davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (CA)

I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX XXXX that I never gave authorization so when I called XXXX months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX XXXX charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and XXXX XXXX deprived of my rights and freedoms at this point
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Subject : Formal Complaint Against Chase Bank for Unjust Closure of Checking Account and Withholding Funds To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the sudden closure of my checking account on XX/XX/2023, and the subsequent withholding of my funds totaling {$7000.00} for over five months. Despite numerous attempts to ascertain the reason for this action and the status of my funds, I have been met with unhelpful responses and prolonged delays. 

On the aforementioned date, without prior warning or explanation, Chase Bank abruptly terminated my checking account. Since then, I have made persistent efforts to seek clarification from the bank regarding the circumstances surrounding the closure and the release of my funds. However, each time I have reached out, I have been met with vague responses and assurances that my case is " under investigation. '' As a result of this unjustified account closure and the prolonged withholding of my funds, I have faced significant financial hardship. I was laid off from my job and relied on the funds in my Chase account to cover essential expenses such as rent and living expenses. The inability to access these funds has exacerbated an already challenging situation and placed me in a precarious financial position. 

I demand immediate action from the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Chase Bank promptly releases the entirety of my funds without further delay. Additionally, I urge the CFPB to hold Chase Bank accountable for its lack of transparency and failure to provide adequate justification for the closure of my account. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to resolve this issue and ensure that consumers are treated fairly and justly by financial institutions.
Consumer complaint received 2024-02-21
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: SANTANDER HOLDINGS USA, INC. (NV)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This was my complaint as a follow up for my previous complaint dated XX/XX/XXXX. Even though the other fraudulent inquiries were already removed there were still XXXX remaining in my credit reports. And I just need the Experian and XXXX Credit Bureaus to remove them as per FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. And the Credit Reporting Agencies are required to remove any items listed on an id theft report, which prompt me to include in this complaint and the previous my FTC Report with reference # XXXX. Here are the remaining inquiries that I need to remove from my credit reports : -- -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

I disputed the collection with XXXX account for hunter Warfield Inc I disputed this in XXXX for them to say the collection was verified they did not give me anything but a XXXX piece of paper just telling me the collection was verified they did not give me anything showing the steps they took to validate the collection and what steps they took to verify that the account belonged to me. Also, the collection is showing that it is open which is XXXX violation of the requisite XXXX XXXX compliance, and the collection is also showing a past due balance which XXXX is letting the collection be able to add interest to the past due balance. I have sent XXXX letters to XXXX I sent them a method of validation letter also another letter also letting them know that they are in violation for having this collection account as open on my XXXX report and also another letter informing them about the violation of them reporting a past due balance. this XXXX collection has been nothing but a burden to me this collection that is on my XXXX has violated my rights in accordance with the FRCA, Section 611 And My Requisite XXXX  XXXX compliance. nothing with a wet signature was given to me I also let the credit agency know I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also did not consent to you reporting inaccurate information in my name to the consumer reporting agencies. they still decided to report the inaccurate information on my XXXX this collection is not on my XXXX or XXXX XXXX is the only credit bureau giving me issues.
Consumer complaint received 2023-04-12
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. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC (CA)

Per Betterment Cash Reserve account, XX/XX/2023, {$440000.00} is taken out to another account ( XXXX ). However, per my records, the amount is still with Betterment until now, yet XXXX statement shows that {$440.00}, XXXX  " redeposit '' on XX/XX/2023. 

Also, monthly accumulated interests has not been reflected on my Betterment account nor statements since XX/XX/2023.
Consumer complaint received 2024-08-02
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-14
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. (FL)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union misleads s members about debt collection practices and freeze consumers out from their own accounts. 

They threatened actions and do not have authorization to take and cut off members electronic access to their accounts and bank cards if they did not pay overdue loans.
Consumer complaint received 2023-12-07
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. (FL)

I've found that my credit report has erroneous information for the third time including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
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. (FL)

I have disputed on multiple occasions with Experian regarding some derogatory accounts that I believe should be removed from my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX : The responsibility for the payments on this card was given to my ex-wife per our divorce agreement ( uploaded ). The collections should be removed since my ex-wife was in possession of this card and used it without my permission. 

XXXX XXXXXXXX XXXX Account # XXXX : The responsibility for the payments on this card was given to my ex-wife per our divorce agreement ( uploaded ). The collections should be removed since my ex-wife was in possession of this card and used it without my permission. 

Please investigate and provide Proof with statements showing that I was responsible for these payments when my court documentation says that I am not. If proof can't be provided, I demand these accounts to be removed as they were not my responsibility.
Consumer complaint received 2024-04-14
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have previously disputed these charges directly with the credit bureausXXXX  XXXX, and Experianas well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and Experian Rental Bureau to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX aka XXXX.
Consumer complaint received 2023-04-27
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. (CO)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX, XXXX {$4600.00} TXXXX XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380000.00} XXXX XXXX XXXX. XXXX, XXXX {$3100.00} XXXX XXXX  XXXX XXXX, XXXX {$520.00} 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 : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

Cashap wouldnt provide me with any explanation of the denial of my dispute when they have too or else how could they denie my dispute when I have not received service that I paid for and canceled the service yet still was being charged and I contacted cashap to dispute and they been denying my dispute with no further explanation
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/1997 Balance {$0.00}
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I got XXXX. I was in the hospital. My husband and I are both self employed. We both lost work as a result of my illness. Ive had it multiple times and suffer long XX/XX/XXXX. 
We reached out to Bank of America to discuss options to protect our home and mortgage while we worked to get back in our feet. They were very helpful and gave us the option to not pay any payments for a few months. They said when that period was over and we were ready they could offer us options of a loan modification, deferment of what we owe or lower our interest rate to help us be able to make out payments easier. Weve lived in our house for almost 26 years. We refinanced about 12 years ago with Bank of America. 4.75 % rate. 
Anyway, we took them up so we could work on getting things back in order. We were told they would not report negatively to credit reports, they would not charge interest and our escrows would continue to be paid. 

We were ready to start making regular payments again and they said they could offer a modification where our payment would stay the same but we would have to show we could pay for three months before it would be permanent. 
Great. We paid as we were told. They said dont pay early. Dont pay extra etc. it could keep us from qualifying. We paid on time. 

We got the loan modification documents thinking that all was good and we could just keep making our regular payments. The payment looked good. Our interest rate was still the same. But something caught my eye in the documents. It said they were adding 22 years to our loan. That our loan would be paid in full in XXXX! XXXX! Ill be XXXX XXXX XXXX. Thats 40 years! 
I called and asked them if it was a mistake. They said no. I asked for a manger to call me. When he called he insisted that was correct and that is the offer. I asked why I wasnt given the opportunity to defer the balance to the end as I was told in the beginning and he said we didnt qualify for that. I didnt know we had to qualify. He said that was the option I chose. I ask what the other options were because I wasnt offered any others and he just said this is the offer we are giving you and said they arent offering anything else. But then would say other options but refused to give me any. I was never told that they would add 22 years onto my loan that Ive already paid on. They acted like they were helping me at first. They acted like this was put in place for people like me who suffered hardship do to XXXX. They took advantage of my hardship to put hundreds of thousands of dollars in their pockets. I am not signing the loan modification. Now I am in jeopardy of foreclosure. My house is worth four times what I owe in total. This is my home of 26 years. The home I raised my kids in. I wish I would have never believed they were helping us.