been returned to XXXX by XXXX until approximately XX/XX/2018, which was eleven days after it was initially received. Due to this failure on XXXX 's part, the payment was not submitted in time by XXXX to cover my XXXX payment. On XX/XX/2018, I contacted XXXX XXXX and was informed that the payment had been received, and that I would not need to make any additional payments. I was assured that once the payment had been processed, it would be applied to my account, retroactively, to XX/XX/2018. Today, XX/XX/2018, I received correspondence stating that no payment had been received, but that some payment had been applied to XXXX. 

While trying to deal with this issue, I did make an additional payment for XXXX on XX/XX/2018, in the hope that it would be processed before my payment due date on XX/XX/2018. Given the contradictory information XXXX has provided, I am demanding that the two payments I have made, dated XX/XX/2018, be applied to XXXX, and that the payment I authorized on XX/XX/2018, be applied to XXXX. This is not a new issue, as evidence by my previous complaints. I demand that these payments be made, and applied to my account immediately.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (OH)

company 's reporting charge offs. charge offs are considered certificates of indebtedness and certificate of indebteness are considered income. Any financial institution that forgives or writes off {$600.00} or more of a debt 's principal ( the amount not attributable to interest or fees ) must send you and the IRS a Form 1099-C at the end of the tax year.
Consumer complaint received 2023-10-09
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. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 USC 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

My credit report or credit history score is being ignored. I have had credit before with bank and approve credits, Paying interest just to create credit score. I have checked my score with XXXX XXXX, being fair. Lately my application for credit card ( XXXX ) was checked with Equifax being denied. Other loan companies tell me I dont seems to have score. How can I maintain or create more credit history? 
Companies like Equifax deny credit based on not having credit history. But this is not my case any more. 
I had to cancel previous credit card with XXXX XXXX due to that bank didnt seem able to activate the card. Not because of me
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IA)

Chase Bank closed my checking account after they were unable to verify a check in late XXXX. 

I had called several times to remedy the situation prior to the closing and after. They weren't able to get the check writers contact information correct in their system to be able to verify the authenticity of the check. 

They pulled the funds out of the check writers account and have proceeded to hold my funds XXXX since XXXX. 
On XX/XX/XXXX I went to the chase bank in XXXX  XXXX Iowa and asked for a copy of all of my banking statements, and they were able to provide me with them. 
I also asked to follow up on the account hold. After making a phone call they were still unable to clear the hold on my funds. The branch manager said that even if I were to bring the person who wrote my check into the office they would still not be able to release the funds due to their verification process. They did state that in a year or two they would release the funds to the state to return them to me.
Consumer complaint received 2023-10-09
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. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 USC 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (MD)

It happened again, this time, for the first time ever, I received a statement in the mail saying I owed them {$110.00}! After I have paid them {$69.00}. 

They are exploitive and frauds. 

No routine credit card purchases has ever been made and this must involve fees of some sort.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018 the company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX. Located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Took out {$900.00} dollars from my XXXX XXXX XXXXXXXX account. When contacting them they said it was for a Credit Card from XXXX   from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.