davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (NY)

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account ( XXXX XXXX : XXXX ) The date opened is not reporting correctly, date last active and the payment status is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX XXXX XXXX  ) The date opened is not reporting correctly, date last active, last reported and the payment status is reporting not correct. This account is not accurate. 

( XXXX XXXX ; XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX : XXXX ) The date opened is not reporting correctly, date last active and last reported is reporting not correct. This account is not accurate. 
( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX XXXX XXXX  ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

I sent letters on XX/XX/year> asking for them to re-investigate these accounts.

I got the investigation back, but i noticed there was no update or nothing was modified according to the law 15 USC 168 I5, ( If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ) So I requested a description of the re-investigation and they did not provide it to me which is a violation of 15 USC 1681 I7
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 at approximately XXXX XXXX, my Bank of America Savings Account recorded an unauthorized transaction in the amount of {$2500.00}. 
The transaction was a XXXX payment from my Savings Account ( never used for a XXXX transaction in 10 years with this bank ) to the checking account of an unknown individual. 

Immediately upon discovery ( on the very same day of the fraudulent transaction ) I notified Bank of America, requested the bank accounts to be frozen and promptly filed a police report with the XXXX XXXX Police Department, Internet Crime Complaint Center ( IC3 ) and Federal Trade Commission. 

Bank of America was provided with all the documents described above along with a notarized affidavit ( in which I declare that I have not originated, approved or delegated in any way the disputed transaction ) and other documents they requested regarding the cyber-attack ( such as a notice letter from IBM of a data breach involving my sensitive data and screenshots of antivirus detections of malwares on my personal computer on the date of the transaction ). 

Bank of America denied the claim on the basis that I did not provide enough legal evidence of a cyberattack therefore I should be accounted liable of a fraudulent transaction from my " savings '' account to an unknown party. 

The claim was rejected 3 times because they keep arguing that I personally approved the transaction " since I did not provide the right amount of legal evidence of a third party tampering with my devices ''. The type of evidence they are requesting would only be accessible by the instruments of subpoena ( requested by a court of law ) or an expert letter/opinion which would cost by itself more than the disputed transaction. 

I spent hours investigating, filing complaints, waiting on hold over the phone or in one of their financial centers and requesting legal documents to parties which are not interested in cooperating since they do not want liability. 
I was forced by the bank to assume the burden of proof which I believe should not be on the customers ( victims of fraud are not all cybersecurity technicians or a bank investigators ). 
My consumer 's rights have been repetitively violated when I was requested to submit new and different types of evidence which were always difficult to obtain. 

Bank of America should be liable for breach of regulation E and breach of contract when their customers are subject to unauthorized fraudulent transactions. Their fraud departments should investigate the unauthorized transactions instead of asking customers to produce burdensome legal evidence. I am submitting this claim as my last resort before pursuing legal action in a court of law.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Majority USA, LLC (AZ)

I CHOSE TO HAVE A BANK DITCH WITH THEM PORUE SEEMED DIFFERENT TO ME BUT THEY HAVE STOLEN MONEY ENOUGH FOR ME FROM XXXX TRANSACTIONS EVEN TALK TO XXXX AND THESE TRANSFERS HAVE NOT BEEN PAID FROM MY DEVICE TO A XXXX THAT NEVER THOUGHT THAT SOMETHING OF THIS MAGNITUDE WOULD HAPPEN I ASK THEM TO RETURN MY MONEY THEY CLOSE ME L account and do not touch my credit and I demand damages and damages for XXXX XXXX dollars even automatically charged {$100.00} from my irresponsible notebook
Consumer complaint received 2023-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

It has come to my attention several companies made a hard inquiries to XXXX, XXXX XXXX and XXXX without my permission or authorization and I would like the hard inquiries removed. I contacted each bureau and they said I need to file a report and get a FTC number to remove. 



There were several hard inquires made by XXXX by Capital One, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (AZ)

