davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

A request was made to Resurgent Receivables LLC for Validation of the Debt which the alleged is owed to them and the purchasing agreement. We also have requested evidence of indebtedness via the original instrument of indebtedness and a signed agreement to pay the debt which they allege I owe. Resurgent Receivables LLC has been instructed to cease and desist if they are unable to provide evidence and not to sell, assign, transfer or convey any of my information as I do not consent. Due to data breaches, identity theft and identity fraud, I have taken extra steps to protect my data. Resurgent Receivables LLC has ignored my Notice of Identity Theft, Notice of 15 U.S.C 1692g ( b ) and are attempting in bad faith to collect a debt which is in fact not owed to them based on their " belief '' without sufficient evidence to do so. I have received an unsigned letter from Resurgent Receivables LLC without the acknowledgement of an agent acting on behalf of Resurgent Receivables LLC which is a violation of 15 U.S.C 1692j false and deceptive practices. 

This is Submitted in good faith
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

In XX/XX/year>, Valley Bank froze both my business account ( under XXXX XXXX ) and my personal account without any prior notification or explanation. The freeze occurred shortly after I opened an account with XXXX XXXXXXXX XXXX, which is also located in XXXXXXXX XXXX XXXXy. Despite multiple attempts to contact Valley Bank and resolve the issue, they have continued to withhold access to my funds. 

The account freeze has caused significant financial XXXX, as I have been unable to access my money for essential expenses for both my business and personal needs. On several occasions, I requested detailed information from Valley Bank regarding the reason for the account hold, but their responses have been insufficient and unhelpful. 

Key dates and actions : - On XX/XX/XXXX, I first noticed the account freeze when I attempted to make a withdrawal. 
- On XX/XX/XXXX, I contacted Valley Bank customer service to inquire about the issue, but received no clear explanation. 
- On XX/XX/XXXX, Valley Bank informed me that the account hold was due to my recent account opening with XXXX XXXXXXXX XXXX. They never informed me that my account was frozen and would be closed. 
- From XXXX to XX/XX/year>, I have made several follow-up calls and visits to Valley Bank to resolve the issue, all without success. 

The amounts involved include all the funds in both my business account ( XXXX XXXX ) and personal account, which have been inaccessible since the account freeze. Additionally, I am seeking compensation for various fees incurred due to this issue : - Initiation fees and under-the-limit fees for both my personal and business checking and savings accounts. 
- Fees for three auto-drafts that were automatically set up to go from XXXXXXXX XXXX but failed due to my account being frozen without notice, resulting in additional charges. 

Letters from XXXX XXXX  regarding these fees are attached to support my claim. 

I am seeking compensation for the funds that have been unjustly frozen and for the financial XXXX caused by Valley Bank 's actions, including all associated fees and charges. Valley Bank 's intention was for me to make business deposits in an attempt to hold my business funds indefinitely. Their intention was for me to make business deposits and use my business funds to pay off a business line of credit and business credit card.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

Credence Resource Management LLC reported false and inaccurate information regarding an alleged debt to two major credit reporting agencies. The company reported this information before attempting to contact me with the option to verify or dispute. On XX/XX/2023, I initiated communication with the company by certified mail and email. In my communication, I specifically requested documentation to allow me verify and validity of the alleged debt. The company failed to respond to my initial dispute and failed to provide me with any information to verify. Furthermore, Credence Resource Management LLC continued to report this information to credit reporting agencies, which resulted in damages of my reputation, and credit profile. I am aware Credence Resource Management LLC illegally obtained my private information and breached their privacy policy by reporting without my explicit consent.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (TX)

