davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (TX)

I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows XXXX separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.
Consumer complaint received 2022-03-30
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. (PA)

XXXX XXXX is violating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AL)

XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX SYNCB : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2022 Capital One claims i made a deposit not in my name which triggered a fraud investigation into my account. The deposit was from XXXX and the USERNAME was not real name but the information used to verify that account was all of my real information. My account was closed on the XXXX of XX/XX/2022. However the account did not actually get closed out until XX/XX/XXXX. It is now XX/XX/XXXX, I have received a check for the interest payment of {$1.00} from my deposit of {$2000.00}. However there is no information or contact from the insitution on when I will receive my funds.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-04-05
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. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-05-01
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)

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I had lost my debit card somewhere between Tuesday, XX/XX/XXXX19 XXXX and Wednesday, XX/XX/XXXX19 XXXX. I had used the debit card on XX/XX/XXXX19 at XXXX, {$480.00} at a casino atm using my PIN. I did write my PIN down on a sticky note. Along with 2 other credit cards, I lost the debit and PIN. 3 unauthorized charges were made and I reported everything within 24 hours, told them I had written the PIN down. Chase submitted a claim and told me a temporary credit will be given in 12 hours. I was assured that would be done. 12 hours later, nothing. I called and was asked to wait another 12 hours after the charges have been posted. It is now Wednesday, XX/XX/XXXX and nothing. I was told the charges just posted so itll be done by the end of the business date. XXXX nothing. Was told yet again to wait. Thursday, XX/XX/XXXX19 morning I called again and was told the temporary credit was never approved and the bank has XX/XX/2019 to provide temporary credit. Wouldnt give me emergency credit for 200 citing that my account is new and they need to investigate. Went into the branch today and was given 100 as emergency. However they advised me that I would probably get denied because I lost my PIN. Also I have alerts set up in my account to notify me of transactions involving my debit card if it exceeds {$1000.00}, I was never notified. I do, however get notified everytime my balance drops below {$50.00}. Chase security never caught the 2 {$1000.00} purchase/withdrawal as possible fraud especially if my account was new. 

I reported the lost of both PIN and debit card within 48 hours. I was honest about losing my PIN. I was assured a temporary credit will be issued within a certain timeframe and never happened. Now I fear I may lose my claim because I lost the PIN with the debit card. I thought I had federal protection against liability even if my PIN was lost? Im fearful of what Im going to do if I lose the {$2300.00}. The bank is giving me the runaround and making me wait. The bank neglected to contact me for these transactions. I need help to fight with the bank. This is not right.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX # XXXX is reporting a balance on a closed account XXXX XXXX XXXX # XXXX was paid in full and show as charged off 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.

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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-01
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. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery associates continually calls me on a number I have told them repeatedly not to contact me on. Each time they call its from a different number. Ive told them to send me information in the mail and that they are NOT to contact my by phone. The last time I spoke with them I told them I would be reporting them and calls ceased for about 2 weeks. I came home today to find that they had resumed.
Consumer complaint received 2023-07-06
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)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I have a Citi Bank Visa Card. It has a large credit balance on it since XX/XX/21 and I have asked 3 times since then to have this money returned. I have spoken with two supervisors at XXXX and one supervisor at XXXX. I have been told that my request has been pended until XX/XX/21 and after review, it will take 3-5 business days to return my credit balance to my checking account. I find this to be unacceptable in as much as they were able to take funds from my checking account in just 2 days. Why will it take over 2 weeks to reverse the process? I have verified the dating of these activities and Citi 's own online system shows a credit balance as of XX/XX/21. I am most unhappy with the way this credit card company is handling this situation.
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

OnXX/XX/XXXXIwired{$140000.00}toXXXXXXXXXXXX.Ihadthewrongaccountnumberonthewire.MybankshastriedtorecallthewirethroughthewiresystemnumeroustimesandXXXXXXXXhasrefusedtoallowtherecallandreturnthefundssoIcanwirethemoneytothecorrectaccount.ThewirewassupposedtogotoMs.XXXXaccountingendinginXXXXXXXXXX.WeleftoffthefirstthreenumbersandsentittoXXXXXXX.InspiteofthenamenotmatchingtheaccountnumberandtheproblembeingobviousXXXXXXXXhashadthemoneyfor3weeksandstillhasnotreturnedit.

