davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

under Fair Credit Reporting Act. The accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. Account name : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX COMMUNITY Account # XXXX XXXX. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1861 Section 604 A Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions.

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 2023-08-16
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. (CA)

My identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is XXXX.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, 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. (TX)

Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them
Consumer complaint received 2023-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (TX)

A company called DCM Services , LLC, called me on an unsolicited basis at XXXX CT on XX/XX/2023 and again at XXXX on XX/XX/2023 from the phone number ( XXXX ) XXXX. Then, the same company sent a letter in the mail via USPS ( included with this complaint ) making the same generic inquiry looking for the " person who is authorized to act on behalf of [ my recently-deceased spouse ] ''. However, no context was given, and no detail of any potential debt was provided. Based on these unwanted correspondences, it seems this company is fishing for estate information for some unstated reasons. The decased has no outstanding debts. We do not feel comfortable providing this company with any information, since the purpose of their outreach has been non-specific in nature.
Consumer complaint received 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I got a Rocket Mortgage loan ( Loan number XXXX ). During the application process, the representative promised discounts and rebates totaling about {$8000.00}. The discounts were not on the loan documents but the representative stated the discounts do not show up since the rebate check will be sent separately. Therefore, I signed the estimates. 

Few days before closing date, Rocket Mortgage representatives state the discounts can not be honored. It was too late for me to walk away so in order to keep the house and the interest rate which I had locked in, I kept the closing and had to close and lose {$8000.00} in discounts. This was a clear case of breach of contract and bait and switch fraud. 

Rocket Mortgage offered me a check of around {$2400.00} to make up for it. I took it but filed a lawsuit for the remaining portion. They offered another {$2400.00} to settle the case, but I did not take it because it is not the full amount. 

I filed a lawsuit and lost due to lack of evidence. I appealed and all the text messages, emails which showed multiple rocket mortgage representatives promising the discounts helped me to win the case. The judge agreed that there was fraud here and granted me the remaining promised amounts. 

While this is a victory for me, my goal is to start an investigation into other customers accounts to see if other people also had to agree to paying higher fees or lost out on discounts few days before the signing of closing forms due to Rocket Mortgage 's breach of contract/bait and switch tactic.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a business account with Capital One Bank ending XXXX with XXXX # XXXX by the business name XXXX XXXX XXXX XXXX 
In XX/XX/XXXX, Capital One Bank suddenly closed the business account without notice to me. 
After following up the matter with Capital One and making more than 20 calls for the close out money to be refunded, on Monday XXXXXXXX XXXX XXXX, Capital One Supervisor XXXX XXXX informed me that Capital One will not pay the {$970.00} and will not issue any close out check to me. 
At one point in XX/XX/XXXX, Capital One issued the close out check and then placed a block on the check without informing me of any reason, and so when I presented the check to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Maryland, it was later returned with the text : Return to Maker.. 
Thank you.
Consumer complaint received 2023-11-28
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. (NC)

After sending the FTC report of identity theft in XXXX, XXXX, XXXX, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2023 saying that they are refusing to remove the collection for XXXX at XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit as well as the XXXX at XXXX. I attempted to file a police report but they said I have to do it in person from the place I resided when the incident occurred but I do not reside there anymore. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes Equifax, XXXX, XXXX an accessory and conspiracy to racketeering.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

Equifax does not report information in a timely manner. In the month of XX/XX/2023, they have XXXX XXXX  on my consumer report ( credit report ). So, this means they providing false information to any person that looks at my consumer report. This has to be against the Fair Credit Act. They are supposed to get the consumer report accurate and fair.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of the XXXX data breach and I also have inaccurate items listed on my credit reports. My reports are required to be 100 % accurate, but they are not and this is hurting my reputation with the banking system. I am looking to get a mortgage and this is hurting my chances because I have inaccurate and incorrect items on my credit report as well as unauthorized inquiries on my report. I need this removed immediately. I sent Transunion, XXXX, and XXXX letters more than 30 days ago and they disregarded my disputes. I demand you remove the disputed items immediately
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (AR)

I am submitting this CFPB Complaint to request to dispute information on my credit report that is not accurate. The information in question only appears on Equifax Credit Bureaus report as Late. However, the same account is not reporting as Late on my other credit reports. As per the Fair Credit Reporting Act ( FCRA ), all reported account information must be accurate, and I expect your bureau to comply with this requirement. The mistake in reporting Late payments is negatively impacting my credit score and is misleading to anyone who reviews my credit report. Therefore, I request that you update this account immediately and remove any reference to Late payments. It is clear that this account should have never been mistakenly reported had your record keeping been accurate and up-to-date. I need the following accounts reporting inaccurate information corrected and udpated as soon as possible : XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$530.00}. I have attached documentation that supports my dispute and request that you thoroughly investigate this matter. Please inform me of the results of your investigation as soon as possible.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MI)

I have two charges for flights that were cancelled due to COVID. In both cases, the airline has agreed to give me a refund, and in both cases a refund has not come through. Below are the details of the charges. 

XXXX - Flight booked XX/XX/XXXX for {$140.00}. Flight departure date : XX/XX/XXXX, XXXX flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX the refund has not been granted. Chase will not assist with the refund. 

XXXX XXXX - Flight booked XX/XX/XXXX for {$420.00}. Flight departure date : XX/XX/XXXX. The flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX, the refund has not been granted. Chase will not assist with the refund.
Consumer complaint received 2023-07-10
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. (NY)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 2023-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America held XXXX of my money saying I made a duplicate check deposit on mobile banking. They closed my account and reported me to chex systems all before talking to me and asking me what could have happened. 
I proved that it was not a duplicate check deposit, but they continued with their decision to close my account and never sent me the money that I deposited. They told me to wait 21 days, and they would issue me a check. I waited and suffered behind a payday ... and then I got a letter in the mail saying that they were holding the monies until they could be verified. However, the monies was verified the entire time by the fact it was sitting in the bank accounting. I never got that money. and the account is closed and I can not get another account due to chex systems. Also, they made me verify myself over six times by driving up to XXXX, Oregon and showing my I.D . and social security card. This expense was XXXX dollars every trip counting food, gas, and lodging and time off work. 
In addition to this final insult, durring the lifetime of the account their were multiple time my account was frozen without explanation. Each time my account was frozen I was told the only wasy to clear it was to drive to the nearest financial center and verify myself. This was a long trip. The closest Bank of America to my hometown is over 400 miles. I had to take time off work, borrow money for the trip, be late with bills and rent, etc. I had to find the money to get up to XXXX with my money frozen and I was unable to pull it out to make that trip. I had to borrow the money so when my account was unfrozen I had to pay back the debts putting me in a XXXX balance again. This happened six times.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (MN)

Hello, Im writing CFPB in regards to a debt from XXXX XXXX XXXX  and XXXX that was paid back in XXXX, and to make matters worse this debt is past the 7 year limitation. I have been getting harassing letters demanding payment. I tried to let them know that this debt has been taken care and its passed the limitations but I got no where with representative from Credit Control LLC
Consumer complaint received 2023-05-09
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. (IL)

XXXX, XXXX, Equifax is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

My accounts including XXXX and Zales, both issued by Comenity Capital Bank, show over payment balances. The XXXX account shows a credit balance in amount of {$41.00}, requested a refund via ACH deposit several days ago on XX/XX/28, account shows credit balance as of today, XXXX, no refund processed. The Zales account shows a credit balance in amount of {$920.00}, not including a recently mailed payment in amount of {$20.00}, which may post by time Comenity rep ( s ) research this matter and reply back. I've also requested a refund via ACH to my bank account for this account as well, account still shows overpayment amount of {$920.00} as of today.
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: Self Financial Inc. (TX)

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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 report plan as late for purpose.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

BELOW ARE INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

XX/XX/2023, I have received a debt collection notice by XXXX mail saying I owe {$44.00} Now in the month of XX/XX/2023, I am receiving multiple phone calls from the company. I choose not to answer because I believe it's a scam. 

I've checked my credit reports and this company/debt isn't on my credit. I have nothing in collections or late payments.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (CA)

I am writing to request that all addresses associated with my credit report be removed in compliance with the Metro 2 format guidelines. As a consumer, I have the right to ensure that the information contained in my credit report is accurate and up-to-date. In accordance with this right, I am requesting that all outdated and irrelevant addresses be removed from my credit report. 

As you may be aware, the Metro 2 format is a set of guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ) for credit reporting agencies. These guidelines are designed to ensure the accuracy and completeness of credit information provided to lenders and other interested parties. In accordance with these guidelines, I am requesting that all addresses be removed from my credit report that are no longer associated with my current residence. 

I am also requesting that you provide me with written confirmation that these addresses have been removed from my credit report, in accordance with the Metro 2 guidelines. I understand that failure to comply with this request may result in legal action, as it is my right as a consumer to ensure that the information contained in my credit report is accurate and up-to-date. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 
I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 
Please manage your responsibilities accordingly.
Consumer complaint received 2023-08-04
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. (TX)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2023-10-31
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: DISCOVER BANK (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and DISCOVER BANK XXXX