In XXXX of XXXX grid took out XXXX fee payments of {$10.00}, XXXX of them on XX/XX/XXXX the other XXXX were taken out on XX/XX/XXXX. When I XXXX  contacted Grid customer service they said that it was within their right according to their terms of service to take multiple payments at XXXX time for fees to their subscription service. I kept contacting them about the issue asking them to credit the payments back to my account and this led to them telling me I had another old account which is the account the fees were associated with. This account had been closed in XX/XX/XXXX with no balance owed. I wrote again asking them to credit my bank account the {$160.00} and they replied back that they couldn't reimburse me for the charges because they had already processed the application for my Grid card.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I get direct deposit every month from social security on the XXXX of month and if that falls on weekend or holiday then it is supposed to deposit the Friday before that which should have been today. This is second time in couple months chime has done this now my payments for car insurance will not go thru and policy cancelled also my phone and I have a XXXX XXXX and supposed to have phone to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I'm XXXX and have limited income and this will cost me reinstate fees plus higher rates and will make my credit for online payments of bill bad affecting my credit. I contacted them online chat email and phone was treated rudely insulted and lied to. And told me they don't have to release my check until XXXX. Which is not true mine is released by my birthday. They did this a couple months ago and admitted after that it was their mistake. They don't care even though I've banked with them 5 years now.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.
Consumer complaint received 2023-02-20
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. (NC)

I have submitted a dispute for the account noted below : XXXX XXXX XXXX XXXX This is not accurately reporting. I have disputed and requested validation of the debt. The consumer credit reporting continues to say the company have confirmed it is valid. However, it is not. I have requested validation methods and sent verification of my identity as this is not accurate and adversely impacting my credit file.
Consumer complaint received 2023-09-06
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. (CT)

Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-05-24
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. (AL)

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.

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I would like to dispute the following listed hard inquiries ; I have not applied for anything since XX/XX/XXXX. Back when I applied for my auto loan. I have attempted to reach out to the companies. I am not aware of the following listed accounts. Unfortunately I have not been able to get a resolution. Please investigate an remove inaccurate information. I have been a victim of identity theft before. I have notify each credit bureau in the past. 
Ive also taken safety measures to reduce my risk. Which these companies have failed to do. I should have received a phone call to verify my identity. Before any company can have access to my credit files. 
I have attached my id & lease. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (WI)

All I wanted to change of address. 
In XXXXXXXX XXXX XXXX, I moved to XXXXXXXX XXXX XXXXXXXX to a XXXX until an apartment opens up. Today, I tried to give my new address, which is : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX, I did fill out the USPS change of address cards each time to a new city I moved to as well from. 
I don't have control of the processing of USPS mail.
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: ALLY FINANCIAL INC. (KY)

Our closing was XX/XX/XXXX. On or around XX/XX/XXXX they requested closing disclosure which is one of the first documents they should have had. I called to ask why they were still requesting documents a week from closing and if we were closing in time. I was told I would get the clear to close by Thursday XX/XX/XXXX. On Thursday I called and was told the original mlo was on vacation and they didnt have the appraisal because the closing disclosure wasnt sent and the appraiser was on vacation. Then after getting the appraisal at the last minute it mentioned some cracks in the foundation. We had already had an engineer inspect it but didnt have a written report. Ally requested a written report which took another day and second report. In that time we had already sold our current house and had to come to a rental agreement with the seller. There was no guarantee the seller would do this but was kind enough to.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-10-17
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (NY)

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus TansUnion, XXXX and XXXX
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (FL)

Ive noticed some fraudulent info linked to my identity. Some accounts and transactions have been wrongly tied to me, causing a lot of worry. Ive fallen victim to identity theft and have reported it. This issue needs quick attention as its harming my finances and reputation. I kindly ask for your help in quickly removing all false info from my credit report and thoroughly investigating this. XXXX ready to provide any needed evidence and, if necessary, take legal action to protect my rights and get proper compensation. I appreciate your immediate attention to this urgent issue.
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (FL)

Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (VA)

Apparently a loan was taken out in my name using my information in XXXX. I did not sign for any loan. This needs to be taken out of collections, out of my name. I do not have a student loan for {$110000.00} that was told to me by Mohela. I do not have an outstanding loan.
Consumer complaint received 2017-03-26
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (NE)

I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.