davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday the XXXX of XXXX, XXXX, I filed a claim # XXXX with the Bank of America Fraud Department in the amount of {$1300.00} that was taken from me through the Bank of America ATM machine. The theft was on various days starting on the XXXX of XXXX, XXXX through the XXXX of XXXX, XXXX. So as I should, I reported it this to the Fraud Department as soon as possible. However, the service and the manner of action that was taken was not only unhelpful, but vague as well. So not knowing what to do, I called again on Friday the XXXX of XXXX, XXXX to request a hardship loan from the amount of what was taken from me ; but unfortunately, they informed me that I had to wait 10 days for the claim to be in pending status before anything can be done. And even though their policy is zero fraud liability, I waited the 10 days before my next call on Monday the XXXX of XXXX, only to be informed that my claim was denied with no explanation as to why. So with much effort, I was able to reopen the claim ; although, I am to wait another 10 days before any further action can be taken. So I am back at the beginning with them ; meanwhile my bills are adding up and I am left with nothing from what was taken from me because of the lack of service and security of Bank of America Fraud Department.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$12000.00}. I wired the money through Chase Bank to a Chase Bank account. I wired money in increments and wired the last {$5000.00} on XX/XX/21. I realized it was a scam today ( XX/XX/21 ) and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.
Consumer complaint received 2021-08-10
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-10
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. (TN)

This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States Middle District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: JPMORGAN CHASE & CO. (WA)

Explanation of complaint : Prior to the trial held in XX/XX/, the XXXX XXXX permanently modified the home loan with Chase bank. She falsely certified in section Dof page 1 of the loan agreement that there was n on going litigation concerning the home. I XXXX XXXX claim that this certification was untrue, as they were amidst divorce litigation and a pending trial at that time. Furthermore, the XXXX XXXX omitted disclosing the pending litigation related to the home. The court had not authorized this loan modification. 

I believe it is imperative to investigate the motivation behind the XXXX XXXX decision not to disclose the loan modification during the trial. This omission is especially puzzling given the legal requirement for full disclosure and transparency in court. 
Potential Federal and State Law Violations : XXXX Federal Law : The Respondent 's actions may potentially violate federal statutes, such as 18 U.S. Code 1014, which makes it a crime to knowingly make false statements or reports for the purpose of influencing the actions of a financial institution. 
I contend that the XXXX XXXX XXXX false certification in the loan agreement to Chase bank and her failure to disclose the ongoing litigation may constitute potential violations of both federal and state laws. 
XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX 3. Washington State Law : Under Washington State statutes, the Respondent 's conduct may be in violation of laws such as RCW 9A.60.070 ( False Statement to Obtain Credit ) and RCW 9A.60.075 ( False Verification of Financial Statements ), which pertain to knowingly making false statements to obtain credit or providing false information in financial statements.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-08-10
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. (NJ)

As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NV)

I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Tried to open an account with Capitol one with a XXXX SCORE OF XXXX out of XXXX was rejected despite advertising that I had been preapproved -/ this is a common scam. My XXXX  was immediately reduced to XXXX. Tho is a scam to get you to buy products to increase your score -/ they dont give you a reason.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (TX)

This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from XXXX  XXXX XXXX. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report
Consumer complaint received 2022-11-07
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. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-12-10
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: DISCOVER BANK (MN)

My XXXX report is wrong. 
It contains an account Discover Card Services which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and Discover puts it back on. 
Attached are the dates and case numbers of the contests I have called Discover numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with discover. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my XXXX report. 
I have exhausted my options in communicating with Discover and want this removed from my file.
Consumer complaint received 2023-06-26
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX 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 XXXX business days after the date of receipt.
Consumer complaint received 2022-11-07
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. (MO)

Despite multiple written requests, the unverified items 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 on XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2021-08-10
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: INTERCONTINENTAL CAPITAL GROUP (NJ)

I have these items that are not mine and i want them to be removed from my credit asap.

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft INTERCONTINE Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-11-07
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. (GA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-08-10
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-22
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: Resurgent Capital Services L.P. (NJ)

It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.