davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (OR)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-28
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove this immediately. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-12
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2022-09-28
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 (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AL)

I have received a check from one of my customers my business is XXXX XXXX XXXX XXXX. My business provides XXXX XXXX  for The XXXXXXXX XXXX They wrote me a check from their account. I have just opened an account with Chase and they locked and closed my account. I spoke with my customer who then called his XXXX XXXX XXXXXXXX XXXX XXXX who reached out to me and said they would do whatever to validate the check. That bank offered to call write a letter whatever they needed to validate. I call Chase numerous times and was told because they dont have a phone number in their system I can not access my account and the funds they paid me with will be sent to the state. The only fraudulent activity is with Chase. Myself and my customer along with their bank have gone out of the way to help Chase Bank resolve this. Its obvious their system is flawed and not the one and only way. It boils down to they dont care they dont have time to manually verify the check. Also they will not inform me on how they verify a phone number or how to get the phone number in their system as my customer offered to try and get their phone number in their system to be verified. Why would a check suspected of being fraudulent processed to begin with?
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The. Charges occurred last year and from XXXX - XXXX I contacted the company and Bank of America i even wrote them about the fraudulent transactions and sent a fax but no one has responded or contacted me back about any of it. I had over {$3000.00} in charges that were not mine and nothing has been done and when I call in they say it is too late to dispute the But I tell them Ive been trying since I first seen the transactions but they just issued a new card and said that the disputes would take a while to go back to my account but it never did? Please let me know if this can be corrected please
Consumer complaint received 2022-09-28
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. (CA)

My name is XXXX XXXX, and I am a customer of JP Morgan Chase Bank, as I have held the Chase United MileagePlus Awards credit card ending XXXX since XXXX. 

On XX/XX/XXXX, I fell victim to a scam wherein I was misled into believing that a dearest friend wanted me to send two XXXX gift cards for her in the amount of {$250.00} each, then to email her the photo of the back of each card with their numbers for her nieces birthday that day. I bought the cards ( totaling {$500.00} ) at XXXX using my Chase United MileagePlus Awards credit card. 

Since it turned out a hacker took over my friends email account, leading me into believing it was my friend requesting these gift cards, and I emailed back the numbers, the hacker was able to steal the XXXX money. Ive been the victim of fraud and am also concerned that I maybe the victim of Identity Theft. 

Below, please see evidence for the Police Report filed by my friend XXXX XXXX XXXX on XX/XX/XXXX ; also, of her XX/XX/XXXX Report to the FTC. 

It is my request that JP Morgan Chase Bank investigate this matter and consider this my formal dispute regarding the {$500.00} loss. Please respond with your investigation results to me in writing only within 30 days of receipt of this certified letter. 

I am requesting that the CFPB please investiage this matter.
Consumer complaint received 2022-09-28
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
3. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (FL)

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (TX)

I am resubmitting this. I am not sure how my complaint got my husband 's name ( XXXX XXXX ) attached to it. This account that I created is clearly in my name ( XXXX XXXX ) and I submitted this complaint through the Consumer Financial Protection Bureau with an account also clearly in my name ( XXXX XXXX ) On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had 3 full years of clear and good credit history and am trying to increase and continue to build my credit score. ( which at this time my score ranges from XXXX with the 3 major credit bureas ) I was denied beacuse of my past credit history ( bankruptcy/over 3 years ago ) and with no regard to my recent 3 years of positive credit history. I believe BANK OF AMERICAXXXX XXXX card I applied for - I have been discriminated.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

My wife died in XXXX after XXXX yrs of XXXX XXXX. The mortgage i found was not in both our names. I had to do probate but continued to pay mortgage until I had to cancel her account due to social security. Rushmore Loan management would not let me create a new account or talk to me on the matter even though I had given them the probate papers giving me financial authority over her estate. They rejected my acknowledgement and refused to talk with me. They created an escrow where there was none, took over insurance payments, and Paid property taxes without so much as a discussion. This continued from XX/XX/XXXX until XX/XX/XXXX. When probate was completed and filed XX/XX/XXXX they did not acknowledge me until XX/XX/XXXX by letter. When I called I was told from XX/XX/XXXX until XX/XX/XXXX It was not in the system and they could not talk to me and hang up. Finally they talked to me. I was told I had to fill out application to continue paying the mortgage. It came back as a modification which i paid double what the original mortgage was for XXXX months. Then they would let me know what the mortgage would be. They came back with what was XXXX principal to XXXX and a XXXX a month mortgage. Then XXXX mortgage in the end of XXXX which I paid XX/XX/XXXX for XXXX they said for XXXX. So they put me a month behind.
Consumer complaint received 2022-09-28
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. (LA)

I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

My phone and bank cards was stolen I called the bank and told them there was some unauthorized charges on my account I point the one out from cash that I didn't do or use. So I waited 94 day for answer. They refused to tell me anything or haven't sent me a email or letter about my case. I started sending emails tell them I'm going to file a complaint on them then they told me my case is close. I'm still waiting on the reason my case got closed.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

I have attached a letter that i have been a victim of identity theft and fraud in my bank account. I have supplied all documentation to US Bank informing them that I am a victim of identity theft, there were multiple eft ach debits taken out of my account from XXXX XXXX and XXXX XXXX XXXX XXXX. Upon contacting the companies and sending my information over they used my maiden last name different social and other fraud information to obtain 2 rental properties. I have suplied the documents to US bank s well as proof of my residence since XXXX i would like this matter investigated and in the attachments you willl see all of the information supporting clearly this is a case of fraud and identity theft charges started XX/XX/XXXX and ended XX/XX/XXXX.
Consumer complaint received 2024-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

Original creditor was XXXX. I couldnt keep up with the loan payments and defaulted on the loan which led to the vehicle being repossessed on XX/XX/year>. Approximately one year after the repo I received a notice from AZ Attorney General advising me of a lawsuit against XXXX for unfair loan practices and horrific predatory lending practices. Long story short, XXXX forgave the delinquent balance, I received a restitution check from XXXX. Prior to receiving the notice from the Attorney General office, XXXX sold this debt to NCB Management. NCB Management is showing this as an OPEN debt, the originator creditor XXXX forgave the loan and NCB Management needs to update my report to show this debt as closed and be removed from my credit show just as XXXX did. Thank you for your assistance with this matter.