davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Hello, My husband received his EIDL on XX/XX/XXXX to an account he specifically delegated to the loan. He then transferred money to our joint account so we could pay bills related to his real estate business. Chase bank immediately froze all our accounts. ALL. Chase is demanding that we either supply a EIN, which doesnt exist. The loan was qualified using his SSN. Or a 1040 with a itemized profit and loss which he doesnt have either. Just a 1040. Chase said they will close the account and keep the money until their requirements are met or if we give back the money to XXXX which is fine. But, XXXX says Chase needs to send the money back and Chase says XXXX needs to take the money. 
Ultimately we would like to keep the money as it will help us stay afloat but if we have to send it back thats ok too. But our hands are tied and Chase is stealing peoples money. We are not the only ones. 

Thank you,
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-07
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my Equifax report as well so in order to correct the inconsistencies between the Experian, XXXX and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXXXXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX, Transunion and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2022 I sent Experian and XXXX a letter asking the method used to retrieve a bankruptcy they are erroneously reporting on my credit report. They never responded. 

I went directly to XXXX to dispute the item in question and XXXX could not verify this item so they deleted it from their database. 

By way of this complaint, I am again reaching out to Experian and XXXX to show them the deleted bankruptcy from XXXX and informing them that if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. Refusal to delete this item is impeding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it cant be verified.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX And : Nissan Motor Acceptance Corporation XXXX. XXXX  XXXX XXXX, Texas XXXX In XX/XX/XXXX, I purchased a new XXXX XXXX  from the XXXX XXXX dealership and financed by Nissan Finance. 
There were faults with the front-end, which posed a danger to my life as well as my family. 
On at least three occasions I returned the vehicle for corrective actions but no sincere actions were taken to fix the problems.

During the Covid-19 development in XXXX XXXX, and the need for a safe vehicle, I was forced and confusingly given a more costly XXXX XXXX ( new XXXX ) vehicle. This entire misleading transactions left me with a high balance of {$45000.00} plus and an interest rate of over {$500.00} monthly. 
This type of negligence and deliberate breaking of the Arbitration Agreements have damaged me financially and the company must be held accountable.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CO)

I received a letter in the mail from Lexis Nexis Risk Solutions dated XX/XX/XXXX. 
Titled Colorado XXXX XXXX Notice. 
It said I was receiving the letter because : " [ 1 ] report ( s ) of negative information added to your file. '' I immediately went on their website as instructed in the letter and request a copy of the disclosure report. 

On XX/XX/XXXX I received a letter in the mail stating that they couldn't process my request. 
I emailed them explaining the situation on XX/XX/XXXX, and they responded with a boilerplate email containing information that did not address my concern about what they would need to process my request for the report. I replied to the email on XX/XX/XXXX and received the same boilerplate response again. 

On XXXX I completed the online request again, trying to see if I could decipher what the issue might be with their inability to process my request. I got the same boilerplate letter in response again today. 

I have also tried to call them on the phone and get only a recording that loops over and over again. 

It is as if there are no actual humans working for this credit reporting company. 
They are completely unresponsive and unprofessional.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 2020-11-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (MD)

I have been under contract since XX/XX/XXXX. My first closing date was XX/XX/XXXX. I submitted all requested documents, was conditionally approved, had the home inspected, and paid for the appraisal on XX/XX/XXXX. When I paid for the appraisal was the last I heard from Annie Mac Home Mortgage ( company NMLS # XXXX ) until XX/XX/XXXX when my loan was outright denied due to me being paid on commission. My loan officer, XXXX XXXX, was made aware of how I was paid in early XXXX and did not give me any indication that this would cause a problem. He never communicated with me at all. I found a new job in a few days and started on XX/XX/XXXX. The new closing date was set for XX/XX/XXXX. Since then I've had to : 1 ) request a copy of the appraisal report because I was never sent it, and I was asked to sign the disclosure saying that I declined to see it. 
2 ) provide complete account information for my grandmother 's bank account to validate gift funds, as opposed to 30 days transaction history like they requested. 
3 ) provide full account information for my father in law 's bank account and his business account to validate gift funds, as opposed to 30 days transaction history like they requested. 
4 ) resubmit my bank statement from XXXX because that was not given to the underwriter. 
5 ) resubmit my PIF letter for my car because it was not given to the underwriter. 
6 ) submit the invoice for my engagement ring to prove I'm engaged. 
7 ) submit photos of my engagement ring to prove I'm engaged. 
8 ) write and sign a letter stating how I'm qualified for my job and show my GPA in university to prove I'm able to remain employed. 
9 ) resubmit my father in law 's business bank statement because the processor, XXXX, said he never received it. 
10 ) make a dedicated social media post about my engagement because they still did not believe I was engaged. 
11 ) submit my fiance 's birth certificate to prove he and his father are related, which was rejected for not being an American document. 

