davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AZ)

-I had XXXX reward points with American express XXXX Points were obtained through credit cardrewards with many credit cards, then combined together. 
-I closed most credit cards, except for XXXX that didn't charge a yearly fee. 
XXXX XXXX my remaining credit card due to inactivity in XX/XX/XXXX, however I did not receive notification. I also did not agree to close the account.I found out the card was closed on XX/XX/XXXX. 
-Amex then took away all reward points I had in my account. Again I did not receive notification, and I did not agree with them taking away my reward points. 
-I tried to contact Amex on XX/XX/XXXX, but they claim they have not done anything wrong, and are not able to reinstate my reward points. 
-I disagree with their decision. Those XXXX points are worth about {$1500.00} cash back. I did not agree to for them to be forfeited, and I did not agree to close the credit card account.
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe that I may be a victim of identity theft because my car was broken into and all my personal belongings were in my purse such as my social security card, my id along with other items in my purse.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX has reported two items on my credit report ( {$8500.00} and {$55.00} ) that do not belong to me. Its for a utility company in a city I dont live in and have never owned property in. I was contacted by the utility company in XXXX about the bill. I submitted some basic identification information and they told me theyd remove the account. In XXXX, they sent it to a debt collector who has reported both on my credit report resulting in a XXXX point loss. When I spoke to XXXX, I was told on XXXX different occasions that the debt would be removed from my account if I submitted a dispute with the credit agencies. I did so, but XXXX told the credit bureau that the debt was mine.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 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/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MO)

Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I banked with XXXX XXXX XXXX XXXX and I had to file for XXXX  XXXX, XXXX was part of XXXX  XXXX. On XXXX. I was granted a discharge under section727 of title 11. I recently tried to refinance and my credit report show that the XXXX account is closed but that I owe them {$15000.00}.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. ()

Someone texted me on behalf of XXXX XXXX company that we can give you a limited amount of loan. I told her before doing anything give me the interest rate and the amount of the loan. She told me, we should do the hard check. But I told her no if you want to do the hard check, I don't need this service. All of a sudden, the did it today and sent me the amount of the loan. I asked her why you did it without permission? She told me don't worry your credit will drop a little bit. I want to complain about this subject. I have all the conversations.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I do not recognize inquiry from CCB/BreadXXXX  made on XX/XX/XXXX with removal date of XX/XX/XXXX. The other inquired was made by CCB/BreadXXXX on XX/XX/XXXX with removal datw of XX/XX/XXXX. Vendor has no number to call and they do respond to mail. 

my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN XXXX. 

This appears on my XXXX, XXXX and XXXX Credit. Report. I wish to have both inquiry remove from all Credit Bureau
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My issue is with an auto loan from XXXX  XXXX XXXX. XXXX has a 30 day late in XXXX and XXXX but experian has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. XXXX claimed it was verified. XXXX failed to respond. Experian claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. Experian has 2 30 day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used a credit card with Capital One and when I tried to make a payment on the due date they didnt accept my payment method and they locked my account, Not only that after I missed the due date ( because I was notified the next day that my payment method wasnt accepted ) they charged me {$780.00}! In interest, I tried to talk to capital one to remove it but there is no one to talk to. 

I would like my interest back!
Consumer complaint received 2023-06-19
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. (AR)

This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00}.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On, XX/XX/2022 I received a call from a representative claiming to be working for XXXX through JP Morgan Chase requesting if I made a payment of XXXX Dollars to a XXXX at XXXX ( XXXX ) XXXX. I said no and they proceeded to ask for my information which I provided for my XXXX account. They then sent that payment to themselves using that hacked account and number by fishing my personal information. I called my Chase bank after realizing what happened and said that I was scammed. They investigated the claim and said since I authorized the transaction that it could not be refunded and that I did not report within 60 days. I received a letter on XX/XX/2022 after I called them one on XX/XX/2022 and on XX/XX/2022. I even reported the number to XXXX and told them this number and person were committing fraud. Assured me that the account was reported and banned. However, I requested my money to be returned by the recipient twice and saw that the account was still active hoping the person who got hacked as well maybe perhaps got their info back and would do the right thing. My bank, Chase, refused to help under Regulation E and XXXX claimed that they could not provide any assistance citing they do not provide buyer protection on authorized transaction between relatives or friends. This hacker was not my friend or my relative and its unfair that neither of the two companies and institutions have failed to refund me my money under FDIC guidelines. Also, I think its poor practice to not provide any buyer protection like XXXX does. The banks are letting these types of scams run rampant because they refuse to ask XXXX, XXXX, or, XXXX protect consumers. I have uploaded two statements from Chase one where a similar scam was done through XXXX by fishing for my information and another through XXXX. XXXX was able to credit me my XXXX dollars alongside with Chase, but then refused in another statement to do the same through XXXX a company they advertise?
Consumer complaint received 2022-11-10
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. (CA)

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Chase Bank, I am writing to request an investigation into several concerns. 

1. I opened this account as a secondary debit/checking account. I am concerned that I am being charged a monthly fee, despite meeting the requirements for a free account. I had to pause work direct deposits for my second part-time job, because I am dealing with some issues of identity fraud. First of which involves inquiries made for a Chase credit card that I did not make. 
2. I was charged an overdraft fee when I called Chase and confirmed that by depositing the cash to cover the fee that I would not be charged. 
3. My roommate has been sending her rent to this account on XXXX, so that I keep the minimum deposit requirements. Please refund the monthly fee and explain why this was charged. 

XXXX regards, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-11-10
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XXXX XXXX an fraudulent charge of XXXX was taken out of my business bank account at First National Bank of Pennsylvania by an XXXX charge. I did not authorize this charge and the fraudulent charge was never questioned by my bank. This charge was way out of the ordinary for my account. The same thing happened to another business in XXXX and we have been working together to try to get our money back. We have contacted many agencies and recently were referred to XXXX XXXX 's office who in turn recommended that we file a complaint with your office. For the first 6 months we were told that we had 24 hours for our money to be returned but recently found out XXXX 's policy is 30 days. We were well within the 30 day period. We have exhausted many avenues and desperately need your help. If you have any further questions I will be happy to answer them!
Consumer complaint received 2018-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/XXXX my home was affected by hurricane Irma. I contacted XXXX ( my flood insurance company ) and was assigned to Mr XXXX as the person to handle the claim. Mr XXXX suggested start removing drywalls in order to stop any mold issues that might come up due to the flood, so I did. The street where we live was flooded and in order to reach the house we must use raised trucks, canoes or military vehicles. 
On XX/XX/XXXX I was issued a check by XXXX for XXXX for damages the house had. I was deceived by XXXX XXXX XXXX  by being told to sing the check and mailed to them so they could send it back to me as soon as possible. I topped my credit cards to the limit, I used a money from my flooded car, I got a loan on my 401k in order I even got loans from my siblings to do the repairs, we did new kitchen and bathrooms, install a water heather, redo the floors, etc. I was trusting XXXX XXXX XXXX to send me back my insurance money and pay all my bills. My insurance money was denied on the basis that I needed contractor documents when I didn't use a contractor. We did all of the work ourselves. We had recently moved to Florida, and I had no idea how things work here, so we went ahead and did the repairs. I constantly told XXXX XXXX XXXX that we did all the repairs ourselves, that we never used a contractor, that we don't have any contractor documents, that we needed our money to pay our bills. All was to no avail. They kept denying our money. 
On XX/XX/XXXX an Inspector was sent to my house by XXXX XXXX XXXX and concluded the all the repairs were done 100 %. After the results from their own inspection, XXXX XXXX still refused to give us our money. I grew frustrated with XXXX XXXX XXXX  and told them that I will stop paying the mortgage, now they're threatening to foreclose on my home. 
XXXX XXXX XXXX  is committing a fraud by deceiving us, by making us believe that they are here to help, at least that is what they said when I contacted them and told them we were hit by the hurricane, and believe me, that is not true. 
After we survived hurricane Irma, and got tired from repairing and remodeling our home, after we got frustrated and upset about about dealing with a mortgage company that enjoy taking advantage of us, it is time to say enough. Enough of  doing business with an unethical mortgage company.
Consumer complaint received 2023-01-24
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. (CA)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-10
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. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.