davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX, a washed check cleared the business account that we wrote through XXXX in the amount {$14000.00} on check XXXX. We did not notice this as when we checked online banking the criminal had not changed the amounts! 
On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. That statement was published on XX/XX/XXXX. 
On XX/XX/XXXX our vendor made it aware to us that they had not received payments, we then went to our local XXXX XXXX  branch found these XXXX washed checks and made a fraud claim. Both checks were deposited online to Chase Bank under XXXX separate names and addresses. The checks were written to XXXX different individuals but the handwriting on the back of the checks is nearly identical. The XXXX checks were deposited into these XXXX individuals separate accounts online. ( Most likely, these checks were online deposited into stolen or fraudulently opened accounts ) The individuals appear to be seniors living in Florida at different addresses. 
The total amount of fraudulently cashed checks is {$27000.00}. Both checks deposited online to Chase Bank. 
XXXX  fraud department is denying our credits for this fraud due to late reporting on the first check. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. They claim that they are working with Chase to resolve but I find a resolution unlikely. 
I found out on the phone on XX/XX/XXXX that Chase has sent XXXX a denial of funds on the first check claim and still has not responded on the second check. I am getting information third-hand through a representative of XXXX XXXX  who says they are not able to give me details on why it was denied by Chase and that it is based on their internal policies.

I have tried to contact Chase fraud department and they will not talk to me as the accounts were not mine and I do not have any deposit accounts at this bank.

Basically, both banks are denying us our money due to this fraud. In my opinion Chase is ultimately the bank responsible for this damage as they allowed these washed checks to be deposited online at their bank. Again, likely on fraudulently opened online accounts. They have chosen to handle transactions online which has left them vulnerable to these types of thieves. 
I simply dont understand how Chase can deny our funds when they clearly have online procedures set up rife with fraudulent activity. We need someone to work on our behalf to get Chase to pay us back our stolen funds.
Consumer complaint received 2023-08-10
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)

I was looking over my credit report and noticed an account with XXXX XXXX XXXX XXXX XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain credit
Consumer complaint received 2023-08-10
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On Thursday XX/XX/ my wife and I went into a XXXX store to purchase a new dishwasher on a XXXX XXXX XXXX sale for {$390.00}. We presented a major credit card but were offered 25 % off if we applied were approved for a XXXX credit card. I did and was denied. So my wife did and she was denied. Speaking with a XXXX XXXX  rep on the phone at the store, we were told we would receive an explanation on the mail. We did and it said that Experian had stated that we were both deceased. So I went to their website, enrolled, found my score was XXXX, and complained on their website that we are not dead ; why did they tell XXXX XXXX  that and who besides ourselves is liable for the {$100.00} we lost by being denied. They have not responded.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
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 XXXXXXXX XXXX XXXX XXXX ( these is an open account but reporting inaccurate so remove please )
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I would like to inform capital one of my financial hardships is why I got behind on my credit card payments. And I am unable to pay off the balances at this time. I am in the process of selling my home and when I get the money from my home selling. I will pay off all 3 credit cards that i had. But only what the credit limits were. Not late fees or interest charges.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I received a debt collection notification from Portfolio Recovery Services in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " XXXX. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When Portfolio emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " XXXX. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

Portfolio followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

Portfolio is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.
Consumer complaint received 2023-09-28
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

As a result of a previous CFPB complaint submitted by myself and Congressman XXXX 's office ; Mr. Cooper, my loan servicer, provided the attached resolution. The resolution dated XX/XX/XXXX on page 2 states that they would re-instate my loan modification if I paid them {$36000.00}. This amount, per the attached resolution covers payments from XX/XX/XXXX through XX/XX/XXXX. I submitted the full amount with certified funds on XX/XX/XXXX. It took a few weeks for the funds to post. I have had over a dozen calls with Mr. Cooper since. Most recently I was told that despite the attached resolution, they made a mistake and I owe an additional {$9300.00} due to a mis-applied payment on XX/XX/XXXX. 

I have since made payments for XX/XX/XXXX through XX/XX/XXXX.  Because I complied with their resolution, and their mistake occurred over a month prior to issuing the resolution, I believe my account should be considered as current. This is simple contract law - they made an offer, I accepted their offer and paid the requested amount in full, they accepted payment thus accepting the contract. 

As part of the HAMP modification process, Mr. Cooper and the Lender had the ability to reduce the principal amount and/or reduce the amount of interest accrued in addition to what they provided. My original interest rate was 6 %. Applying the new modified rate to the past due amount would have resulted in savings much greater than the {$9300.00} mistake they claim to have made. 

In addition to the simple facts above, I was happy to have this resolved after years of trying and after actually having them foreclose my home. I was within about 30 days of being evicted with my 2 children. I have spent more than XXXX dollars in legal fees, have been physically/mentally damaged from the foreclosure process, and lost my fiance due to the mortgage issues which they classified as a " miscommunication. '' I would appreciate some support to get this issue resolved without me having to proceed with further legal proceedings to fix this. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXXXXX Made on : XXXX XXXX Made with : TRANSUNION Made by : XXXX XXXX XXXXXXXX Made on : XX/XX/XXXX Made with : TRANSUNION To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Thank you!
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

There are over 31 hard inquiries on my report I do not reconie. credit one resent, XXXX dealership, capitol one recent for car there is 3, loan inquiries did not do, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all but 3 are in correct
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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: Self Financial Inc. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Over the last XXXX years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. Experian also now refuses to allow me to do any disputes online etc. XXXX i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (TX)

i graduated from XXXX XXXX received my XXXX in the mail. my tuition was fully covered by financial aid. I even had a XXXX balance. next thing i know i have aa XXXX balance months later. i dont know what type of came the company is running. but there are plenty of complaints on ever website about this same issue
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX ) Account XXXX also ( XXXX XXXX XXXX Account XXXX has Violated my rights. 

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 can not furnish a account without my written instructions.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-08-10
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)

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX  XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EQUIFAX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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 2023-06-21
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. (TX)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX