davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXXXXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX, Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-13
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. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX resulting late payments due to XXXX XXXX. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX Amount- {$0.00}. Amount- {$0.00}. 

Opened-XXXX  XXXX, XXXX. Opened- XX/XX/XXXX. XXXX Disputed the account with TransUnion. Was not satisfied with the outcome. Reached out to the company they have no knowledgeable information on the situation. Asking for this closed account to be removed from my credit report!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- Account number : XXXX, Account name : XXXX XXXX XXXX has violated my rights. 
- Account number : XXXX, Account name : XXXX has violated my rights. 
- Account number : XXXX, Account XXXX : XXXX  has violated my rights. 
- Account Number : XXXX, Account name : XXXXXXXX XXXX  has violated my rights - Account number : XXXX, Account name : XXXX XXXX has XXXX my rights - Account number : XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-31
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: Experian Information Solutions Inc. (WY)

I have submitted over 10 dispute letters to experian transunion and XXXX over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to experian transunion and equifax.also I've notified the creditors and the experian XXXX and XXXX that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jacob Law Group, PLLC (AR)

The company got a writ of garnishment against me for a debt that had been previously forgiven by XXXX XXXX in XXXX of 2024. They then garnished my sons account ( that has my name on it ) and seized federal student loan funds from the account. My wife contacted them at the advisement of my bank to let them know that they took money that was protected and they hung up on her, treated her like she was XXXX  and laughed at her. They not XXXX time attempted to help me and continued to transfer her to their part time garnishment departments voicemail. My wife left multiple voicemails and emails some directly to XXXX XXXX himself and never received a response. The writ of garnishment gave instructions to contact them if I had concerns about money that was taken, but when contacting them, they do nothing but hang up, yell and play a transfer game. This is an ongoing issue with this company that has several past lawsuits against them and had to pay XXXX in settlements already. Jacob law firm needs closed and XXXX XXXX needs to be disbarred from the XXXX  XXXX XXXX along with every attorney he sends to court on his behalf.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I tried to submit a loan payment, in full today my account today the online portal. My access has been blocked. I call the customer service department and was told the only way I could make a payment would be to pay via XXXX XXXX XXXX XXXX XXXX, or mail a check. After visiting several wire transfer location, either the system was down or the location had a transaction limit that was lower than the amount I need to pay. How can a lender restrict my ability to pay my loan, risking damage to my credit?
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

I have made multiple referrals to sofi bank. Most have not done necessary tasks for me to receive bonus. Some have. This is the last referral I will make due to the realization that they are scamming people with this XXXX. At minimum, they scammed me. The reason given by them for the bonus referral was not payed out was because they say the account was not funded in time, when in reality, the bank took 9 days to complete an ACH transfer. These transfers happen instantly, or close to that... NOT 9 days, then disqualifying me for the time it took them to clear the transfer.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

XX/XX/year> - I sent notarized letters to Citibank about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my Citibank card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

My name is XXXX XXXX. My wallet was stolen and they promised to contact the arms involved and get video footage. This was at XXXX. By XXXX the next day they denied my dispute. I have called the ATM companies and they said it would take at least 30 days to pull footage. My bank does not protect my money and this is fraudulent on them for denying my claim without an actual investigation.
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

My mother and I have a joint checking account with Chase Manhattan Bank My mother made out a check to me in the amount of {$360.00} and lost the check The check was deposited in another financial institution and my bank paid the check. 
I never received this check, the check was not endorsed by me. 

I contacted Chase Manhattan and reported this. 
They had me fill out a form " Declaration of Unauthorized Endorsement or Altered Item '' so that they can recover the funds from the other financial institution. 

Chase has received my form and has begun their investigation. 
They informed me that it would be 60 to 90 days until I received a response, and if they did not receive a response from the other financial institution they would ask them again. 

When I asked if there was a legal requirement as to how long the other financial institution had to provide chase with the information, they did not know. 

I want to know how long I have to wait to have the funds credited back to my checking account, if there is a statutory time limit, and, if I will be informed as to the exact details of the fraudulent deposit of my check, i.e., what signatures/ who endorsed the check, etc.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CO)

I made a deposit of {$17000.00} in XX/XX/2024 to my crypto.com account from my XXXX XXXX using the the account number and routing number supplied by crypto.com. 
The transfer was successfull and the money reflected on my crypto.com app. I bought litecoin ( ltc ) and then proceeded to initiate withdrawal but it was cancelled and my account was put into review. after 3 days review, they told me that they will refund the {$17000.00} back to my XXXX  account where the money came from and I will have to re-initiate the transfer to crypto.com. 

After XXXX business days I did not see any refund in my account since they said the refund will take XXXX business days. I reached out to support and they said the money should be in my account. But nothing came in. They asked for screenshot and Bank statement of the account. I said since we are just in XXXX, the bank statement for XXXX is not ready. We got to XXXX ending still nothing came in and the reached out to support on crypt.com.com and they said same thing that the money is in my account. I now supplied the bank statement and screenshot of my account. In the month of XXXX I had no transaction in my XXXX  account and this reflected on my bank statement. XXXX I reached out again and they kept on insisting the money has been sent to my account. But I keep on telling them with facts and proof that nothing came I even had to reachout to customer support of XXXX XXXX  and they said same thing that no transaction came in to my account with such amount. XX/XX/XXXX, I received a deposit of {$1400.00} and on XX/XX/XXXX, I tried withdrawing to same crypto.com using the same account number and routing number provided. XX/XX/2024 XXXX XXXX  sent me an email that my transfer did not complete and my account was suspended. I reachout to XXXX XXXX and they said my account will be closed and a closure check in the amount of {$1400.00} which is the available balance on my account will me mailed out to me. I reached out to Crypt.com customer support and told them everything that happened and even provided screenshots that my account and closed and the bank said they never received and refund of {$17000.00} back to my account and that the Only available amount on my account which is {$1400.00} is what will be sent out to me. 
Till date crypto.com is unable to account for my {$17000.00} and they don't want to give me my money with the excuse that the money returned to my account since XXXX which it did not. Please help me get my money back. Thank you I have attached bank statement and screenshot of the transactions.
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I submitted a school misconduct application with Navient for my student loans to be discharged as I attended XXXX XXXX XXXXXXXX XXXX XXXX which the U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXXXXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). I submitted the application and supporting documents of misconduct and the application was denied. I got the following generic explanation. 

Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

The Department of Education found that XXXX XXXXXXXX XXXX made false claims about employment rates, salaries, and career services to students. 

XXXX XXXX XXXX  have been found guilty of misleading all students, and I would like someone to look into why they would offer a application for discharge, deny it, and then not tell you the specific reason why.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (VA)

Money lion suspended my account and my account access. However, they are debiting monthly charges and debited {$150.00} payment after revoking ACH AUTHORIZATION for which they were notified. 

I specifically told them that if they were suspending my account and access then I wanted the account closed and revoked any ACH authorization and they are still charging me monthly fees and they have not honored my ACH AUTHORIZATION revoking. 

I have no way to access my account online at all to remove my linked accounts
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX and XXXX XXXXXXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I surrendered this vehicle over to the company XXXX XXXX in XX/XX/year>. 

Since then, the company has continuously reported on my credit monthly as though the account is still open. 

The ending balance sent to my by XXXX XXXX is {$15000.00}. 
The most recent balance reported shows as {$16000.00}. They increase the balance every month, for an account that has been closed via voluntary repossession. 

The account is also reporting as an open account on my XXXX report. 

XXXX XXXX sold me the car at an extremely high interest rate, making it difficult to pay the loan off. After over a year of paying a never ending balance, I surrendered the car, yet XXXX XXXX is still tormenting me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2024-09-12
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: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.