davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (NY)

Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2023-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, we suffered a homeowner 's loss due to fire at our property located at XXXX XXXX XXXX, XXXX, PA XXXX. Through our public adjuster, we settled up with our insurance company and received an insurance check in the amount of {$86000.00} We have a home equity loan with Truist Bank and they were named as an additional payee on the check. On XX/XX/XXXX, we signed over an insurance check in the amount of {$86000.00} to Truist Bankas per their instructions along with their Affidavit of Damage and Repair. We completed the repairs to our property with our own funds while awaiting Truist to process our disbursement. On XX/XX/XXXX, we received a check in the amount of {$10000.00} and a second check in the amount of {$4700.00} due a contractor for XXXX  services performed. We immediately contacted Truist for the balance of funds and agreed to an inspection per their requirements. Truist never showed up for the inspection and no one from their Loss Draft Department will assist. We have reached out to multiple branches with no resolution. They are holding {$71000.00} of our money and will not release it to us. We ask your assistance to hold them accountable to communicate with us and release the funds they are holding without reason. You can reach us at XXXX should you need any additional information to assist us. Thank you, XXXX & XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (OH)

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (TX)

We applied for a forbearance with the option of the XXXX XXXX. XXXX XXXX and XXXX are to be our protected months and we told them we can start making XXXX payment now. Now they said that the payment I make in XXXX will go to XXXX because my application is not complete and that I will show late for my XXXX payment. This is wrong because Im protected for these months. I requested this to be completed months ago. We need the XXXX XXXX put in place so we can resume our regular monthly payments. Please have our application expedited. Our credit is protected by the forbearance and we will file complaints if reported to our credit as late because they have delayed our application.
Consumer complaint received 2023-04-16
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. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-07
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. (KY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Previous complaint ID XXXX This company never asked me to provide any type of report from law enforcement despite the fact that the receiving bank requested for the police report to the company on XX/XX/year>. 

The company mishandle the case and demonstrates how they neglect my case, they didn't take it seriously. 

I have reported to FTC, local police department, and XXXX XXXXXXXX XXXX XXXX XXXX under the XXXXXXXX XXXX XXXX XXXX since XX/XX/year>. 

Here I attached XXXX reports from two different law enforcements. 

And the company states, all transactions were authorized that is not true, I sent money by scammer 's instruction, not my willpower. 

Moreover, the company said, a recall was not requested for the wire transfer for {$1900.00}. which is not true, I did it on XX/XX/year>, at the chase local branch and XX/XX/year>. 

The company advised, " You can contact us at the same number above to submit a recall request '' they never provide the number that I can submit a recall request '' Over the 20 years of my bank history, nowhere to find that I made transfer that much money in short term. Obviously, it's an unusual transaction and not authorized. 
It's over XXXX USD in less than 3 months. Thus, that is not an authorized transaction.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TN)

Hello- I filed a claim with BMO earlier this year for three fraudulent transactions via CFPB. They refunded one and said that they would file a good faith claim for the other two as it was out of the 60 day window. 
I have called several times since then seeking assistance for the other two claims and have been sent incorrect information or hung up on. 

Recently they provided an email address : XXXX. I sent an email and never heard back. 

This morning I called twice and was disconnected both times while the person was trying to look up information. 

This issue started in XXXX of this year and I have yet to be able to finish a transaction with the customer service center. I would like the other two transactions refunded to my account so that I can move the money and go with another bank. 

I've also had issues unfreezing my account. I've been told to go to a branch- I have none in my area which I've stated numerous times. This is also an online banking account, so the branch should not matter. Now they are asking me to upload my social security card to a portal. This is the first time a bank has ever asked for this and given I already have an account with them, it seems unnecessary.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (SC)

While on a flight back from XXXX  and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.
Consumer complaint received 2024-09-15
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: FORD MOTOR CREDIT CO. (CA)

While my XXXX XXXX was still XXXX I decided to go and get the cheapest truck in XXXX the XXXX XXXX. I went to XXXX XXXX in XXXX XXXXXXXX XXXX. They pulled my credit XXXX XXXX in XXXX day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$XXXX} down payment. I found out about the XXXX hard hits when the denials came in the XXXX XXXX. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their XXXX XXXX sent me a XXXX page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.
Consumer complaint received 2024-10-08
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

I looked at my credit reports 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 ( XXXX ) 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 ( ii ) 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 tinformation is inaccurate.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Adjustment Service, Inc. (TN)

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as XXXX, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

ACCOUNT : XXXX XXXX XXXX XXXX 

THIS ACCOUNT WAS A CHARGED OFF NA DTHEY SALE THIS DEBT TO A DEBT COLLECTOR, AS LAWS REQUIERES THEY HAS TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE WAS SALED TO ANOTHER LENDER, THEY KEEP IT, THIS IS A VIOLATION OF 15 USC 1681i-5. THIS DEBT WAS PAID IN FULL HERE I WILL ATTACHED A REAFIRMATION LETTER FROM LENDER