davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (DE)

I have been trying to work with JPMorgan Chase Bank to locate a check written off of a closed account ( XXXX ) that was issued between XXXX and XXXX. I have reached out to Chase on several occasions ( XX/XX/XXXX and XX/XX/XXXX ) to try and locate this item. I am constantly given the run around that without the check date, number and exact dollar amount they are unable to submit a research request. I have simply asked them to provide me with a copy of every check that was written during both of those years, and each attempt and yielded no response to my satisfaction. Each person I speak with keeps telling me that anything older than 2 years requires a research request ; that makes no sense as document retention policies require banks to keep records on file for 5-7 years. This is getting ridiculous that I have to submit a complaint with the OCC because JPMC refuses to work with me and is now advising me to walk into a branch in the midst of a global health crisis so that I can potentially get exposed simply because they don't want to work with me on this issue.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

Dear CFPB, I am having on going issues with my mortgage company NewRez. The issue is them not paying my Wisconsin Property Taxes on time or dispersing funds to me when requested to pay my property taxes. This happened last year as well, when the Mortgage exchanged hands from XXXX  to NewRez. Please help, I am a XXXX XXXX XXXX Veteran XXXX. 

Thank you and have a safe day. 

Mr. XXXX.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXXXXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX # XXXX {$290.00}
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AR)

Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$300.00} XXXX XXXX XXXX  XXXX XXXX  Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX  XXXX XXXX  Owed : {$310.00} XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called to dispute a charge on my account and the people i talked to said they could not dispute my charge unless i gave them my name. That normally would not be a problem but i gave them my name like 5 time already on the same call. I dont have time to give my information to the customer service people 10 times
Consumer complaint received 2024-03-03
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. (FL)

I am writing to you not just as a concerned consumer but as an informed citizen well aware of my rights under state and federal law. Over recent months, I have observed inaccuracies and unverified information appearing on my credit report, managed and disseminated by Experian. These actions are not only negligent but border on the reckless, with a blatant disregard for the laws that govern their operations and protect consumers like myself. I am complaining to you CFPB because you are listed as the entity that is supposed to keep these Institutions in line. please help me with this situation. ive written them a couple cease and desists but they just ignore them like i dont even matter.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020 a purchase was made for a 2pc suit using Capital One credit card in the amount of {$320.00}. This buyer received only one piece of item from this purchase. This package was returned USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2020, this item was dropped off at the USPS. This package has not shown any movement since the drop off date of XX/XX/2020 and declared lost in transit. Several attempts were made to Capital One Bank to resolve this issue to no avail. Need Help.
Consumer complaint received 2023-05-26
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. (FL)

This is 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 2023-05-26
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: Experian Information Solutions Inc. (CA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATIONS ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AR)

On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from. 

I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked. 

I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks. 

I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.
Consumer complaint received 2020-12-14
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. (MA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concerned, I XXXX XXXX was looking for work through indeed. I have gotten contacted for a job through indeed and went through the whole process and actually got it. Was working with them to end up getting scammed. All my money in my bank account ( savings ) was taken and they put me thousands into the negative / red.
Consumer complaint received 2020-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: First Technology Federal Credit Union (OR)

My First Tech Federal Credit Union - Home Equity Line of Credit was paid off XX/XX/XXXX. I received a letter from First Tech dated XX/XX/XXXX acknowledging the pay off and they had intention to reconvey the lien asap. 

I realized in XX/XX/XXXX, they had not reconveyed this as promised. Attempts to contact First Tech Credit Union went unanswered. After I threatened to seek legal counsel they finally sent me a Deed of Reconveyance that was not recorded until XX/XX/XXXX. 

For two years, First Tech Federal Credit Union held the lien against my property, without any reason.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FlexShopper, Inc (GA)

I have an installment plan with flexshopper that I have been paying on for quite sometime. I have run into some financial struggles with Covid and have reached out several times for someone to get in touch with me about what options I have. The installments are for anXX/XX/XXXX and a separate super disk for the computer. I am already paying {$1400.00} more for the computer than it is worth and {$65.00} more for the extra disk drive due to the computer not coming standard with one, which the description of the computer doesnt provide. Ive been paying on this computer since XXXX paying out {$1200.00} towards the device already when its cash price is {$1000.00}. I have paid {$82.00} towards the super disk since XXXX which has a cash price of {$130.00}. I have paid enough in on these devices to own them outright and when I have contacted the company several times due to Covid related money issues all they want me to do is call them. I dont have the option to call them and sit on the phone for hours. Ive requested someone to email me with my options and I never get anything other than to call them. Now they are sending me emails telling me they are going to cancel my contract and Ill be required to send both devices back to them. Ive paid enough money on both of these to own them and they just want to threaten to take them back. I dont see how this is fair or reasonable.
Consumer complaint received 2021-03-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lexington Consumer Advocacy, LLC (WA)

I have applied and applied and applied everywhere for some type of loan or cash advance because I am seriously struggling due to Corona virus and because I have a lack of history I keep getting denied everywhere I go. Even for the simplest of credits.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2023-06-10
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}
Consumer complaint received 2024-03-03
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. (TN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (IL)

I open a chime account its been more than a year that I had it and now they are requesting proof of identity proof of address i submitted its been 2 months since they closed my account I cant access the app nothing. I just want to close my account and my money return. I did file a a complain thru XXXX XXXX and would keep on fighting and calling them til my money is return.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically TransUnion, XXXX and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX