davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
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. (FL)

I have an account that is showing charge off in my credit report XXXX XXXX XXXX I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with XXXX XXXX XXXX I dont understand why they continue to show that my account was charge off by them when the account was charge off by XXXX on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 Chase closed my business checking account XXXX XXXX XXXX XXXX for undisclosed reasons. The XXXX loan applied for by the company is going to be deposited in the business checking account as well as a tax return. Chase is claiming the account will be closed in 7 days. Now I have no way of accessing those funds when the funds are disbursed. What is the reason for this decision? Please overturn the decision. The business is facing hard times in this pandemic.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened an account but at the time of depositing some checks with the application they were not accepted and they closed my account still with money inside, due to an alleged fraud, I have gone several times personally to the bank and also called online but they do not solve anything, my money is lost, Ive been trying to call for weeks
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (GA)

upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Jewelry, cameras, and computers XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Equifax I want these items to be remove from my credit report immediately.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc. (PA)

ORDER- I am demanding extinguishment and a full accounting for both ledgers as i was never given full disclosure of the nature and cause NOTICE OF DISPUTE Dear [ CFPB ] : Thank you for the statement of [ XXXX, XXXX ] that your institution recently sent me, expecting payment for an alleged debt. 

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. 

After reasonable inquiry I have concluded that [ FINANCE SYSTEM ] is in breach of the alleged agreement. The following facts support my position in this matter : 1. XX/XX/XXXX ] failed to disclose to the alleged consumer XXXX XXXX XXXX XXXX XXXX hereinafter consumer ) that XXXX XX/XX/XXXX XX/XX/XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby [ FINANCE SYSTEM ] did not perform under the agreement and risked nothing of value. 


XX/XX/XXXX FINANCE SYSTEM last reported XX/XX/XXXX open balance : {$190.00} original creditor :XX/XX/XXXX account status : open opened : XX/XX/XXXX FINANCE SYSTEM Last reported XX/XX/XXXX open balance : {$140.00} opened : XXXX XXXX account status : open Original creditor name :XX/XX/XXXXXXXX XXXX XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor XX/XX/XXXX XXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$140.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00} Date Opened : XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor : XX/XX/XXXXXXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$190.00} Balance Updated : XX/XX/XXXX Original Balance : {$190.00} Date Opened : XX/XX/XXXX I had removed these before but they somehow got putt back on my report i have no knowledge of these accounts please cease all things that are against me CFPB
Consumer complaint received 2021-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this account several times but the bureaus are not responding accurately. I told them that I do not recognize this account and also demanded a proof on how they dealt with the information that they indicated on my report but still they did not deleted this account.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PayActiv, Inc. (NV)

I used the company Payactiv 's services offered through my employer during a duration of 3 payperiods. 
payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$13.00} includes {$1.00} fee Deductioned from paycheck {$14.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$200.00} includes {$3.00} fees Deducted {$140.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$160.00} includes {$4.00} fee Deducted {$340.00} YTD total {$480.00} Took 90 % of my paycheck Requested an itemized list or statement of transactions and any applicable fees and company refused to send a hard copy only offered to verbally give it to me. They did send me a statement from their card the pay advances get deposited to ( see attached ) but the math doesn't make sense and the company won't provide me transaction statement on my account
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP (MO)

Security Finance Corporation sold a debt ( I DID NOT OWE ) to XXXX XXXX XXXX. I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

When I contacted Security Finance about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that Security Finance was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to Security Finance who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

Security Finance inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with XXXX XXXX and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NY)

On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to withdraw {$200.00} from an ATM operated by XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. I had successfully made three previous withdrawals of {$200.00} each, but during my final attempt, the ATM went out of service and did not dispense the cash. Despite this, my bank deducted {$200.00} from my account. 

I contacted the ATM manager, who confirmed that the ATM was out of service during my last transaction and that the cash was not dispensed. They advised me to file a dispute with my bank and provided me with a reference number for the ATM ( XXXX # XXXX ). 

On XX/XX/XXXX, I contacted my bank ( Chime ) and provided them with all the relevant information, including the reference number. They assured me that they would call the ATM operator for verification and would process an E-regulation dispute on my behalf. The bank provided me with their reference number for this dispute ( Reference # XXXX ). 

However, on XX/XX/XXXX, I logged into my account and discovered that my claim had been denied. When I inquired about the denial, I was told that the bank could not provide me with specific details regarding the claim. I have attached the receipt from the ATM manager that shows the transaction did not go through.
Consumer complaint received 2021-02-09
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)

In XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I called about obatining a free credit report form all three credit agencies on XX/XX/XXXX. I spoke to a representative and told him about the e-mail breach scandal that was in the newspapers in XX/XX/2020 about XXXX XXXX in XXXX  ( my former employer ) and another hospital. I was one of several victims in that breach. He empathzed and tried to get me to do the request online. I told him several times that I was having issues with internet and phone ( which are tied together ) at home. He processed the requst for alll three credit reports. I got 2 of 3 reports 10 days later ( Equifax and XXXX ). The information on both are incorrect. The Equifax page 1 and 2 has may last name incorrect ( XXXX XXXX not XXXX XXXX ). Second part of the report page 3 and 4 1 ) does not list proper government id for validation 2 ) 2 addresses are incorrect 3 ) employment history : worked for 4 company since what this fraudulent document is stating ; also it reports employer as XXXX XXXX when it should be reported as XXXX XXXX or XXXX XXXX XXXX. On page 5, there are two hard inquries for Equifax in two different parts of XXXX. I lived in XXXX for 7 years and I remember it being located in just XXXX. I tried to call Equifax to speak to a live reprensentative, but the IVR kept it all automated. I checked the time on docuement which shows they shuldbe opened. But looking back at XX/XX/XXXX, I realized I called after hours and got a representative for Equifax ( called at desk phone after work ( XXXX ) ).
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NC)

Attention : XXXX credit Bureau And Equifax Credit Bureau : I am providing the additional Information you requested. 

This is my 4th complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report.

Remove : 1. XXXX XXXX XXXX, collections, unauthorized 2. XXXX ( XXXX ) XXXX inquiries, unauthorized This is my 4th complaint filed with Equifax and XXXX and this complaint includes The additional information you requested.
Consumer complaint received 2022-06-30
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. (FL)

My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

The loan was orginated by XXXX XXXX  in XX/XX/2020. 
Principal balance was : XXXX at 3.125 % 30 years fixed loan. 

We have been paying monthly principal+ interest, with additional principal balance of $ XXXX/month. 

We have never been late nor missed the payment. 
The recent statement from Freedom Mortgage reflect different remaining blance. 
I requested the explation, no one reached me in writing to explain what happened. 

This company is really ridiculous ignoring my request and failed to explain why my loan balance is higher than it should be by now. 

Need detailed written explanation why balance is higher that what it should be. 
Who took my money and applied these fund to where.
Consumer complaint received 2022-04-14
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. (PA)

Please refer to the last two complaints that were submitted. After my initial complaint of incorrect information being reported as well as an ADDITIONAL INCORRECT ACCOUNT being added to my report, I now see that my report has been improperly updated as well. In my last complaint, I reported that a closed account from XXXX XXXX XXXX was added to my Equifax report in the amount of {$1800.00}. I have an open account with XXXX XXXX XXXX with a limit of {$600.00} that is open and in good standing, and that is NOT the account that I was disputing. Today, there was remark added to my report stating that I am disputing both of those accounts, which is NOT ACCURATE! I clearly stated that I was disputing the account in the amount of {$1800.00} that Equifax incompetently added to my report while investigating my initial demand to remove inaccurate accounts from my report. Equifax has now put my report at further risk of false reporting and damage as XXXX XXXX could potentially close the open account that has and is in good standing due to MORE ERRORS ON THE END OF EQUIFAX. Please refer to Dixon-Rollins v Experian Information Solutions U.S Dist Court Eastern District PA Case Number 09-0646 ... Memorandum Opinion, XXXX XXXX XXXX. False reporting, whether due to incompetence or any other circumstance, is a direct violation of 15 USC 1681b ( a ) ( 2 ) as shown in this judgment, as is punishable by fine on the end of the data furnisher. I am currently in the process of filing litigation against this company and will seek compensation for punitive damages. False reporting and inaccurate reporting is a direct violation of the law and my rights! It directly infringes upon my quality of life, and is unacceptable.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Subject : Dispute of Inaccurate Chapter XXXX Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the Chapter XXXX bankruptcy entry listed on my credit report. The details of the entry are as follows : Reference Number : XXXX Date Filed : XX/XX/year> Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Joint Asset Amount : {$0.00} Basis for Dispute : Upon reviewing my credit report, I believe that there may be inaccuracies regarding this bankruptcy entry that could be adversely affecting my credit score. Specifically : 1. Joint Responsibility : I would like to clarify the nature of the responsibility associated with this bankruptcy. If there are errors related to joint responsibility or other details that inaccurately represent my liability, I request verification of this information.

2. Discharged Status : While the bankruptcy was filed, it was discharged on the same date, and I want to ensure that this information is accurately reflected in my credit report. It should indicate that there are no outstanding balances associated with this bankruptcy, as the asset amount is recorded as {$0.00}.

3. Impact on Credit Score : Given that this entry is present on my credit report, it may have a significant negative impact on my credit score. I request a thorough investigation into this matter to ensure that my credit report is accurate and fair.

Requested Action : I request that you investigate this matter and correct any inaccuracies related to the Chapter XXXX bankruptcy entry on my credit report. Please provide me with documentation verifying the details of this bankruptcy, including any relevant judgments or rulings from the court. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation and respond to my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-11-21
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. (OH)

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, XXXX & Equifax. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!