davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fail credit XXXX XXXX XXXX XXXX # 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.

11.7K 15 USC 1666B : A creditor may treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that box ( a " and purpose.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am A costomer with Bank of America for many years. I was surprised that last year there were monthly fees deducted from my bank, amounting ( checking account ) {$4.00}, and previously, fees were also taken from me, which I contact them to return to me the sums that were deducted from me, but it took eight months. They continued to deduct this amount from me and called them again and they tell me that this is the bank 's policy, noting that previously they did not take these fees from me, and for your information, I used the bank card to purchase continuously and monthly
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am the Victim of Identity Theft since XXXX been sending Supporting Documents to XXXX Transunion and XXXX for the last XXXX years Identification Updated Bills Social Security Card Lease and still items remain that have been fraudulently from a hacker unknown keep disputing nothing is being done my name email and social have been compromised repeatedly sending in proof of who I am
Consumer complaint received 2023-10-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/2023, Citizens Bank changed the mailing address on my HELOC without my consent, as I missed a payment, they never called me once and continued to send statements ( and I'm assuming demand letters ) to the wrong address for 8 months letting me fall further delinquent. While the address change was small ( removing the XXXX XXXX  ) my town does not deliver mail, and thus no letters were received. 

My credit has suffered due to the delinquent history to the tune of approximately XXXX points. 

No one is available at the bank to answer my questions, have tried several times to reach out through customer service and i keep getting bounced around.
Consumer complaint received 2023-03-06
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : 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 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (CA)

Tried to make a purchase through AFTERPAY, said purchase defaulted to my credit card of {$120.00} and is already paid for and AFTERPAY is still charging me as if order is not paid ( {$140.00} ), can not get a hold of customer service, no one is trying to resolved my issue instead being forced to pay for something I already paid for.
Consumer complaint received 2023-10-04
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)

Lake Michigan Credit Union [ LMCU ] has continued to charge me overdraft fees and nsf fees dispite numerous attempts by myself to remove the so-called " overdraft protection '' from my acct.

I was able to successfully unsubscribe from the checking acct. and they did not tell me that I needed to do a separate form for my savings account. I then went back to do this for my savings account, but then it started on my checking account AGAIN!

They informed me that everytime I get a new debit card I have to go back in and resign the forms.

Then I STILL received more fees. I was told that if I have an auto-bill pay setup then it would happen again. I understand and went to the different companies that auto debit and asked them to stop. XXXX of them [ XXXX, XXXX XXXX, and XXXX XXXX ] would attemt to withdraw multiple times FOR THE SAME TRANSACTION and I would get a {$30.00} fee each time. 

To date I have paid over {$1200.00} in {$30.00} fees on this checking account. 

I lost my job and have been to XXXX different branch locations begging for some sort of freeze on my accounts until I get a job, yet they happily continue to charge {$30.00} fees.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions,  993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (AZ)

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 XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-08-03
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)

I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Finmax Smart Capital LLC (TX)

i was told 'legal actions would be taken ' 'if you start payments then fall back it's really going to hurt your credit '. demanded a {$1000.00} payment before the phone call was over or they would come after me 'to the fullest extent of the law ' then he went down to wanting a {$300.00} payment then {$100.00} payment implying if i didn't pay him something before the call was over they would come after me legally
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXXXXXX XXXX- XXXX {$470.00} -XXXX XXXX XXXX- XXXX {$550.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00} PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 14 ) -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 XXXXXXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NJ)

I am writing to bring to your attention the unresolved issue concerning the late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/23 I was notified by XXXX XXXX that there was a new collection account on my profile. Upon further review, I discovered that the company TRANSWORLD SYSTEMS INC added a collection account in the amount of {$350.00} to my profile. I had no knowledge of this. I never received any communication from this company prior to this and I never had an opportunity to pay the debt or dispute it. I called the company directly to inquire about this, I asked what mailing address and email address they had on file for me and both were incorrect. In my opinion, they made no attempt to verify their information before placing a collection account on my profile unfairly. Had I known about the debt, I would have paid it before it negatively impacted my credit. The company offered me no solace for this. I expressed my concern and asked if they would remove it from my credit report since I paid it in full and they said no.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (PA)

Mr. Cooper has Fraudulent business practices they put on their website that is attached to your account your home value, and your home equity. Yet they will not consider such information when handling a pmi removal. I have 53 % equity in my home and my home is valued XXXX more then it needs to appraise for yet they want me to pay for an appraisal, to get pmi removed. Lets add in when they buy your mortgage they make you jump through hoops to keep your auto pay. What mortgage company makes you write a letter and mail it in to keep paying your mortgage. Theres another option for you to cancel your auto pay and re set it up on the website which I did and they still canceled the auto pay. Mr Cooper is a complete scam. They want you to be late on your payment, charge you fees, late fees and appraisal fees.
Consumer complaint received 2023-12-10
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. (CA)

My information was included in two XXXX data breaches. XXXX removed my military service information in the XXXX XXXX XXXXXXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, XXXX added an old address to my credit report, yesterday without my consent. 

Re : XXXX, XXXX XXXX, XXXX and XXXX XXXX : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as XXXX violations and violations of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to my credit report.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have been trying to use the Lakeview Mortgage online system for more than 7 days, for a total of over 11 hours, The system either does not recognize me, or it just locks up, They then start asking for a great deal of personal information, I have been unable to make my mortgage payment, due XXXX XX/XX/2023 because of this, Also, their system keeps running me in circles trying to get to a human and mainly tries to send me ta a number wanting to give me promotional offers, Then need to just have a simple call in number where a person can get actual assistance and not be dragged into a crazy death spiral, When I finally did get to a human, they were not useful at all,
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CO)

My mortgage is services by Chase Bank, after it was sold to the by XXXX XXXX about XXXX months ago.. 

Approximately XXXX months ago ( while still with XXXX ), I changed my payment structure such that I would be paying every XXXX weeks rather than monthly in order to accelerate the payoff, and also added a nominal additional payment ( {$230.00} / month ) towards the principal. Doing so required an additional full month of payment to be made during the initial month, which I did willingly. 

On XX/XX/2023, with ABSOLUTELY NO CONSENT OR AUTHORIZATION FROM ME, Chase Bank arbitrarily changed my payment structure back to once per month at the standard payment amount ( no additional payment towards principle ). 

I have spoken with the Chase Bank 's Mortgage Customer Service department to get this fixed, to no avail. I was told the change was made because my personal bank account from which the payment was drafted was closed. This is PATENTLY FALSE. Not only is the personal checking account still open, Chase Bank has subsequently made auto-drafts from the EXACT SAME ACCOUNT. 

This change has already cost me money and extended my projected payoff, and has now cost me significant time as well as I've made multiple calls to correct the problem with Chase 's Customer Service. 

To get this fixed through the normal process, I would have to again pay an additional full month 's payment in advance. What happened with my mortgage payment schedule through Chase Bank is absolutely unacceptable and I suspect illegal. 

Please help!
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.