davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (OK)

XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  Dispute XXXX XXXX  XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XXXX  XXXX SELF EMPLOYED RENEWAL BY XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-29
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)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2022-11-28
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2023-06-29
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) 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 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 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-06-29
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. (GA)

I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Consumer complaint received 2023-05-19
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid my Capital One credit card in full on the the XXXX statement and they charged me an interest payment. At this rate it will never go away. I paid it because they would not let me put the higher balance on my lower card or lower my interest rate.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credt Reporting act XXXX  XXXX  Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX  XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX XXXX  XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I was XXXX  down in XXXX XXXX in the month of XX/XX/2022. During the altercation I lost my wallet containing the Chase credit and debit card, and also my cellphone. I managed to check my accounts and saw multiple fraudulent charges. I contacted JP Morgan Chase and reported the theft and charges. The credit card charges were canceled and I did not have to pay to cover the charges. On my debit card, the thieves were able to get into my cellphone and XXXX themselves {$2000.00}. When I contacted Chase about this charge, they advised since my cellphone was used it was a valid charge. I got a police report from the XXXX XXXX Police Department to show I had also lost my phone used in the transaction. I submitted this to JP Morgan Chase, and the team who looks through these files, again denied to refund my money. I submitted several claims to have the " team '' at Chase look into this and it was never resolved. I am submitting this claim through the CFPB to have this case looked at again. I have provided enough proof that this was not me, and yet I am out {$2000.00}.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (MA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (TX)

XXXX XXXX XXXX XXXX XXXX has reported false information on all 3 credit reporting agencies on my credit reports the company has placed and sent my account to an collection agency on XX/XX/2021 to company called The Best Service Company I have payments receipts showing account payments made. The company stated to collection agency no payments were made on the account please investigate this matter. 

Thank you
Consumer complaint received 2023-07-31
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 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

I sold annuity payments to XXXX  this is my 5th time doing so using my former bank. I am now banking with Chase bank I went to chase bank in person to cash my check in the amount of {$2600.00} and make a deposit the teller gave me a number to the frauds department. They said there is no public record phone number for XXXX so chase bank is considering the check to be fraud it's been a week since I went to cash my check the steps I have taken to resolve the issues are I've called and talked to them until I'm blue in the face I've spoken to XXXX and explained what is happening what they have said is they don't understand why because the check has been cleared chase bank customer service says even if the check is cleared I will not get the money I set up a meeting with a banker at chase bank with a banker to provide a certified contract for this loan and past contracts and court approval documents that prove this is not fraud and they still won't release my money I feel that chase bank is discriminating against me because I'm XXXX they must think I don't know what I am doing
Consumer complaint received 2023-06-29
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. (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 XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account 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 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is following my former complaint # XXXX which never was resolved. 
After the last response they provided to my complaint mentioned above, I did not get any other response despite of several efforts to contact them. 

There has not been any update, email, text message, mail, etc about this issue until on XX/XX/2023 that I realized all blocked fund in my account have been withdrawn without any description/explanation. Again after trying to reach out to any customer service representative on capital one bank, right after giving my information I got forwarded to a voice mail for litigation department and never been responded/called back by them following leaving messages which made me really concerned about a probable fraud incident. 
Finally I could get help from a helpful representatives in Capital One Cafe who talked to the litigation department over the phone on my case for me and I realized that my funds are sent to the state through " Escheatment '' process and regarding " The way the account was closed '' no one have access to any further information to provide me. 

I started to follow up with the State of california department for unclaimed properties and as as of XX/XX/2023 there has not been any report that matches with my information or even there has not been any reported amount of funds that matches my case. 

I need to be given below information. 

- To which state my funds is sent out, The date submitted, The name reported as the owner of property, the exact amount, the standard " property type '' code used in report and any other information that I need to locate/find the case and claim it. 
- The outcome of the investigation and the reason and the law/legal basis that is practiced to take final measure which was " Escheatment ''. 
- The reason why I have not been responded back in any manner, If I am a red flagged customer that should be transferred to the litigation department, I still need to be provided with some " Answers '' or " Clarification '' on my situation somehow instead of being flagged and blacked out. If I have committed any illegal action, I need to be forwarded to court or any other legal authority based on law, otherwise my rights as a citizen should be fulfilled. I need to be informed the laws and legal basis that I got blacked out based on.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I was billed a total of {$890.00} on two statements from a vendor who had my charge information for services I never received, were duplicated, or overcharged. I sent a letter to Synchrony bank ( credit card bank ) disputing the charges on XX/XX/2023 and a second request of the same letter at the end of XXXX. It is now the end of XXXX and I still have not received a response. The letters were sent to Synchrony Bank XXXX XXXX XXXX XXXX, Fl. XXXX. I do not have an address for the vendor ... .name of XXXX XXXX XXXX XXXX .only dealt with them by phone as a referral from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX NJ. The vendor 's telephone number was XXXX. I've used the term " WAS '' because later phone calls to this number were unanswered or followed by a recorded message stating that this number is no longer in service. Persons I spoke with at XXXX XXXX XXXX XXXX were XXXX and XXXX ... .never gave me a last name or address. Please help me get some or all of the {$890.00} back. We are XXXX citizens in our XXXX 's and XXXX 's and every penny counts for us. Thank you
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

On XX/XX/2023 my Chime checking account, savings, and credit builder was closed which is owned by XXXX and given no reason. I have had this account for over XXXX XXXX and have never had an issue. I immediately called customer service and was told they closed the account because I violated company terms. I had over {$850.00} in this account and this put me in a great financial emergency due to this. I was told I would have to wait at least XXXX XXXX to receive my money. I had XXXX pending direct deposits and several bills which were scheduled to be paid for this account.
Consumer complaint received 2015-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Allen Tate Mortgage Services (NC)

I closed on my home on XXXX/XXXX/15 with a mortgage underwritten by Allen Tate Mortgage out of XXXX, NC. On XXXX/XXXX/15, I was contracted by Allen Tate to provide numerous pieces of information previously provided during the credit approval process prior to funding which I can provide back up for. Additionally, they want to come in my home to get more appraisal information on a closed loan 45 days later. They are saying the document I signed indicated I had to help them in any way they required but it says clerical errors and reasonable requests. The loan process is very arduous and I met all requirements and closed on my loan and now am being harassed by the lender. Additionally, it seems as though they have misplaced all the statements, pay stubs, etc in my entire file which they are asking me for again. Upon asking their Compliance Manager, XXXX XXXX where my personal data was and why he could not validate he had it, he said he was investigating further. My mortgage person at Allen XXXX, Nick XXXX will not return any calls on the matter nor tell me if I should forward the XX/XX/XXXX payment to Allen Tate Mortgage or the other company which sent me an email but has not sent me a statement. I am a XXXX year old female XXXX who saved and bought my first home and feel very strongly that this is harassment because of my gender and age as through every step of the process they have avoided my calls, repeatedly asked for additional info, charged a higher rate than originally quoted by a 1/4 point, closed the loan and now are asking for all the info previously sent 45 days after closing, this is terrible and not reasonable. Other consumers should be made aware of these poor and discriminatory business practices and do not listen to your Allen Tate real estate agent if they recommend their mortgage arm. Please help if you can and warn other females to stay away from this company! Thank you fir looking into this matter further.