davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

Under penalty of perjury, I hereby attest to the fact that neither I, nor anyone I know, authorized the XX/XX/2021 {$26000.00} ACH from my Chase business checking acct XXXX. This same person ( XXXX XXXX ) attempted to steal an additional approx. {$7000.00} on XX/XX/XXXX, but I was able to put a stop on that outgoing ACH. 

I have filed two claims with Chase Bank XXXX on XX/XX/2021, and XXXX on XX/XX/2021. Chase has denied my claim twice, claiming I have a relationship with the person who stole my money. This is categorically false, and Chase has refused my multiple requests to prove that I authorized this transaction ; undoubtedly, this is because no such evidence exists. My liability under Reg E is {$50.00}, as I reported this ACH fraud to Chase within 2 business days of it occurring.

In no way whatsoever did I benefit from the funds transfer. This money was unequivocally stolen from me, and I have never heard of anybody named XXXX XXXX, or any name remotely like that. I have no relationship with XXXX XXXX, and I have not idea who he/she is. I challenge both Chase and XXXX  XXXX XXXX to provide me with any authorization I ever gave to effect this ACH. 

My only business banking relationship with XXXX  XXXX XXXX is two XXXX XXXXXXXX Visa credit cards. I have provided evidence to Chase that the {$26000.00} unauthorized ACH was not directed to my credit card account. The only ACH I have authorized with XXXX is to pay my credit cards in full on the XXXX of every month. 

I have filed a police report with the XXXX XXXX XXXX Police Department ( case # XXXX ). Det Sgt. XXXX XXXX is investigating, and is having search warrants issued to both Chase and XXXX  XXXX XXXX. I also filed a report with the FBI at complaint.ic3.gov. I am meeting with Special Agent XXXX XXXX on XX/XX/2021. 

I demand Chase return this {$26000.00} to my business checking account immediately.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX 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
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MI)

Ive filed bankruptcy and discharged back in XX/XX/2020. Self lender along with XXXX major bureaus. XXXX XXXX and XXXX continue to investigate my dispute and come back with verified as accurate. Ive called self who confirms they received notice of bankruptcy and have advised bureaus of information. Im not asking for this inaccurate info be removed as its been inaccurately reporting causing damage to my score and Ive just obtained new auto loan and interest rate was for sure impacted by this negative item. Im requesting this be removed immediately from my report and documents sent to me advising of such removal
Consumer complaint received 2024-11-04
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. (FL)

Dear Transunion, I see it states to not list anything specific on here so I will just make a brief statement. The following accounts that is showing on my credit report doesn't belong to me, I never gave permission to open such accounts in my name. I would like for these items to be erase from my report because it doesn't belong to me. These items belongs to someone else.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, XXXX and equifax are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to request the immediate blocking and deletion of an unauthorized inquiry listed on my credit report. I am a victim of a recent data breach, and this inquiry was made without my consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this inquiry be permanently removed. 
The inquiry in question is as follows : XXXX XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I had taken out an installment loan and not a payday loan with a company online called XXXX XXXX XXXX. On XX/XX/2018 I borrowed {$2400.00} to be paid back in instalment payment with interest. Once I received the loan the company never gave me a detailed amount for the 12 month period. So, when I received the installment bill it was more than my mortgage amount. I lived on a fixed income once a month because I am a XXXX  and XXXX XXXX veteran. When I made my first payment in XX/XX/2018 I made a {$400.00} payment. In XX/XX/2018 I made {$150.00} payment towards the {$2400.00}. I was in the hospital in the month of XX/XX/XXXX because I had XXXX, therefore, I didn't make a payment in XX/XX/2018. So, I went to make a {$150.00} payment on XX/XX/2018, for another {$150.00} I saw the billing statement and it went from the {$2400.00} to {$4800.00}. If had an idea that the company was charging their clients that type of interest I would have never would have borrowed that money. I am already in chapter XXXX for the next 3 years that I can't afford to pay back what this company is asking of me. and I think the company if ripping me off by not applying any of the money towards what I had borrowed. So, right now I need your help, please!!! By the way, I did tell the company in XX/XX/2018 that I could not pay the amount that the company was asking for each month, however, that I would continue to send in a payment each month until my loan was paid in full. I always pay my bills and I am trying to be honest with this company but they are giving me nothing but grief. So please help me.
Consumer complaint received 2018-11-03
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. (NJ)

I checked my credit on Experian. I notice a XXXXXXXX XXXX  card for XXXX which I never opened I found the account was used in Florida. I reside in New Jersey. My information was used fraudulently. I filed a dispute they refused to take it off my report.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (FL)

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, XXXX and Equifax have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and XXXX and Equifax refuses to correct this.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (CT)

I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). 

I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager (  XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NJ)

Dear Consumer Financial Protection Bureau. The consumer is filing a respectful complaint concerning Chase Bank. There are numerous complaints that are being addressed in the complaint. The consumer was initially told incorrectly concerning overdraft protection when the first account was open. This had resulted to the first account being closed. The consumer was told, The bank allows up to three overdrafts. This is incorrect ; the consumer was notified that Chase Bank had attempted to contact him. However, the Caller ID had never identified the caller. These are examples of what had taken place in the account. The most concerning is as the consumer was led to believe that he had 60 days to refill the account back to positive prior to closure. Currently, the consumer is attempting to pay the consumer. However, miscommunication had led to the consumer preventing to do this.
Consumer complaint received 2018-11-04
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. (IA)

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, XXXX and TRANSUNION ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XX/XX/XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Consumer complaint received 2022-02-10
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. (IL)

hXXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ETHOS LENDING LLC (CA)

I started a loan with with Ethos Lending ( XXXX XXXX, Ca ) on XX/XX/18 and had given them all of the information they requested and my credit scores were excellent that they used from a credit report done XXXX. Then two days before my signing date on XX/XX/XXXX, ( on XX/XX/XXXX ) they told me I would be charged a 1.099 % fee because my credit scores had dropped ( three credit agencies ) from XXXX to XXXX. I told them it was a mistake and when I called the credit agencies they told me it was because of a XXXX $ XXXX XXXXXXXX XXXX bill that was unpaid. So I called XXXX XXXXXXXX XXXX and found out it was not my primary bill, but a secondary bill from another property and they had sent it to the wrong address, not my current address they send my other bills. XXXX XXXXXXXX sent a letter out ( which they never do ) to all three credit agencies to negate this late report. Within 15 days my credit scores all rose 80 points to back over 740.  Well I signed the paperwork in the mean time and when I went back to Ethos they said they wouldn't rebate me the fees.. 
First I think when they first ran my report to see the excellent scores and approved my loan they shouldn't be able to change that and charge me {$4900.00} two days before I sign the paperwork, just to hit me up with another charge. 
And secondly when I show they the low ratings were wrong ( shown by the letter from XXXX saying to delete this report to all three credit agencies ) and then two weeks later all three scores rose to their normally high scores they should refund me the {$4900.00} charge because the ratings were false reports ... .. 
Ethos said they would explore this but just said well tough..
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

1. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 3. XXXX - XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (WI)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2024-11-01
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-10
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. (PA)

I have sent a dispute letter to XXXX, XXXX, Equifax to remove negative items.XXXX, XXXX, Equifax then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (TX)

Hello, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.