davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX  XXXX  ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency XXXX XXXX XXXX have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Good evening, My name is XXXX XXXX. My father passed away this year due to XXXX XXXX. Before he passed away, he told me he put all his money in Bank of America and named 3 people as POD. I was one of them. The other two people are my mother and my brother. I am a US citizen but XXXX XXXX XXXX XXXX XXXX XXXX So Bank of America has been trying their best to deny my family my fathers money. I have tried multiple times to work with the bank to get the funds for my family. I have even spent thousands of dollars trying to get the document they wanted. After I provided them with everything they wanted multiple times, they still are refusing to give my family the funds by creating fake requirements. I have submitted a Full POA that has been verified and authenticated by the XXXXXXXX XXXX, the American embassy and the state department. They just refused to give us our fathers money again. There is no one else. My father was only married to one person and he only has XXXX  children. I have the marriage license and birth certificate for both children named as POD. This seemed like an open and shut case. I believe this discrimination happened because of my race and because of the fact that my family doesnt have strong legal representation in the United States XXXX As crazy as it sounds, I am asking for help to obtain my fathers funds that are being held by Bank of America. Just for information, I have already complained to multiple parties within Bank of America and my complaints were documented and sent up the chain of command but still nothing changed. The amount in question is not a small amount, at least not for my family. I have bills adding up and my family needs the money back home. It is not fair that father worked all his life and was loyal customer of Bank of America, just for them to treat his family disrespectfully in this hard time. 

Pleas help Thank you for listening Sincerely XXXX XXXX
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove it from my credit report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-09-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

On Monday XX/XX/2023 my cash 20+. I tried to purchase a pizza from XXXX twice I tried the transaction. One for {$10.00} and {$7.00}. However my CashApp was locked so the transactions were Declined/ Cancelled. BUT MONIES WERE REMOVED FROM MY ACCOUNT AND NOT PLACED BACK. AS I MADE THE TRANSACTIONS I WATCH MY MONIES LEAVE MY ACCOUNT AND LOWERED MY BALANCE WITH FROM THESE DECLINED/CANCELLED ... MY MONES WERE NOT RETURNED THESE DECLINED AND CANCELLED TRANSACTION. I WAS LEFT XXXX XXXX+ I Purchased FOOD FOR XXXX XXXX+ MY MONEY NOW WAS AT {$1.00} AND THE TWO CHARGES FROM XXXX XXXX WERE NOT PLACED BACK. {$10.00} AND {$7.00} CASH APP SAID THE MONEY WERE NOT TAKEN BUT I WAS I SAW MY BALANCE PRIOR TO CHARGING THE ORDER BUT DIDNT UNLOCK THE ACCOUNT WHEN I WENT TO UNLOCK IT THE BALANCE WAS LOWERED FROM THIS TRANSACTION AND MY MONEY HAS YET BEEN PLACED BACK
Consumer complaint received 2023-04-13
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. (AE)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-16
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. (MI)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account holder : XXXX XXXX Original creditor : XXXX Account # XXXX Opened XX/XX/2022 Collections 18 U.S. Code 8 - Obligation or other security of the United States defined. 

This debt was already paid in full by the United States. So you are now under violation and havent provided the proper steps to validate this experience. 

15 U.S. Code 1640- Civil liability.. 
( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; I have been failed. I demand this account be deleted!
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

PNC customer service representatives systematically misinform customers about the promotion term and provide false information so PNC can deny the bonus. At the same time, they state they are responsible for what they state, are the PNC employees and speak on behalf of the company. It happened to me twice already. First in 2020 the customer service representative provided false information when the previous account was opened, and they denied the promotion. This time I carefully asked all the questions before opening the account. The terms contain ambiguous language, which require understanding ad where the 24 month period start. Many banks in the same situation use account opening date. ( XXXX, for example ). The attachment shows the customer service representative clearly stated the same thing - 24 months from the date of the previous account opening. Now PNC tries to deny the bonus, at the same time stating the company is responsible for what their customer service employees stating - by the very customer service employees statements ( attached ).. 
As a XXXX XXXX XXXX, I feel extra deceived when I try to be extra careful and ask the customer service employees to interpret the terms, and then they refuse to honor their OWN interpretation! - and telling me that as a XXXX I should understand better that the customer service representative!. Quite insulting and abusing for a XXXX XXXXo be deliberately deceived in my face. I hope the XXXX government agency will protect me. from it..
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA XXXX and/or USBK COURT WESTERN PENNS . I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on my CREDIT REPORT??
Consumer complaint received 2024-09-17
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-13
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. (IL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-04-13
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. (SC)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove it from my credit report
Consumer complaint received 2023-04-13
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to file a complaint against Chase regarding my credit card account ( Account Number : XXXX ) due to questionable practices surrounding my debt, particularly concerning the documentation provided by Chase and the conduct during a pending lawsuit. 
1. Background : I opened a credit card account with Chase in XXXX, I encountered financial difficulties and fell behind on payments. Subsequently, I received communications regarding my outstanding balance and legal action. 
2. Legal Action : On Feburary XXXX, XXXX, I was served with a lawsuit filed by Chase in XXXX XXXX. The lawsuit claims that I owe a balance of {$24.00}, XXXX. I am currently contesting this lawsuit due to discrepancies in the documentation provided by Chase. 
3. Robo-Signing Evidence : During the discovery phase, I reviewed the documentation submitted by Chase, which included a proof of debt that appeared to be robo-signed. This document lacks verification and authentic signatures, raising concerns about its validity and the overall handling of my account. You can also find the same alleged employee on several hundreds of suits being filed daily in XXXX XXXX and XXXX XXXX. Chase has previously been sued for this practice. 
4. Inadequate Proof of Debt : I have requested additional evidence from Chase to substantiate their claims regarding the debt. However, I have not received adequate documentation, nor have I been able to confirm the legitimacy of the account as claimed in the lawsuit. 

I respectfully request that the CFPB investigate these practices by Chase, as they appear to violate consumer protection laws. I believe that Chases actions have not only impacted my financial situation but have also contributed to significant stress during this ongoing lawsuit.
Consumer complaint received 2023-04-13
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.