davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (VA)

I recently wrote the CFPB : " BMO made the decision to administratively close my accounts ( BMO Smart Advantage Checking # XXXX, Savings Builder # XXXX ). That's fine... They have the right to make that decision. However, they have not returned the funds that were in the accounts at closing. It has been many weeks since the closing process was initiated and completed. '' BMO responded with an email address to send my ID and utility bill to. The email address ( XXXX ) is invalid. 

I receive an error : " Address not found. Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response from the remote server was : XXXX XXXX User Unknown : Please request BMO send a valid e-mail address to contact.
Consumer complaint received 2024-06-18
Product: Credit reporting 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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-18
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: CBC Companies, Inc. (TX)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request OnlinXXXX form and NO SUCCESS. 
"
Consumer complaint received 2024-06-27
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. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Halsted Financial Services, LLC. (CA)

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 dated XX/XX/year> regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( XXXX ) ( a ) ( XXXX ) is very SPECIFIC. You are reporting a transaction on this account that XXXX defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

XXXX15 U.S.C. 1681a ( d ) ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / HALSTED FINANCIAL SERVICES / XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S.C 1681a ( d ) ( XXXX ) ( a ) ( XXXX ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section XXXX for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2024-06-18
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: CLGF Holdco 1, LLC (MN)

Received junk mail credit card offer from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX weeks later there was a Hard inquiry on my credit report. I called The Bank XXXX Missouri and they immediatly asked if this was an issue with a credit card or inquiry. They said they contracted it out to XXXX XXXX. I never applied for anything or accepted any offer let alone I have never heard of this company before. The XXXX rep said they are an offshore company and sometimes things get applied. The Bank XXXX Missouri would be well aware of there illeagal practices. I have all of the phone calls recorded to get this resolved. They said I would receive a response by mail in XXXX days as it had to be transferred to there investigation dept. This is totally wrong and they are scamming people. The XXXX XXXX XXXX and XXXX XXXX needs to be shut down.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (NC)

i recently logged into my Equifax to view and monitor my credit file because i was a victim of identity theft and the equifax website data breach from XXXX  XXXX and most recent XXXX  i received an email stating i was a victim of the XXXX  data breach. so i went into my account and saw accounts that were not mine along with unauthorized hard inquires. i spoke with a representative who had no idea about the data breach and when i asked her about it she said hold on and hung up. i spent XXXX mins around on hold and the call kept looping. i was a victim of identity theft and a victim of XXXX  data breaches on equifax website including data breaches in XXXX XXXX  XXXX and would like to have all identity theft accounts removed.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

The customer service on my XXXX XXXX XXXX card is really bad. I have attempted multiple times to contact the XXXX XXXX XXXX team to verify some contact information at their request. 
XXXX. I called them XXXX on XXXX XXXX, 2024, and I have been stuck on hold for XXXX minutes already. 
XXXX. I contacted them on XXXX other occasions, but the issue is still unresolved. 
XXXX. This has been an ongoing issue with my XXXX XXXX XXXX XXXX account for the last XXXX months.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (MS)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (HI)

Debt from previous employer was submitted to. Department of Treasury whom begin garnish XXXX check ( which is direct deposited into bank account ) I the. Received collection letter from conserve collection. The total amount they gave me was over half less then what the Treasury amount was just the previous month. I told them I never got the first letter from them and requested a verification of debt from conserve over the phone and was told they can't give me anything in writing. Copy 's of the first letter was sent but nothing indicated about the verification. I also stated that the Treasury is still garnish my check there response was the Treasury can do what they want and the fdcpa doesn't apply to them.even if I dispute debt they would still garnish.I called The Treasury and was told all communication were to be done through conserve and they wasn't stoping garnish until debt was paid off Support of complaint From cfpb website and Treasury Fiscal Service and its private collection agencies ( PCAs ) will assist the federal agencies by identifying debtors eligible for XXXX. A federal agency may not garnish wages if a debtor has not been in their current job for at least 12 months and was involuntarily separated from their previous job. In addition, Fiscal Service and its PCAs will monitor collections under the XXXX order to ensure employer compliance From there website, I was involuntary separated from previous job and not working so at current job for 0 months https : //www.fiscal.treasury.gov/cross-servicing/awg/awg-background.html This is from cfpb website : Social Security and Social Security XXXX XXXX XXXX XXXX ) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support. 


The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 



As long as I am using direct deposit, which federal benefits are protected? 

Money you receive and direct deposit to your account or card from the following government programs is protected : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (FL)

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Communication by email, Received another mail from you, I do not owe what you sent me. I pay my co-pays at the time of visit. 
On top of that you listed an attending physician that does not even work at the XXXX XXXX XXXXXXXX or XXXX XXXX XXXX. I dont owe that debt. 
I will file a complain to the FTC if I receive another
Consumer complaint received 2024-06-19
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: Consumer Portfolio Services, Inc. (VA)

Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 3. Inquiry by : XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX 4. Inquiry by : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 5. Inquiry by : XXXX XXXX XXXX  Dealer Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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.

The accounts Below have violated my 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

To Whom It May Concern : I am in the process of trying to purchase my first home and requested that my mortgage lender pull my credit reports. She advised me that I had a medical collection from Ability Recovery in the amount of {$1900.00} that needed to be resolved to move forward with the loan, as it had greatly impacted my credit scores. 

First, I am unaware as to what the collection would be for as I do not recall visiting an emergency room or clinic in the past several years. 

Second, I did some research and found that in XX/XX/XXXX, the XXXX major bureaus made policy changes on how and when a medical collection could be added to credit reports. The first phase was that medical debts would no longer be used to calculate certain scores. 

The second phase happened in XX/XX/XXXX, in which they stipulated that a medical collection over {$500.00} CAN NOT be added to a report without first alerting the consumer that 1 ) There is a debt owed, and 2 ) Providing them a full year to pay it. 

I have attached a screenshot of the collection on my reports and the date " Date Opened '' is XX/XX/XXXX. To my knowledge, the " Date Opened '' date is when the company receives the debt in their office and starts collection procedures. 

If this is correct, then Ability Recovery has not only erroneously placed a collection on my reports that is not mine, but they did not attempt to contact me about it, nor provide the 365 days required by the bureaus to pay it. 

I am therefore demanding that the collection is IMMEDIATELY removed from my credit reports.
Consumer complaint received 2024-06-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (NY)

I paid {$66000.00} cashier 's check on XX/XX/2017 for closing with XXXX XXXX XXXX on closing my mortgage was {$540000.00}. XXXX XXXX XXXX breach my contact and sole my note to FREEDOM MORTGAGE in XXXX of 2017 of which the debt is fully satisfied at this point. I don't have no contract with FREEDOM MORTGAGE and XXXX XXXX XXXX never gave me my financial compensation for selling my note fraudulently. A note is a security agreement and can't be separate from a deed. I'm the only lien holder on this set property according to the documents I received from the XXXX of XXXX of New York.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chex systems has repeatedly cost for me to get denial of services by various banks after requesting documentation in regards to my report and theyre showing no discrepancies at this point I am confused as to how I am being denied and referred to Chex system each time but theyre saying they dont have nothing on me I believe this is in regards to a XXXX XXXX XXXXXXXX account that has been successfully disputed on their end. Chex system is refusing to disclose information and remove any in accurate information on my report I asked for an immediate removal of any information from report is not accurate.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo International, Inc (GA)

I initiated an international money transfer of {$680.00} on XX/XX/year> to XXXX for the equivalent amount to be deposited in a bank account. As of XX/XX/year>, the money has not been deposited. This transaction usually concludes within minutes. I have called and emailed XXXX multiple times and all theyve told me was that there was a glitch on the date the transaction occurred. It has been 11 days. They initially sent an email indicating the money would be deposited on XX/XX/year>. Till date, they have not been able to tell me when or how this issue will be resolved. 

Reference code : XXXX
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

My application with Navient for XXXX XXXX XXXX was approved on XX/XX/year> due to my school that was the loan was taken out for was named in the Borrowers defense legislation and named as predatory school. I was struggling to pay these loans for the years and now while I am more than happy that the loan is cleared I was making payments for the better part of 15 years and now I will not be receiving a XXXX I am confused as to why this is the case. Thank you.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX of XXXX, Bank closed my account with no reason behind it, Ive made all my payments on time, never late. I contacted my bank about the inaccurate information, they looked into it and they had no reason themselves on why my account was closed.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XXXX I opened a checkings account with CitiBank and deposited a check for {$6800.00} XXXX A letter was issued stating my account had been closed due to fraud, and I should wait to receive any funds from the account in a mailed check XXXX I had waited well over the period in which to receive a check, visited the branch several times, and provided proof of validity of the check XXXX currently still awaiting a resolution and my money is still being held by the bank