Thisislotofmoney.Canyoupleasehelpmeandinvestigatethis.Howmanyotherpeopledoesthishappento?IhavetriedtocontactthebankeverydayandtheonlypersonIhaveeverspokentoisXXXXXXXXat(XXXX)XXXXext.XXXX.Afterintitiallyspeakingtomeshehasnotreturnedmultiplecallsforthelastthreedays.IhavealsoemailedtheheadoftreasurymanagementXXXXXXXXatXXXX.Ineverreceivedaresponse.

Pleaseinvestigatesootherpeopledon'thavetogothroughthis.Theyknowwherethemoneyisandtheyknowitdoesn'tbelongthereandtheywon'treturnitandwon'teventalktomeboutit.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (OH)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

National credit adjust account # XXXX Violated 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet XXXX  somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX  is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account XXXX XXXX XXXX has committed. This goes for TransUnion as well for violations
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXX*THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covidXXXX  XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

- On XX/XX/XXXX of XXXX my bank card was charged with unauthorized transactions of {$5900.00} at XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. And & {$600.00} was withdrawn at Chase bank ATM. Ive contacted the bank same day and the restricted my account and they stated that there will be a refund for the unauthorized transactions. Couple days later the filed claim was closed and no credit was received. I called the bank again and they informed that this case is closed because my card was used meanwhile my card was in my possession and i did not authorize any of these transactions. I received an email from chase asking me to confirm or deny the transaction but I declined it but they still processed the unauthorized transaction. 

At the time XXXX have swapped my number to someone else without me knowing about this, my phone services were off and i was unable to access my XXXX and bank account.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Inquire date XX/XX/XXXX Hard Inquire not mine asked to be removed told it was not me still said no XXXX XXXX  Hard inquiry XX/XX/XXXX Not mine asked to be removed said no XXXX XXXX  Hard inquiry XX/XX/XXXX Not mime aske door removal said no XXXX Hard inquiry XX/XX/XXXX Not mine Told them it was not me they said they would not remove XXXX XXXX Hard inquiry XX/XX/XXXX Not mine asked for it to be removed they said no XXXX XXXX XX/XX/XXXX Hard inquiry Not mine said they would remove didn't XXXX Hard inquiry XX/XX/XXXX Not mine said they wouldn't erase XXXX XXXX Hard Inquire XX/XX/XXXX Not mine said they would erase didn't
Consumer complaint received 2022-08-16
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I opened a Dispute on XXXX website with JPMCB ( JPMorgan Credit ) whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a Federal Prison, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico where I notified them of the crimes against me. Further, I included the XXXX XXXX documents from First Judicial District Court in XXXX XXXX, NM where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was XXXX and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. JPMCB and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While XXXX, all my accounts were assigned to the address in New Mexico of the perpetrators of theft against me ; this is fraudulent, as I never lived in New Mexico. I have always been a citizen of Texas ( except for 4 years I spent in a Louisiana prison during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of Texas and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Consumer complaint received 2019-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Earlier this year, I applied for and received a homestead exemption from the State of Florida under Fla. Stat. 196.031 to .171. The exemption reduced the taxable value of my home by {$50000.00}, resulting in a reduction in property tax on my home of about {$320.00} per year. 

I forwarded a letter from my local tax office which reflects the new exemption and estimates my XXXX tax liability to Freedom Mortgage, my mortgage servicer. I requested that the company recalculate my escrow and refund me the estimated overage. 

Roughly six weeks passed without any acknowledgement or answer, so I called to inquire about the status my escrow analysis request. 

Freedom Mortgage is refusing to honor the letter, and instead insisting on using the XXXX tax bill to estimate my XXXX taxes, despite the letter from the tax authority stating that my XXXX taxes will be approximately {$320.00} less than XXXX. 

12 C.F.R. 1024.17 ( c ) ( 7 ) states in pertinent part : " If the servicer knows the charge for an escrow item in the next computation year, then the servicer shall use that amount in estimating disbursement amounts. '' I believe that Freedom Mortgage is intentionally over estimating my escrow and violating 12 C.F.R. 1024.17 ( c ) ( 7 ).