I paid off my entire loan on XX/XX/2023, which was before the first payment date due date ( XX/XX/2023 ). I based my payments on the information available to me on the account portal and the statements issued to me. However, today ( XX/XX/2023 ) I received a statement that said I had not paid off my principle and that my loan was still accruing interest. After reviewing the documentation available to me, I couldn't figure out why I was being told I owed this amount. I called GoodLeap. Multiple of their representatives admitted that GoodLeap 's portal does not clearly provide information about the outstanding principle or interest, which is why I didn't see accurate information. Given GoodLeap 's acknowledgement that they did not provide clear information or documentation of what I owed, and that lack of information prevented me from making informed payment decisions, I requested that they waive the remaining balance ( {$57.00} ). The workers I spoke with explained they did not have that power but would elevate the challenges I ran into. I ended up paying the remainder off to avoid accruing further interest because I did not know my other options. I'm filing a complaint in the hopes that 1 ) this will spur prompt reforms at GoodLeap so others don't have this situation, or worse, and 2 ) in hopes I can get a refund for the {$57.00} since it was GoodLeap 's fault that I did not have access to accurate information to base my payment decisions ( had I had access to better information I would have avoided paying additional interest ).
Consumer complaint received 2024-04-01
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my credit score
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Texas Date : XX/XX/XXXX Subject : Complaint Regarding Refusal of Refund for a Fraudulent XXXX Transaction by Chase Bank Dear XXXX , I am writing to file a formal complaint against Chase Bank for their refusal to refund a fraudulent transaction that occurred via XXXX on XX/XX/XXXX. I believe this refusal is inconsistent with recent policies adopted by banks under pressure from lawmakers and the CFPB regarding reimbursements to victims of imposter scams. 

Incident Details : Date and Time of Incident : XX/XX/XXXX, at approximately XXXX XXXX Description of Fraud : An individual impersonating a known friend and coworker, XXXX XXXX, contacted me through XXXX XXXX, requesting a short-term loan of {$200.00} to be sent via XXXX to an email address ( XXXX ). Believing the request to be genuine, I transferred the amount. 
Immediate Action : Upon realization of the fraud, I immediately contacted Chase to report the incident and request a reversal of the transaction. However, Chase declined my request, stating that they could not reverse transactions made through XXXX. 

Basis of Complaint : As per the article referenced ( XXXX, [ date of article ] ), it was reported that banks participating in the XXXX payments app, including JPMorgan Chase, had begun to relent in their refusal to pay back victims of imposter scams. This change in policy was a response to legislative pressure and the involvement of the CFPB. It was highlighted that the Federal Trade Commission identified imposter scams as the most reported fraud category across all payment types in XXXX. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX, the operator of XXXX, has implemented mechanisms for banks to claw back funds from recipients accounts to reimburse victims. These measures were taken as part of a broader policy to combat fraudulent activities and protect consumers. 

Request for Resolution : Given these developments, I respectfully request that the CFPB intervene in this matter to ensure that Chase Bank adheres to the evolving standards and policies regarding the protection of consumers from fraudulent transactions, especially those involving XXXX. I am seeking a full refund of the {$200.00} fraudulently taken from my account. 

Your prompt attention to this matter would be greatly appreciated. I am prepared to provide any additional information or documentation as required. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Ive requested ECSI and XXXX several times to provide a copy of all master promissory notes justifying the XXXX XXXX  loan and all its terms and conditions. Both XXXX and ECSI are refusing to provide master promissory documents. They refuse to communicate. They also pass the issue to each other. The XXXX XXXX XXXX loan I have with ECSI is invalid as their is no proper master promissory notes for the full amount. They only have one electronic signature from me for the amount of XXXX XXXX They do not have any proper master promissory notes to my knowledge. I do not have a username, password with them or account with them. They are completely invalid and they been aggressive with mailing me. They do not provide me a copy of master promissory notes and without them the loan is invalid. They refuse to communicate and cooperate and clarify. The whole loans with them is invalid because it does not have a master promissory note and does not have terms and conditions. I do see that previously a report was filed in this, however they did not answer it and they did not cooperate. Id like to ask CFPB to please kindly take over at this stage with proper resolution since ECSI loans are invalid except maybe XXXX $ of it. The rest of XXXX XXXX  does not have terms and conditions. ECSI has no right to threaten to collect a debt when there is no terms and conditions. They can not force a payment. I am currently unemployed and ECSI loans are invalid. They refuse to cooperate and communicate. They did no respond to previous reports via CFPB and they have limited time left to answer.
Consumer complaint received 2023-10-31
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. (PA)

I checked my credit report and found that some of the data were incorrect. 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 XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-04-01
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. ()

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$2800.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX ) XXXX Balance : {$1700.00} XX/XX/XXXX XXXXBalance : {$2800.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-01
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (IL)

I started a loan modification in XXXX of XXXX and made the payments and returned paperwork. I paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payment in XXXX. I called to find out what was going on multiple times each time they said they just need payment to clear to get underwriting done. Each time I called the next month and the same story. XXXX comes and I call again. They said the modification was denied due to paperwork was not returned or expired. Which it was returned in XXXX. They told me to reapply which I did but they denied with no reason.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX