davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : CAPITAL ONE BANK XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: JPMORGAN CHASE & CO. (CA)

When I opened a business checking account, the Chase banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from Chase for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to chase. 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my chase bank statement. I called. A second time because Chase never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, Chase, though my personal account, notified me that a credit check was done on me for the 2nd time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the Chase credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (IN)

I received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

This credit reporting agencies has debt and collections on my credit report, I have disputed these things and asked for an itemized bill and or a contract to verify that the debt belongs to me, I have actually reported to these companies several time to verify and send me proof and not one item has came in the mail or have yet to provide the debt belongs to me... still on my credit report a even when asked to remove it
Consumer complaint received 2022-10-26
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)

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account or information which is found to be opened due to identity theft. The dispute item 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 this files. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-12-28
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. (IL)

On XX/XX/20 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

RECEIPT OF SAID NOTICE IS AGREEMENT TO ALL TERMS STATED HEREIN : RE : XXXX JP MORGAN CHASE is actively reporting transactions and experiences to each of my consumer reports. According to the FCRA, it explicitly prohibits these actions and states : The term consumer report does not include any of the following : XXXX any report containing information solely about transactions or experiences between the consumer and the person making the report ; XXXX any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; XXXX communication of other information among persons related by common ownership or affiliated by corporate control if : a. it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons ; and b. the consumer is given the opportunity, before the time that the information is communicated, to direct that the information not be communicated among such persons ; XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer, such as a lender who has received a request from a broker, conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under Section 615 ( 15 U.S.C. 1681m ), Requirements on Users of Consumer Reports ; or 6. a communication described in subsection ( o ) or ( y ) of Section 603 ( 15 U.S.C. 1681a ( o ) or ( y ) ) ( which relates to certain investigative reports and certain reports to prospective employers ). 

JP MORGAN CHASE must cease from furnishing any of my non-public, personal information to any/ all consumer reporting agencies and third-party entities. I have never received or instructed JP MORGAN CHASE via disclosure my permission or consent to report such. This inaccurate and fraudulent reporting is a direct threat to my personal security, safety and financial stability and is directly linked to me being unable to adequately obtain essential consumer household goods and supplies for my family. This reporting has caused XXXX  emotional distress and tremendous financial hardship and stress. 

JP MORGAN CHASE shall cease and desist from reporting any/all of my transactions and experiences to all of the consumer reporting agencies they have a personal banking relationship with at my expense. Also provide proof in writing that you have notified all consumer reporting agencies to do the same.
Consumer complaint received 2024-04-08
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. (IL)

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 XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (WA)

In 2011, I purchased a vehicle using Wells Fargo for the loan. My payments were set up on auto pay. I had gap insurance that I was paying the car was almost paid off. The payments were up-to-date and they repressed my car after many attempts to contact Wells Fargo, and figure out why they repossessed my car. The issue was never resolved. Now I have read information online that this happened to a lot of people and there is a lawsuit being settled, but the Wells Fargo representatives told me that I was not eligible for the lawsuit I feel like my situation is exactly what the lawsuit is describing. They recently sent me a check for {$41.00} claiming it was an overpayment from my auto loan. Not sure how I have an overpayment when my car was repossessed for delinquent payments
Consumer complaint received 2024-04-08
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (TX)

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my Equifax and XXXX reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for Equifax, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Yes year of XXXXXXXX  I rented from XXXX XXXX the house was extremely rodent/squirrel infested in the attic, the rental refused to repair the issue I withheld rent for two close to the ending of my lease the company refused to go to court and a XXXX XXXX asked that they render payment my mail unfortunately the funds was returned to me and XXXX XXXX stated she would take out a new eviction which she later cancelled.XXXX  XXXX asked through try t message when would I be moving off the property and I told them XXXX which was a month past my move out time which they agreed to. Upon me moving out XXXX was notified multiple times I requested a move out inspection and to return the keys no response two weeks after my move out I reached again and was responded to by XXXX who stated that someone would reach out to retrieve the keys however said nothing about the move inspection. Didnt hear anything from XXXX until the following year where they sent of letter all Al types of charges and Mossi g items that was never placed inside the home. They gave the debt over to Hunter & Warfield who has been giving different info and refusing to do a proper investigation up until this current date XX/XX/XXXX  I contacted Hunter & war filed and sent over all type of correspondence supporting my disputes against this debt I have recently spoke with a supervisor who stated they was going to reinvestigate the debt upon learning XXXX was charging me for months of living when I was not living in the home the supervisor oXXXX Hunter & warfield stated that while the debt is under investigation they would not attempt to collect off the debt I recently called this week and was told it was still under investigation that debt would not be sent too collections cause its under a dispute investigation. Today it hit my XXXX I contacted the company again and was told it was a error and that it was not suppose to be sent to collection but reported as disputed and that their investigation is still ongoing. I do not owe the debt they state these are false collections
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

they purchased my mortgage from another company, they then placed a an lien holder insurance on it to doubled my mortgage. so when i saw i was being told to pay double i find out they want me to send them my insurance information which they should have gotten from the previous lien holder. now they wont take it off for a year.. the insurance also is for a condo... not my personal insurance. Shellpoint ( newrez ) is shady...
Consumer complaint received 2024-09-01
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. (NJ)

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 : XXXXXXXX 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 XXXXXXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX 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 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 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (FL)

On the date of question ( XX/XX/2023 ) Advance America opened an account by someone else in the amount of {$470.00}, and now it appears on my credit report as a debt collection. I work XXXX hour day shift at a XXXX and that particular day I was working. I do not live in Missouri which is where this account was opened. All three of my credit bureaus were placed frozen for years at my request ; therefore, there should NEVER be any accounts open without my permission. In order for anyone to request any information in regards to my account, I first UNFREEZE my account in which I have not and I never did that. I know nothing about this company or what they do. All of my bills are ALWAYS paid on time and closed once I have completed payment. I have been in great standings with all creditors opened ONLY BY ME! I know nothing and have no knowledge of this company. I welcome this company to provide proof that this account was opened by me ( MY picture, MY signature or proof that this was opened by me. I can guarantee, this company is not able to provide proof it was me.
Consumer complaint received 2023-12-08
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. (OH)

On XXXX XX/XX/2023, I received multiple alerts from my credit card monitoring services an inquiry was placed on my XXXX and Transunion credit profiles. The inquiry was from XXXX. I called XXXX on XXXX and advised I did not submit an application. I was told to call back on XXXX XXXXXXXX at XXXXXXXX XXXX and someone from XXXX XXXX assist me. 

I called XXXX on XXXX at XXXX XXXX, and they advised they would cancel the application, and send information to the credit report companies the inquiry and application was fraudulent. 

I called XXXX and they quickly resolved the issue on evening of XX/XX/2023. I attempted to call Transunion 38 times from XXXX to XXXX, and their overseas agents could not understand XXXX or the phone system would just hang up on me. I entered my information into the system all 38 times, which is very time consuming. 

I filed a XXXX complaint against Transunion, and they responded inquires are not removable and if I wanted to dispute it to call them. There is no way to dispute credit inquires on Transunion 's website. 

Transunion can not keep FRAUDULENT inquires on a credit report. I froze all my credit reports and filed a identity theft inquiry with FTC. 

Transunion is putting undo stress and making this situation worse, and they give some illegal response that the inquiry is going to stay.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MI)

sent company verification letter and only received an old credit card statement I'm not under contract with this company and they have a charge listed for XXXX in fees with no information or explanation of these fees also I am not under any contract with this company they own the debt therefore I'm not legally liable