davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (OH)

I am the victim of true name fraud as a result of the Equifax data breach. On XX/XX/XXXX of this year, fraudsters applied for loans in my name to more than 24 entities. These fraudulent applications appear on my Clarity report, XXXX, Equifax and XXXX credit reports. I alerted Clarity and the credit bureaus of this situation. I also placed credit freezes and fraud alerts on all my reports but I am still being quite negatively impacted by this. Most recently, XXXX XXXX notified me that their exorbitant auto insurance quote for me was based on the number of credit inquiries on my XXXX report. But I did not make these inquiries and I am not being properly assisted by the bureaus because they fail to communicate the status of these fraudulent inquiries on my report and continue to supply this false negative information to companies and businesses. I really need help!
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MO)

I applied for an Open- Ended extended line of credit with AMERICAN EXPRESS XXXX XXXX and was denied. Regardless of the reasons for denial, I have the right to credit. With holding my access to my securities is SECURITIES FRAUD. AMERICAN EXPRESS IS VIOLATING THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER AND CONSUMER CREDIT PROTECTION ACT. CREDIT DENIAL IS CONSUMER FRAUD SINCE AMERICAN EXPRESS HAS DENIED ME MY CREDIT, PLEASE RETURN MY APPLICATION FOR IT IS NOT A GIFT.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (OK)

Woke up this morning to calls every 30 minutes..I answered told them I'd pay by the mid of the month since I'm only 3 days past due. They said they were gon na keep calling I informed them of my rights and how they can not harass and or call me more then a certain amount of times per week but they ignored it.
Consumer complaint received 2024-07-05
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: ARVEST BANK GROUP, INC. (TX)

I saw a credit pull on my credit report from Arvest Mortgage. My mortgage was with XXXX and they transferred it to Arvest. 

I did authorize XXXX for credit pull and it decreased my credit score few months ago due to that pull. 

Arvest has no right to do second credit pull when XXXX transferred my mortgage to them because I did not authorize it. This reduced my credit score further and is a clear violation and it not only needs to be corrected and I also seek compensation for this mischief of Arvest.

My Arvest Loan Account number is XXXX
Consumer complaint received 2023-10-27
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. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 Section 604 a section 2 : it also states a consumer reporting agency cannon furnish an account without my written instruction 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 informaiton, 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 infomation relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

On XX/XX/XXXX my XXXX  was stolen from my handbad on the XXXX XXXX going home after returning from shopping at XXXX. I did not notice it was stolen until after I was home for a while. My computer and XXXX  stopped working. The thief changed my password on my phone and got into all my apps to get money. XXXX was the first one that I noticed that had activity of {$4900.00} taken out of my XXXX debit card. I notifed XXXX as soon as I noticed this transaction and also called XXXX to report it. Also called the police the next day. They came over and took the report and gave me. report # XXXX and it was put down as XXXX XXXX Then I decided to check my Discover credit card and noticed that there were chafes of {$1400.00} on my account. I called Discover and they took the charges of and sent me a letter to sign an affivdavid and I did and sent them a copy of the police report from Police department XXXX. The police report did not put the amount of Discover card because I was waiting to hear from Discover if there were more charges. It turns out there were not. I went over to the police department after I signed the afadavid and gave the XXXX XXXX a copy of the affavid with the charges. I got the report before the charges were submitted. I received a letter dated XX/XX/XXXX from Discover Card stating that they did not see any indication of Fraud and have put the charges back on my account and told me that I am responsible for these charges. I called to complain and they opened the case again for review. They mentioned that the detective did not return their call regarding the case. It turns out he went on paternity leave and will be back XX/XX/XXXX. I am waiting to hear what happens after he contacts them. Feeling extremely dispointed in Discover card as I have been a loyal client for many years. The expenses that are disputed are not my typical of the charges that are normal for me.
Consumer complaint received 2023-11-03
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. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Collection Services, Inc. (MT)

I spoke with XXXX, a representative from Automated Collection Services Inc., on XX/XX/year>, regarding a collection that was filed on my credit report in XXXX of this year. Because the correct mailing address was not on file, I never received a collection notice and I still haven't.She told me over the phone that the business does not participate in pay to deletion. I requested that the collection be removed from my credit after the call ended because it was inaccurate to say that I ever received a notice in the mail.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (LA)

XXXX states an account is mine but contacting them several times this year, I have found incorrect information. The address of the account is not mine and they illegally updated the address to my correct one. The address according to customer service that opened the card is in XXXX whereas I am in XXXX 

The credit reporting agencies are also reporting inconsistent data ( see attached ) and I have been working with them to get this removed as well and they refused. 

No one has sent proof outside of statements that show no signatures.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BTH Management (MO)

XXXX XXXX XXXX Number : XXXX Current Plaza Services Account Number : XXXX I received a call from phone # XXXX on XX/XX/year> at appx XXXX XXXX. A female left a voicemail message NOT identifying who she was, or who she was representing, threatening to come to my house and saying I better have a " valid ID ready ''. 

I called the number back and the male that answered did not IMMEDIATELY identify who he represented at the beginning of the call and instead placed me on hold and identified himself after returning to the call. 

He said something that was unclear and sounded like he was from " XXXX '' and that this is for a debt from XXXX XXXX. 

The company has violated FDCPA by 1 ) using abusive language on the call, including denying that they skip-traced my families ' number and when I cited the FDCPA, telling me that the abuses were deserved because I need to " fulfill my obligation ''. 
2 ) lying on the call 3 ) not IMMEDIATELY identifying who he represented at the beginning of the call and instead placing me on hold 4 ) calling my phone number back immediately after I advised a cease and desist on the call, and threatening to sue, asking " what is your attorney 's information??? '' after I said " hello ''. 

I am on XXXX XXXX XXXXXXXX - I do not work, and that is my sole source of income ( see attached ). I can not pay this debt and you will not be able to collect, as I have no assets. 

Again, I do not have the income or resources to pay this debt, but this original debt was satisfied, minus the usurious interest - I received ~ {$7800.00} in loans and paid back that much before becoming XXXX.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XX/XX/2023 added multiple inquiries on my credit without my consent. 

XXXX XXXX XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX - XX/XX/2023 - added a hard inquiry on my credit also without my consent.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 XXXX # XXXX - XXXX XXXX Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate. 
I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ProCollect, Inc. (MI)

I XXXX XXXX is a victim of fraud and I was XXXX XXXXXXXX XXXX XXXX  a couple years ago by three guys and one was only caught and I have a police report for proof and the case is still on going the guys who robbed me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. XXXX XXXX XXXX XXXX  for {$530.00} XXXX XXXX for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (MA)

Hi XXXX XXXX collection ; cfpb ; These XXXX alleged account for alleged about was due to potential identity theft issue. I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I was contacted by an employer who was using an official email address of a non-profit organization. They told me to deposit a check worth {$2100.00} in order to begin the employment. I soon realized this was a employment scam, but by the time I realized the check had already landed in my account. At the start of XXXX, XXXX restricted my bank account because the check was flagged in the system. I've called and asked them to return the check on their end, however they told me they were unable to do so. I then asked to be forwarded to an account specialist, which told me the check was able to bounce within the next 3-5 business days. This account specialist also made is crystal clear after I inquired, that my account would NOT be closed. Please contact the JPMorgan Chase for the call records. Then, {$2100.00} was withdrawn from my restricted account by Chase on XX/XX/XXXX. I called in to ask if the check has been bounced, and they told me that it has, and my account would be unlocked in the following 3-5 business days. On XX/XX/XXXX, I logged onto my account to see that my checking account was closed by the company, contradicting the claims made by the employees on the other end of the support call. JPMorgan Chase refuses to act on my behalf, even after explaining to them my situation and the attempted job scam. Now, they have {$2100.00} of my money suspended, and after visiting a branch employee, they still refuse to act on my behalf.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX, XXXX received a call from Chase Bank XXXX suspicion of fraud. I call that same number back, yes Chase bank XXXX XXXX, I explain previous call, no that is suspicious. go into branch to discuss. Realize once at that branch, XXXX XXXX XXXX up ATM was used to get money from my mothers account with my debit card? 
My debit card is set up to my checking account, not my mothers accounts. XXXX XXXX, ( XXXX XXXX XXXX ) investigates, says looks internal! She files a claim with fraud department and advises I File a police report in XXXX. 

Go to XXXX Police station file a report with XXXX XXXX. several weeks later I contact XXXX. XXXX ... he has subpoenaed video XXXX XXXX up ATM where fraud occurred. 
Discovers a young male walking up to ATM, creating a wallet and withdrawing money. 

Now I am told they believe that I was involved, so no monies returned and case closed. 

My question is how can someone w/d money from XXXX account with the debit cad from another account? The bank responds, we now have smart ATM 'S. case closed
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (NC)

Our home mortgage was with XXXX when I experienced a job loss due to COVID19 Pandemic. At that time XXXX approved our forbearance status beginning in XX/XX/year>. When our mortgage was acquired from XXXX by Roundpoint Mortgage Servicing LLC, Roundpoint reported our mortgage to the Credit Bureaus as being over XXXX delinquent - even though we were in an authorized forbearance program. With that erroneous report, my credit score dropped from XXXX to under XXXX. I have contacted Roundpoint multiple times asking them to correct THEIR mistake and report to the Credit Bureaus that the delinquent report they they sent was not accurate. The customer service team members at Roundpoint agreed that Roundpoint should not have reported us as being delinquent, made notes on our account, and sent a request with notes to the authorized department to fix the mistake. After " elevating '' the request multiple times, Roundpoint has yet to take responsibility for their mistake and make corrective actions- including reporting to the Credit Bureaus that they mistakenly reported us as delinquent. The result of this mistake and lack of action to correct it has decreased my borrowing ability and substantially increased my cost to borrow money. I am filing this complaint with CFPB to have a public record of my grievance and to hopefully compel Roundpoint to do the right and ethical thing to correct their mistake and restore my credit and good name.