davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.
Consumer complaint received 2023-10-16
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 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$670.00} XXXX  XX/XX/2023 XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Origen Capital Investments II, LLC (OH)

Attorney XXXX XXXX is the representation for Origen Capital Investment XXXX XXXX XXXX XXXX XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against Capital Investment and  XXXX XXXX
Consumer complaint received 2019-06-17
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. (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.
Consumer complaint received 2022-05-25
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. (NC)

XXXX2019- {$2600.00}. XXXX/2019- {$2600.00}. 
XXXX/2019XXXX 
Filed a Consolidation with XXXX  XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Consumer complaint received 2022-05-25
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. (NC)

XXXX {$2600.00}. XXXX {$2600.00}. 
XXXX. 
Filed a Consolidation with XXXX  XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

We purchased our home in 2017 with XXXX XXXX XXXX .We were never notifies that our home had been sold to a debt collector. Our home was in good standing and we weren't behind on any payments .We would like some information from Shellpoint Newrez of our signature indicating that we signed a promissory note with them as well as us signing a contract with them .Our payment with XXXX  was {$1500.00} and now since being with Shellpoint our payment is now XXXX we were never notified of any of this .We do know that we are protected under Fair Debt Collection Protection Act .Please Assist us with this thank you kindly .They also are charging us for Hazard insurance.
Consumer complaint received 2021-12-11
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. (KY)

A company, XXXX XXXX, purchased and reported a debt from XXXX years ago as a collection account on XX/XX/2021. I filed XXXX XXXX bankruptcy, which was finalized XX/XX/2021. I contacted the collection company and credit reporting agencies. It was removed on XXXX and XXXX, but not Transunion. I have submitted and been unsuccessful with XXXX disputes. I called Transunion after the 1st dispute was reported as an accurate debt. XXXX XXXX claimed they removed the debt from all three agencies and thats when I opened a 2nd dispute with Transunion on XX/XX/2021. This once again was deemed an accurate reporting on XX/XX/2021. My XXXX XXXX initially dropped XXXX points and I am still unable to pass a credit check to obtain housing over XXXX  months later.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NV)

I called 7 times in last month, faxed emailed over XXXX times last year and they refuse to talk over phone. Why? They know they have to pay out and were wrong, now they illegally reported my to TRANSUNION which they reported positive for over a year and my account been closed for over a year, this is not ONLY ILLEGAL, but my credit dropped over XXXX points and now I can not get my car loan or job I Was up for this, this is so serious, I will have to now ask for XXXX dollars if they do not call and fix both issues asap. This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost XXXX with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Consumer complaint received 2022-09-27
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. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 an account without my written consent. 

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 2024-03-10
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681XXXX. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CO)

I received a XXXX credit card in the mail that I did not apply for on XX/XX/23. I contacted Chase that day and they cancelled the card and said they reported it to the credit bureaus as fraudulent. They advised that the card had a XXXX balance and had not yet been activated. 

I also got a phone call the same day from the fraud alert team at Chase regarding a checking/savings account. I reached out to that division of their fraud department and they closed a fraudulent account there as well. Had I not received the credit card in the mail, I may not have followed up on the fraud alert phone call, as I thought the phone call might be a scam ( since I had not opened a Chase checking/savings account ).
Consumer complaint received 2024-03-10
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. (FL)

I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 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. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-25
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. (TX)

Someone fraudulently took a loan out using my information. I disputed many times with experian. The most recent dispute I provided a police report and an identity theft report. Plus, I have a fraud alert and a freeze on my credit. If I was not an victim of identity theft why would I have the freeze and fraud alert? My dispute was denied even though I submitted a police report and I identity theft report. I do not know who took the loan out using my information but it is not fair that this credit reporting agency is continuing to victimize me by allowing this fraudulent account to stay on my credit. Also, they are victimizing me because they are pretty telling me I'm lying even tho I submitted proof that the account was obtain by identity theft. The account that is fraudulent is the Investigative reporting collection on the account. I did not obtain this loan, it was taken out using my information. I provided proof.
Consumer complaint received 2024-03-10
Product: Credit reporting 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)

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over XXXX years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have XXXX  reported my transaction history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are XXXX  adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in XXXX reporting transactions history. 

PLEASE UPDATE
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, On XX/XX/22, I contacted XXXX XXXX XXXX company to inquire about a collection on my TransUnion report. The agent advised me that they do not have a collection and that I needed to send a screenshot of the erroneous reporting to TransUnion, which I did that day. 

Now, more than two months later, I am still seeing the collection on my TransUnion report. XXXX XXXX is stating they can not do anything about it because it's not in their records, and TransUnion never responded to my letter.
Consumer complaint received 2023-10-16
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX : {$18000.00}.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (MO)

After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.