davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (MI)

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX AND XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank made me close two of my bank accounts and two of my three safety deposit boxes I had jointly with my mother in XXXX XXXX. I closed my savings and personal checking, and they let me keep my business account. I closed two of my safety deposit boxes. I had a meeting with XXXX around XX/XX/XXXX, XXXX they said at that time I signed a card and surrendered another box. I might have signed something, but I did not go into the box and empty it. The last person to sign off that card was XXXX. But I was not physically with him emptying the box on that day. Nobody has the right to empty the box without me or my mother present. Video surveillance should show that. The bank wont talk to me about it, or show me any of the sign in cards. 
On Wednesday XXXX XXXX my mother, went in to get something out of her box and they said there is no box. 
I asked XXXX to see all of the signature cards. XXXX said signature cards are thrown away after one year. As I was leaving I went back and told him it had been a little less than a year he changed his answer, and said they were thrown out at beginning of year, every year. He gave me a copy of the sign in card of the box that was closed in XXXX. 
He said the box was drilled, and he signed off that it was empty. no initials on card XXXX. 
XXXX also claims that he couldnt open it because he doesnt have the PIN number. he said that you have to have a pin number to open a box. I was told by the manager that that wasnt true either. She said sometimes you need it if youre going through their computer system instead of signing a card.
Consumer complaint received 2023-03-31
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)

I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXXXXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2018-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX client XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed to Capital One fraud department however the office mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. She received a Capital One credit card via mail that she never requested or applied for. It was determined her information was used without her consent to establish this account. ( Acct ending XXXX ). Capital One has failed to conduct a proper re investigation of fraud as outlined by the FCRA which is a violation of my client 's consumer rights.
Consumer complaint received 2023-03-31
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. (NC)

As of yesterday the following accounts on my Transunion credit report were listed as " closed '' which they had been for years! Today they were changed to " open '' and " installment '' which they are not because they are closed!! 

XXXX XXXX XXXXXXXX was changed from closed to open ( which it is closed ) XXXXXXXX XXXX XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX was changed from closed to open ( which it is closed ) This is a direct violation of the FCRA and a violation of my credit rights as a consumer! These items need to be deleted from my credit report as active open accounts immediately!!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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.

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 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 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I erroneously made a payment on my Citibank credit card of nearly {$6000.00}. On XX/XX/2023 at about XXXX  ( PST ) I realized my mistake and called Citibank to receive a refund. I was informed it would take approximately XXXX - XXXX business days to receive my refund via paper check. I complained, and a supervisor 'over-rode ' the system so that the refund could be directly deposited to my bank account. However the refund still would not be issued for XXXX - XXXX business days. This seems like a long time, given the speed with which electronic transfers can be made. I asked to speak to the supervisor. I believe his name was XXXX, who repeatedly told me the same information, continuously interrupted me and did not listen to my concern. When I told him that, based on our discussion, i wanted to close my citibank credit card account, he asked for my text number to send verification, which I gave him. I asked that he also send confirmation that the refund was being processed. He refused, saying there isn't a system e-mail for that purpose, and he couldn't send personal information via e-mail or text. I wasn't asking for personal information, just a confirmation that they were working on my refund. I tried to tell him this, but he talked over me, and ultimately hung up on me. I have not received the text he said he would send to verify closure of the account. I have no assurance that my refund is being processed or will be made in a timely manner.
Consumer complaint received 2023-09-10
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: DISCOVER BANK (FL)

One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.
Consumer complaint received 2023-03-31
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. (HI)

Tranunions received my letter showing my XXXX payment never been late. I call millions time. Sent certificate letters. I call this morning and the guy was very rude.
Consumer complaint received 2023-03-31
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. (FL)

XXXX Bank, XXXX, and Transunion continue to report XXXX XXXX Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from XXXX and Transunion which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. XXXX Bank has FRAUDENTLY marked my account as being late in XXXX of 2023 when the accounts have been paid off over 2 years ago. XXXX Bank, XXXX and Transunion have ruined my credit by inserting inaccurate information
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION (MI)

Dear Sir/Madam, I am writing to file a formal complaint against Lake Michigan Credit Union XXXX XXXX ) regarding multiple issues related to my accounts with them. The details of my complaint are as follows : In late XX/XX/XXXX, I suffered a severe concussion due to an auto accident, followed by contracting XXXX for the second time in XXXX. These medical conditions significantly limited my ability to manage my business, which, in turn, led to financial difficulties. 

Due to my health challenges, my personal checking account with XXXX went into negative balance, resulting in numerous overdraft charges that I did not opt-in for. These charges occurred without my consent. 

On or about XX/XX/XXXX, Lake Michigan Credit Union charged off my personal checking account without providing proper notice. Despite my immediate attempts to pay the outstanding balance in full, XXXX refused to remove the charge-off from my credit report. 

In exchange for settling the balance, I requested that XXXX remove the charge-off from my credit report, but my request was denied. I believe this led the loss mitigation department at XXXX to take questionable, if not illegal, steps to punish me. 

Shortly after the charge-off, XXXX denied XXXX online access to my account, which included my credit card and auto loan accounts held by them. This also suspended e-delivery of all statements and notifications. 

Since I hadn't received a monthly statement, I called XXXX customer service on XX/XX/XXXX, to inquire about my VISA payment amount. I was told the amount was {$200.00}, which I immediately paid through a transfer from my business checking account. However, I later discovered that XXXX reported me as 30 days late to the credit agencies because the amount given to me over the phone ( on a recorded line ) was allegedly a couple of dollars short. 

In addition to my personal account issues, I also had a business account for my S-corporation with LMCU. They started restricting this account as well. First, they froze my debit card in early XXXX. Subsequently, they restricted online access, and finally, they refused to accept a cash deposit on XX/XX/XXXX, which resulted in my car payment being returned. As a result of these actions, I made the decision to close my business account with XXXX on XX/XX/XXXX. 

While I have written notes detailing the events above, I also possess recorded calls with LMCU that provide further evidence of the issues I have faced. 

I request the Consumer Financial Protection Bureau 's assistance in investigating these matters and ensuring a fair resolution. The actions taken by Lake Michigan Credit Union have had a significant negative impact on my personal and business finances and have also affected my credit standing. 

Thank you for your prompt attention to this matter. I look forward to a resolution that addresses these issues and prevents similar situations from occurring in the future. 

Sincerely,
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was victim to a phishing attempt posing to be a XXXX opportunity from my college. I happened to apply to several work study programs and internships to help pay tuition. In this email I was asked to provide some details such as my name and Banks ive used. I gave those details and was given a check to deposit. From here I sadly deposited the check into my Capital One 360 XXXX account using XXXX deposit. The check provided below was for {$950.00} dollars. Over time I caught on to the scam as he was asking me to send money without the check being cleared. But now my account with Capital One has already been restricted. I called the day of to get the check disputed but I was told it was still processing and would be available on the XX/XX/XXXX where I could go about disputing the check. Today XX/XX/XXXX I was told my account has been restricted and Based on the results of our review, your account ( XXXX ) XXXX be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. Please if there is any information or details needed to prove this was a honest mistake and I was scammed I would gladly provide anything needed. I have no prior history of fraud nor do I have a criminal record of any sort.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Clay Chapman Iwamura Pulice & Nervell (HI)

Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.
Consumer complaint received 2023-03-31
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

My cousin falsely used my identity and signature to get a lease from an apartment complex. She didnt pay rent for 8 months and did damages to the unit. Now she owes XXXX in collections to the company and my name is on it as well. Ive spoken with the apartment company and got all the documents that they have. She signed the documents electronically due to covid.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

So I received my XXXX check from XXXX on XX/XX/XXXX for the amount of XXXX I then deposited the check into my chase bank account on XX/XX/XXXX by mobile. Then I get an email stating the check will be available on XX/XX/XXXX. On XX/XX/XXXX I receive a letter from Chase bank stating my account was on hold and was facing being closed for this check, so I then proceeded to call to see what the issue was. They explained that they were having problems verifying my check and asked did I have a verified number for them to call I provided the number from my check they stated that it wasnt in their system. I then called XXXX to ask and they said the number I dialed which was XXXX was the number the bank would use to verify checks. I called chase bank back and told him what was said the rep then did a XXXX way call with that number and verified with that rep that the check was good. She told me give it about XXXX minutes and the hold would be lifted. The next day I try to use the card and couldnt. I call chase back again and the same thing they cant verify i have to provide a number I XXXX several different numbers linked to XXXX none of those are verified its insane now I have to wait even longer then their going to close my account and bounce the check.
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WA)

My name is XXXX XXXX, my email is XXXX I requested this Netspend send me my statement because my old email was no longer working, i provided my social security number and date of birth and pervious address to verify the transactions, but they refused to give it to me. saying i have to remember the last few transactions i placed, which is ridiculous, if i remembered every transactions I placed back in 2022, why do i need to request statement from them. I am old person as well. I doubt anyone can remembers out of their head which date and what amount they spent!!! Please help me contact netspent send me all my statement for my account ending in XXXX