davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Mailed letters to XXXX, XXXX, and Equifax on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.
Consumer complaint received 2017-10-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (DE)

Payments have been made every month, but Shellpoint Mortgage Servicing has continually claimed it was not paid. It has been months of dealing with this issue and they always ask for bank statement proof that it was paid. It has been emailed over numerous times and they send a confirmation email and then later say that they never received the email. They now say we owe three months when we have made every payment except for the one due in XXXX ( it wo n't allow us to pay just one month, it 's requiring us to make two that we have already paid ). They have given us the runaround for months and have now added an additional " missed payment '' and destroyed our credit.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

Contacted Expirean to remove disputes off of accounts on credit report, they told me to contact the creditors. Did that then they told me to contact expirean. Then expirean told me only the creditors can remove the disputes. I have been trying to get this done for the last month so I can get a mortgage, but I keep getting an excuse they ca n't do it. I just want it removed ASAP.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : US DEPT ED XXXX Balance : $ XXXXUS DEPT ED XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-16
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. (IL)

XXXX XXXX XXXX was bought out by XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX did not take on the credit cards associated with XXXX XXXX XXXX, had been a customer for since XX/XX/XXXX, never late with a payment ever. We were told that we could no longer stop at the bank to make our payments, this is where the fraud started if you contact XXXX it is credit card services, located in XXXX Texas, under the name of XXXX XXXX XXXX that no longer exists, they will tell you after you keep pressing the option after making the call double XXXX, 2 times you are transferred over, I had mailed check payments to an unknown address only a XXXX XXXX XXXX and they were returned, this bank has traumatized numerous customers especially myself and they need to be investigated asap.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ( XXXX XXXX ) ACCT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-13
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 appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If XXXX, XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-02-09
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: TRUIST FINANCIAL CORPORATION (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (IL)

I recieved a phone call from an agent with Exeter Finance LLC on XX/XX/XXXX at XXXX. After some conversation about a payment arrangement date, he began threatening me and saying that I was going to be breaking my contract. After he said that I would breach my contract, I began to ask him about the terms and conditions on the contract. I then told him according to the contract that the Ceo of Exeter Finance had sent out via the last cfpb complaint number XXXX, I saw two different total amounts financed and different numbers regarding the time of the monthly payments and total amount financed in the Federal Truth in Lending section. He then argued that he did not see that on the contract. I then asked who is Exeter Finance Corp and he said that used to be the name of the company. I then asked when and he could not tell me. He said that his higher ups passed the information down. I then said if that is not the name of the company, then why is that name on the retail installment contract? He couldn't answer the question. Also referring to complaint number XXXX, I asked him again about the four calls within a 2 hour period and I told him that it was harassment and excessive according to 15 USC 1692D5 . He said he had no knowledge of that call.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXXXXXX  I disputed my XXXX XXXX  accounts for violating several fcra rights and my privacy rights. XXXX removed the the account but on XX/XX/XXXXXXXX  I received a notice that my accounts is delinquent which is false. FCRA usc 15 1681 ( e ) ( b ) has been violated by all CRAs transunion XXXX and XXXX. Why didnt transunion and XXXX remove this account that violated my fcra right? And how is XXXX reporting a deleted account delinquent.
Consumer complaint received 2022-07-13
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. (NY)

The account listed below is reporting on my file and was found in my reports with TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency is not complying with federal law in regard to identity theft. Additionally, Transunion has not provided me with any evidence of an open contract signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (NY)

In XXXX, XXXX I got approved for {$15000.00} loan, {$14000.00} been transferred to my bank account the last week of XXXX. 
It was 36 Mo. term loan with % 29.67 interest rate & % 34.53 APR. I started paying XXXX, XXXX, XXXX. I was great customer for 14 ( Fourteen ) consecutive months until XXXX, XXXX. Every month {$630.00} goes from my bank account to the lending company with No problem, Fourteen straight months No late fee or anything. I work as an XXXX XXXX, I filled for unemployment, but I didn't receive any money until today. I tried to contact the lender several times, No response, ONLY, a message that tells people how great this company is, and how they are complying with the federal government regulations, and how they are here to help .... and on and on. I went to their website and emailed them through their page. Said that I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. This Email was three days before the XXXX payment due. I called my bank to make a stop payment for this amount, because if they ignored my email that I sent three days before, they won't be able to withdraw money from my account. I wasn't sure when I will be able to have more money in my account, and what ever was in my bank account need to be saved for rent, food, and more important items. 
I received an email in XXXX, XXXX, XXXX that said they weren't able to withdraw the payment for my account. I replied to this email with the same message I sent through their website ( I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. There was a link to defer plan, I applied for it, they said that they will get back to me within 10 days, but No one did. I couldn't make a payment for the month of XXXX. 
They didn't send an email this time or tried to contact me to find out what happened, especially I was a great customer for 14 months. I assumed that they understood my financial situation, but NO, last week I received a letter from a COLLECTION AGENCY. can you believe that. I called and I gave them what they deserve, they said they will review my case and get back to me, that was last Tuesday. Now I need to know what can I do, I didn't pay the rent for the month of XXXX or XXXX, I didn't receive any money from the unemployment yet.
Consumer complaint received 2023-02-28
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the disputed items will be updated immediately : 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 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 2022-07-13
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: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-09
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2024-02-09
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnionis reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-09-02
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: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from First National Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. First National Bank violated federal law. see 15 USC 1681b A2. I did not give First National Bank Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.