I have emails regarding all of this information. The gift funds were present in my account all through the month of XXXX for the original closing date of XX/XX/XXXX and none of this information was requested. Nothing was communicated, they never spoke to me. I attempted to resolve my confusion with the company, sending emails to XXXX, XXXX, XXXX, and XXXX, on XX/XX/XXXX and it took four days of my fiance and my realtor calling XXXX to get him to answer me- and when he did, none of the information he asked me for fulfilled the requests of the underwriter. At this point this company has all of my and my family 's bank account information multiple times over and they are clearly untrustworthy. The lack of communication and the increasing stakes of the documents being requested- as well as discriminating against my partner- is unacceptable. I am supposed to close Friday and I still have not been cleared to close, and no one is responding to my complaints.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Consumer Telecom & Utilities Exchange, Inc. (PA)

I entered my information for utility account freeze to protect my credit. However, after I entered the information online I did not receive a 10-digit pin that is required to unlock/change options and it just went ahead and froze my information. 

The company does not have an answering phone and there is no email address to get help. I followed their instructions, reluctantly because it required sending my personal information ( name, address, dob, ss #, and 2 identifying documents - electric bill and pay stub ). I sent this information on XX/XX/XXXX via US mail to : Exchange Service Center XXXX XXXX XXXX XXXX, GA XXXX I requested a 10-digit pin as well as requesting they unfreeze my information if they were able to do so. 

As of today, XX/XX/XXXX, I have not received a pin, have no idea if they received the information I sent, or if it is being processed. It has now been more than 2 months since I mailed my personal information. Because there isn't an answering phone number or email I am unable to follow-up to determine if they received it and the status. I just want my pin to cancel my relationship with NCTUE and unfreeze my credit.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I started to receive emails from Bank of America stating that I need to fund my new checking account. Im a former Bank of America employee, I left about 12 years ago and outside of a credit card I closed out my entire relationship. My ONLY communication with them since then has been the occasional balance transfer. However, there appears to be a checking account that was opened by them and in the fine print it says if I dont fund the account Ill incur fees. 

I work as a XXXX XXXX XXXX two blocks from the local Bank of America so I attempted to resolve this in a civil manner by reaching out to schedule a phone appointment but they never contacted me.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On or around XX/XX/XXXX I noticed something on my credit report for a balance of XXXX XXXX I called the collections agency and they told me my account was being handled by XXXX XX/XX/XXXX. I called the law office and spoke with an account rep and she notified me that I needed to pay the amount above. I disputed the account over the phone with her that same day. I also sent out dispute letters regarding the account to both offices ( national credit systems ) to verify the debt. I called the law office today XX/XX/2020 to see what the progress was, and the account has not been investigated at all! They can not verify the debt that it is in my name! In breach of the fcra! I can not speak to a supervisor on either companies because all they do is hang up!
Consumer complaint received 2022-05-01
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX. Acc # 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 account without my written instructions
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (GA)

I'm currently in the process of buying a house and unknown collection account showed up on my credit report and dropped my score drastically I've never heard from this company I've never gotten any emails phone calls or any letters from them stating that I owed the date, it was placed on my credit without any notification about it, the company is paramount recovery systems
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (KY)

I received a letter from a debt collection agency, Credence Resource Management , LLC. Upon receipt of this letter, I contacted the company via email to verify the debt this was in regards to. I received a response that stated the creditor reviewed my concerns and the debt was valid. I responded again via email requesting for an outline of the charges to be reviewed. The attachment I was sent was for a customer that lives in a different state but has the same name as I do. I responded to inform the debt collector that there appears to be a mix up as I was sent the wrong consumers account. I am highly concerned after receiving another individuals full account statement and I offered to verify any identifying information necessary to the debt collection company to get this sorted out but the only response I received appears to have been auto generated and very generic not addressing the true issue at hand. I hope that the other consumer did not receive my personal information due to this mix up but Im honestly not sure how I could verify if that occurred or not. I appreciate any help provided to get this sorted out and hopefully prevent this from occurring to other consumers going forward.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (VA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove 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