davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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: JPMORGAN CHASE & CO. (NV)

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX  It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

( 1 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX( 2 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Personal statement ( s ) XXXX & XX/XX/XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has terrible terrible terrible customer service and I will continue complaints every time my account has an issue, which their customer service team doesnt care to properly handle - at the 1-800 number. 
My account had a {$61.00} pending charge from XXXX  for 7 days. This cause several overdrafts even though the funds were on hold - that should have been released!! 
Furthermore, someone at Bank of America took off the {$170.00} leeway that had been added to my account, as the result of a past CFPB complaint and changed it back to {$0.00} - causing returns of all unpaids!! 
A deposit came in today for {$170.00} and BOA still processed another {$35.00} NSF based on a {$4.00} overdraft to a check that should have been paid. 
If BOA wants to keep the nasty customer service going, Ill keep the government complaints coming. 
Im tired of this!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (GA)

I had a collection account with Sunrise Credit Services where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor XXXX XXXX, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact XXXX XXXX. I have contacted XXXX financial on multiple occasions, and they have told me the debt was purchased by Sunrise Credit Services.
Consumer complaint received 2024-06-17
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-01-23
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. (MS)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies is XXXX did not modify or removed anything from my credit report ( Driver License and Social Security Information was sent by mail. Here is my tracking XXXX and XXXX. It has been over 30 days. 

The date is not correct, date last is not correct on XXXX reports, date of last payment is not correct on XXXX credit reports which violates my rights. 

Which is a violation. This impacting me from moving forward to buying a car.
Consumer complaint received 2021-01-13
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. (NV)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-13
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-01-23
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. (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 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 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 2021-01-13
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. (CT)

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020 Its been 60 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion and XX/XX/XXXXXXXX XXXX 1. XXXXXX/XX/XXXX XX/XX/XXXXAcct # XXXX 2. XX/XX/XXXXAcct # XXXX 3. XXXX Acct # XXXX XX/XX/XXXXXXXX XXXX 4. XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Inquiry on XX/XX/2020 7. US SM BUS ADMIN ODA Inquiry on XX/XX/2020 Please remove these items from my credit report. They are displaying false and misleading information about me!
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

MY FCRA RIGHTS HAVE BEEN VIOLATED. These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX XXXX XXXX, Equifax & XXXX XXXX XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2021-01-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing because I am not getting any where with Transunion and XXXX in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXX. XXXX  removed this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX XXXX XXXX team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore XXXX  and Transunion is reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.
Consumer complaint received 2021-01-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (OH)

Commercial trade inc falsely reported something on my credit report belonging my to someone with a similar name. I filed a complaint previously with cfpb and the company responded on XXXX that they had removed the information on my credit report. Or XXXX they verified the information as accurate with the credit reporting agency, despite it being not accurate as they implied by saying they removed it from my credit report. I have given this company multiple opportunities to do the right thing and remove this false information from my credit report but unfortunately now I have no choice but to sue them since they insist on reporting false information as being accurate.
Consumer complaint received 2020-03-10
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. (IL)

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. 


Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? 

Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. 

Have you attempted to resolve this dispute with the merchant? 

IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? 

IF YES Answer the questions below no What was the value of the service/merchandise received? 

n/a
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE CRIMINALS FORCE YOU TO PAY FOR THINGS YOU DO NOT PURCHASE FOR THEIR OWN PROFIT and GAIN Their hatred to the limited customers left is CRIMINAL. 
FAILURE TO DO JOB IN PROFESSIONAL ( LEGAL ) MANNER IS CRIMINAL. 
Extortion is what they like to do because the hate YOU. 
Racketeering against people is their trade mark. 
EVER SINCE THEIR FLY-BY-NIGHT COMPUTER SYSTEM WAS HACKED THEY GO OUT OF THEIR WAY TO OVER-CHARGE THEIR CUSTOMERS, $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEEEXTORTION - RACKETEERING - CAPITAL ONERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - EXTORTION - RACKETEERING - CAPITAL ONERACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (WA)

I paid off my truck on XX/XX/year>. I notified Chrysler not to take money out of my checking account and got a confirmation number XXXX that my auto payment was canceled. 

On XX/XX/year> Chrysler made an illegal transfer from my checking account of {$500.00}. 

I contacted customer service over chat and demanded an a refund as this was bank fraud. I owed them nothing, I revoked my auto payment, they confirmed it, and then they took money out of my account causing financial hardship. 

Today they said it will take 2 to 3 weeks for a refund for the illegally withdrawn monies. This is criminal. I did everything I was supposed todo and they still took monies they were not entitled to. 

Further, I had not debt owed to them, my truck being fully paid off, yet they took it anyways. I want my money and damages for this illegal fraud they committed, as I am sure they do it to many people all the time and think its ok to hold hostage my money for 2 to 3 weeks, not paying interest on it or answering questions about why they illegally transferred money from my accounts.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (OR)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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