davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/27 there were three unknown pending transaction on my account : 1XXXX XXXX XXXX  for {$4000.00} from XXXX CA XXXX 2- XXXX XXXX XXXX XXXX  for {$710.00} 3- XXXX XXXX XXXX XXXX for {$710.00} The transaction were reported to the bank while they were in pending status, we told them the transaction weren't made by us or anyone we know. 
They open a claim, we were told it could take up to 10 business days to resolve. 
On the 10th business day of the claim we got a letter email that said that the findings on our claims show no error on our account and that the claim was close and it can not be reopened. 
We call the bank right away and ask about the investigation and we were told that information cant be shared, that it needs to be requested to a different department. 
We finally were able to get to the right person and requested proof of the investigation but were told it can take up to 30 days to get it. 
Its been 18 days since our money was taken from our accounts a total {$5400.00} that were missing, the bank never call us back.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-25
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. (NY)

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by Chase Bank. Specifically, I have been reported as delinquent by Chase Bank, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by Chase Bank, as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy.

Furthermore, per 15 USC 1666b, a creditor such as Chase Bank is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by Chase Bank 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-09
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: AMERICAN HONDA FINANCE CORP (NY)

I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN HONDA FINANCIAL. some of them more than once.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Called XX/XX/23, was advised to pay {$230.00} to bring account to current, then transferred to a supervisor who confirmed the amount. I advised that I was requesting for fee 's to be waived but was refused then the rep told me that the account appears to be set to close regardless of the payment. She was not able to confirm so they transferred me to an account manager who happens to be the collections department who wasn't able to figure out if my account was going to close or not with the payment but then the payment was {$230.00} not {$230.00} as first advised. After the last person checked it was discovered that citibank was indeed closing the account in XXXX.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

There is an issue with a transaction on my Amex Platinum ending XXXX that I have brought to American Express ' attention several times, most recent being on XX/XX/2024. The transaction is {$3700.00} charge from XXXX and reference is XXXX. I have made it clear to American Express that the charge is unauthorized, made with someone else 's XXXX account with my card details accidentally saved on a former employer 's PC. Luckily whatever order was made ( I think, since I don't have receipt from XXXX and they do not work with me since I am not the account owner or purchaser ) was delivered to my address ( although under wrong name ) and I was able to return the whole thing to XXXX, which I have also demonstrated to American Express and they've even acknowledged the fact that I did indeed return the goods. Regardless of the issues, Amex has been unwilling to fix the issue and they keep calling me that more information is required, but whenever I call back ( XXXX ext XXXX ), nobody picks up the phone even though it is during normal business hours.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MCU Holdings, LLC (NY)

IT WAS STOLEN XXXX MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH THESE XXXX COMPANIES XXXX XXXX MCU HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT HAS ALREADY BEEN REPORTING TO THE POLICE DEPARTMENT FOR FRAUD.
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

making advance payments to my contractor ( XXXX XXXX ) prior to work being completed, permits taken, inspections passing and XXXX. My lender also did not do their due diligence PRIOR to paying the contractor. Now Dividend Finance is trying to put a lien on my house and demanding payments. 
There were many violations that XXXX XXXX violated and was obvious to Dividend Finance. I emailed Dividend Finance informing them that the panels were not properly installed and they ignored me. I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone ( per loan contract ) and any documentation giving Dividend Finance permission to pay XXXX XXXX in advance without my consent. I also asked for documentation giving Dividend Finance authority to accept loan payments from XXXX XXXX on my behalf. ''
Consumer complaint received 2024-04-06
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid. 

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have reached out to XXXX, Equifax, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these 3 account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit profile
Consumer complaint received 2024-01-08
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. (MO)

EQUIFAX is not reporting my information to MyFico and it is hurting me. I am not able to get my credit limit raised, new credit cards, a home loan, and more. This is running my mental health into the ground. I can not work with these people. They never answer my letters or my calls either.
Consumer complaint received 2022-12-19
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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. (TX)

XXXX XXXX reporting inaccurately with a XX/XX/2023 late payment. Per XXXX XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (GA)

I spoke with this company requesting a copy of original agreement, a copy of payments that was made on this account a copy of how and when they obtained this account a written notice of why this account from them has been placed on my credit report I was told they dont care what I say it on my credit and my score will and is being affected and they the next step is they will see me in court she laughed called me out my name and stated she will call everyday for a year and also notify my employer how I dont pay my bills
Consumer complaint received 2022-12-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I filed a motion to compel the foreclosing purported claimant XXXX XXXX XXXX , XXXX XXXX, as Trustee for a securitized REMIC trust, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX '' to produce the original " wet ink '' Note in my XXXX  XXXX U.S. Bankruptcy Court proceeding, case XXXX XXXX XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXX in XXXX, Massachusetts, on XX/XX/XXXX. 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX on XX/XX/XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

Payoff of the mortgage amount was made XXXX XXXX, XXXX. Taxes and insurance on the property were escrowed. In the settlement statement escrow balances were omitted from the statement. On XX/XX/XXXX, we paid directly the real estate taxes of {$11000.00}. Mortgage company had not sent escrow statements or calculations for several years. In addition, we had never received account statements for several years. These were requested multiple times over this several years. Without response. Statements were not available for our account or escrow account online. However monthly we had made our payments timely online. We had hired a law office XX/XX/XXXX of XXXX  as the mortgage servicing company Bayview loan servicing which became Community loan servicing in Florida, would never respond to any types of communication although communication to the loan servicing entities had been constant and consistent. For many years we had continued problems with the loan servicing company of various types. According to our attorney, The loan servicing company had violated several state and federal laws. Eventually, we paid off the loan which unfortunately cured much of the loan servicing company 's violations. The last matter became the escrow accounts which they refused to communicate upon. At this time we hope that your communication will accomplish a response with regard to what we believe is a XXXX to {$15000.00} matter in escrow that no accounting was given.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

In XXXX XXXX XXXX there were 2 Fraudulent Charges on my Chase XXXX Credit Card from the Company named " XXXX  ''. I did not notice these charges immediately, and I admit I wasn't managing my account like I needed to. I had no purchase Alerts or Fraud Alerts set on my account, but was just paying monthly bills and trying to build business credit. In XXXX of 2023 I noticed the 2 Fraudulent Charges in the amount of XXXX, and XXXX totaling XXXX. I called Chase and said these charges were fraudulent, and Chase later told me that I did not report these in the correct number of months, so they assumed I had a previous relationship with this Client. I have contacted my Local Police Department at XXXX, and they will be giving me a Report # once Chase has given me a final decision. The case has been opened up again per a representative that I talked with this morning from Chase Bank. I would please like the XXXX reversed back into my Card account as a Credit and not a purchase. I would like original documentation and signatures provided for proof.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. Self Financial/LEAD BANK Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. XXXX  Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX