davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

I wrote a check to my niece for {$1000.00} on XX/XX/XXXX as a wedding gift. She opened an account with CHASE BANK in XX/XX/XXXX at New Jersey, USA. The check was debited out of my account on XX/XX/XXXX into the newly opened CHASE account.

However, Chase c losed the newly opened account and withheld the fund ( USD XXXX ) because of an error in the check I wrote. Instead of writing her official name, I wrote her nickname that we call my niece at home. It was an oversight and an honest error. Chase never flagged this as an issue at the time of deposit, and in fact they took the money out of my account as afore mentioned on XX/XX/XXXX. 

CHASE called me on my land phone line to confirm my identity on XX/XX/XXXX. After this verification call, CHASE communicated to my niece that they will issue a check for XXXX to her that was being withheld. 

On XX/XX/XXXX my niece informed me that Chase reneged on that position and continues to withhold my money. I have since, request CHASE to re-fund the money back to my account but no avail. I went to Chase Branch in XXXX, Colorado and shared my identification and the details of the issue ( Copy of my State Issued Drivers license, and a copy of my Bank Statement, including copy of the check - attached ). The branch helped file a case [ XXXX ] to CHASE Bank Branch complaint escalation line [ XXXX EXT - XXXX ]. I have called this number many times, but no one picks up the line no matter time of the day or night and they do not return any of my calls both on the land line and cell phone number. 

I would greatly appreciate if you can have them return my call on my land phone line and or write a letter with the resolution and refund back my check in my name.
Consumer complaint received 2024-06-01
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. (CA)

XXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX days late, and XXXX was XXXX  days late, However XXXX shows XXXX was paid on time, XXXX was XXXX days late and XXXX was paid on time, Transunion shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Consumer complaint received 2024-06-01
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. (SC)

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( last 4 SSN is XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a mortgage loan account opened at Central Loan on XX/XX/XXXX under the account number ( XXXX ), and 2 student loan accounts opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-01
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. (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I called Equifax to let them know of an inquiry that popped up on my credit report that i had no knowledge of or any ties with. I spoke with someone by the name of XXXX and he said that he couldn't help me. As of today XX/XX/year> the unknown inquiry still remains on my credit report.
Consumer complaint received 2024-06-01
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 The 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 2024-06-01
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. (DE)

I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX. Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.
Consumer complaint received 2024-05-09
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. (AZ)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

On XXXX of this year we were contacted by XXXX XXXX XXXX ( XXXX ), a collection agency, hired by XXXX XXXX in XXXX, TX. 

We inmediately responded to the debt collection agency but they did not reply or acknoledged our communications. Instead a few months later we received notices from different bank institutions that our credit score has been penalized because XXXX filed this report. We were flabagastered that they can do anything like that and we felt defenseless. Our credit report has been impleacable for decades and the action of a rogue, umprofessional agency feel they can go ahead and damaged our financial credibility is just wrong. We are seeking an inmediate withdraw of that report and we hope that CFPB would help us defend ourselves in this matter. 

We used XXXX Pools for a few months, back in 2022 but overall we had to switch to a more efficient company because of the poor quality of their service and under trained workers they had. At one point our robot needed a new valve and after reminding them 3 or 4 times they installed it... backwards!! The pool would frequently look unkept and the fountain area greenish. We owned the house for over 7 years at that time and never had greenish water on that area. 
On XX/XX/2022 they recommended us to clean the pool filters and we agreed to that charge although they quoate us higher than ever for that service ) the following day the pool system stopped working. We called and they fixed it but wanted to charge us an additional {$180.00} which we disputed. 

We were very unhappy with their handling of the issue and decided not to work with them anymore. We left repeated messages about cancelling the invoice but they kept sending it without any explanation. 

We did not agree not to sign any invoices, proposals, or contracts for these services for the month of XX/XX/2022 and we told them that we have no intention to pay for them, first to the XXXX XXXX company and then to the Debt Collection company. We dutily paid for every other invoice they sent us in the past, like we had done always with the previous company we had used. This is inmoral and probably illegal and we are seeking for some guidence to make sure they dont do this in the future to us or other people.
Consumer complaint received 2024-06-02
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. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 2024-06-01
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. (TX)

XXXX  Bank This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX Bank XXXX  Account # XXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX  Bank is violating specific laws continuously XXXX XXXX XXXX XXXX XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  are XXXX to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2024-05-09
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)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-06-01
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 XX/XX/XXXXConsumer 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 2024-06-02
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. (TN)

t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Consumer complaint received 2024-06-01
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. (IL)

I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the XXXX XXXX XXXX XXXX XXXX XXXX and my local police department. Attached, you will find copies of my XXXX identity theft reports and my police report for your records. 

I have also mailed a copy of these documents to XXXX and TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Consumer complaint received 2023-08-11
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. (TX)

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$7300.00}
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

I received an email on XX/XX/year>, about Student Loan Discharge based on XXXX XXXX XXXX. I was ecstatic. My loans were discharged based on an XXXX finding that the XXXX XXXX made pervasive and widespread substantial misrepresentations. The students loans were wiped out off my credit reports shortly after. The following month, I started getting notices from Mohela about my loans were approve for consolidation and to start making payments. I ignored it because I knew it was a mistake. After getting two or three more notices from Mohela, I called Mohela in XXXX and said, " this must be a mistake because my student loans were discharged ''. Mohela could not find any information on my loans being discharged in their records and said they do not know when their records will be updated. 

According to the XXXX XXXX XXXX XXXXXXXX  ( XXXX ), my loans were forgiving in XXXX, but Mohela consolidated my loans and started sending different and inaccurate bills to my address to start making payment. Mohela keeps saying they do not see my loans discharged in the system, and they do not know when they are going to see it. Currently, the loans are showing in my credit reports. I spent almost one to two whole workdays trying to resolve this issue, but nothing was resolved. Mohela has cost financial, mental, and emotional distress on myself. Please help resolve this issue.