davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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: JPMORGAN CHASE & CO. (IL)

To Whom It May Concern, I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report : The items to be deleted are listed further below. 

Dispute 1 : Inquiry Type : XXXX  XXXX XXXX XXXX XXXX  : Noticed a hard inquiry on my credit report that I did not recognize. 

Dates : XXXX According to, 15 U.S. Code 1681c2 - Block of information resulting from identity theft.. 

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been a few days since this hard inquiry appeared under my report and I believe this should be removed since reporting incorrect information on my credit report would be in violation of this law since this would count me as a victim of identity theft. I am simply requesting this information be removed. 

This account may not be furnished onto my consumer report since this account is in violation.

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any consumer reporting agency written consent to release and/or report information without my knowledge on my consumer report. This violates my rights as a federally protected consumer. No consent is identity theft. I would simply cordially ask for the removal of this inquiry. 

Thank you.
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: NCB Management Services Inc. (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I contacted this company after seeing if show up on my credit report! I told the company Ive never dealt with this company or the original company. The customer service did not give me any information and said the debt was mine, but couldnt give me information on the debt.
Consumer complaint received 2023-11-10
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-11-10
Product: Credit reporting 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 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 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 2023-09-05
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. (PA)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 6. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-09-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I closed a Money Market account ending in # XXXX on XXXX and was told it would take 15 business days to receive a check due me in the amount of {$63000.00}. 
I received a letter from Capital One dated XXXX indicating the account had been closed. See attached. 
I phoned on XXXX at XXXX as provided on the letter. I was told that it had mailed and perhaps was delayed by the US Postal Service. I was sent an affidavit to fill out to indicate that Id not yet receive my check. See attached. I was told this would take 7-10 days. I sent the affidavit on XXXX -- see attached. 
I phoned again on XXXX at XXXX, which is the main Capital One line. I spoke with supervisor, XXXX. She told me a reissue could happen 60 days from original issue. She then did not have access to further information, and I was transferred to the Escalation Team. I was asked to verify my email address and was given Escalation # XXXX. 
I got a call from XXXX at Capital One on XXXX. She told me her direct line was XXXX and given extension XXXX. XXXX indicated that a check reissue would be done on XXXX, and that I would be given a XXXX  XXXX tracking number at that time. 
I phoned XXXX at extension XXXX. Here I got an automated message saying that I needed a 7-digit extension. Note : I had gotten a 6-digit extension. 
I phoned XXXX and asked to be transferred to the Escalation Team. XXXX, a supervisor there, told me that he did not have a tracking number and it probably was sent via US Postal Service. He told me to try again tomorrow. 
The internal tracking, non-responsiveness, and lack of acceptability of anything related to this entire fiasco is laughable, except that Capital One has held my money hostage for over 90 days. 
When I inquired previously that I should be reimbursed interest on days that Capital One has held my money I was told that this couldnt be authorized. It seems they can make interest on my money, but I can not recoup any interest lost. 
I not only feel that this is probably a recurring issue and a way to hold onto money with little or no penalty. After all, much like I was told in my last call today the next escalation is the presidents office at Capital One and it can only be reached via mail. Certainly, they can say they never got the letter much like my check that Uncle Sam is blamed for losing. 
I want my money and interest lost during this time period of over 90 days.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I wanted a security freeze on my trans union credit report as well as the 2 other credit agencies after my information was used in identity theft. However, I was made an aware that trans union didnt put a freeze and many accounts were open that I am dealing with right now. Started in XXXX.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

I have a checking account with Chime. 
On Saturday the XXXX of XXXX I woke up to notifications letting me know that 4 transactions had processed from a XXXX company named XXXX XXXX XXXX, each for {$30.00}. I also had two text messages from the fruad department asking if I had authorized two of the transactions and I texted back " no '' and received a text that said this transaction had been declined and no money had been taken ( the only charge it denied was one for {$10.00} ). I locked my card and called customer service to report the fraudulent charges and was told that the representative had canceled them, that they should not go past the " processing '' phase and if they do then I needed to call back. They asked me if I wanted to have a new card issued and I told them yes, so that representative canceled the card I had and put in the order to issue me a new card. 
On Monday the XXXX around XXXX I checked my bank account and saw that they had fully processed, so I called customer service again and filed a claim for the fraudulent charges, letting them know of my previous conversation with one of their representatives. While answering their questions I informed them that I had never heard of this company before and had not used my card for a few days, that when the transactions occurred I was asleep and I notified their company as soon as I saw the charge notifications. They informed me that the claim had been filed ( # XXXX ) and I would recieve an email letting me know the companies decision. Later that day I received an email telling me that the company had determined the charges to be legitimate charges and the claim had been closed. So I called the customer service department again and told them about this and that I would like to reopen the claim, to which I was told had to be done by emailing the support email. I immediately wrote the email telling them all of the information that I had previously told the customer service representatives and stating that I didn't approve these transactions, that I had never heard of the company before as well as informing them that I can not afford to have the {$120.00} taken from me for transactions I did not do. I woke up to an email today ( the XXXX of XXXX ) telling me once again they determined the transactions to be valid and that I can request the documents they used to make their decision. 
I will include the transactions from my bank account and the emails recieved/sent to chime support. The transactions themselves show that 3 of them happened at the same time with the 4th happening a minute later.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Between XXXX and XXXX XXXXXXXX XXXX took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.
Consumer complaint received 2023-09-28
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2023-09-28
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. (CA)

Back inXX/XX/2023 I reviewed my Experian credit report and noticed an account that did not belong to me. I began by contacting Experian by phone with their fraud department to alert them of this incorrect information. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to Experian on XX/XX/2023. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. Experian is violating all of these laws anf they should be held accountable for their inaccurate reporting!
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX XXXX is seeing an account being reported exclusively with his XXXX XXXX profile asserted through a debt collection agency Transworld Systems . The account is allegedly consistent with a XXXXXXXX electrical utility relatioship the debt collection agency Transworld Systems is purporting is verifiable debt. XXXX XXXX has an active account with XXXX for electrical utility service, and the balance is at a XXXX amount. This is a fraudulent assertion and the remarks are inaccurate. XXXX XXXX contacted the debt collection agency and was provided an affadavit and a point of contact for return and review consistent with this alleged debt owed by and through a relationship with XXXX  for utility service, despite reporting the account as fraud and maintaining a current electrical relationship with XXXX XXXX where as of today the balance is at a XXXX amount.
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We paid off our car loan from Capital XXXX and they claim to have sent out our car title via the mail at the end of XXXX. We waited XXXX weeks and contacted them as we had yet to receive our title. They assured me they would send out a lien since the title had not arrived. We waited XXXX more weeks. We called back and they claimed we had not called them about the title not arriving. They once again assured us they would send us a lien for the car and overnight it to us via XXXX. They printed the label a week ago and have not sent it out. It's been XXXX months and we have not received our car title or a lien.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

For XXXX XXXX XXXX docket number ending in XXXX is reporting as a repossession. I dont know why it would be report as such because it was not an auto loan. This has really lowered my credit score.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I received an email from Wells Fargo on XX/XX/XXXXstating my XX/XX/XXXX mortgage payment was past due. I have always paid my monthly payment in two payments for example, a payment around XX/XX/XXXXand another around XX/XX/XXXX the combined total equaling the full amount for the XX/XX/XXXX mortgage payment. When I called, I was informed portions of my payments for several months had been getting applied to the principle balance and not towards my monthly payment ( the amount was never the same and it was also never the full payment I sent in ). For example if I sent in a payment of {$900.00}, {$140.00} of that was applied to the principle and not my monthly payment. Over months this has added up to an entire missing payment of {$2100.00}. Wells Fargo stated this was the risk I take by paying in two payments and that they can not correct the payments as it has been over 90 days, even though I did not know this was taking place until XX/XX/XXXX. I have made this full payment and they are now asking for another payment for XX/XX/XXXX. I have reviewed the statements and there is no mention that payments must be made in one single, full amount or that there is risk of payments being miss-applied if they are sent in separately.