davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

hope this message reaches you with the sincerity and urgency it carries. I am writing to you as a XXXX student who finds themselves in an unbearable situation due to the sudden closure of my Chase checking account and failure withdraw of the balance. 

In early XXXX discovered that my checking account had been closed by Chase without any apparent reason or warning. The inconvenience it brought to my life combined with the fact that I had done nothing wrong, has left me feeling utterly devastated, since it was the main resource of the daily consumption for a single student who travelled miles to study in a unfamiliar XXXX 
One of the most distressing aspects of this situation is the lack of communication and transparency from Chase. Despite my continuous efforts to reach out for clarification and resolution, all I received were automated responses with no progress being made. It is disheartening to feel neglected and helpless in a situation that directly impacts my well-being. 
What exacerbates my fragile emotional state is the failure to release the remaining balance of approximately {$4000.00} from my closed account. As a XXXX  student on the verge of graduation and preparing to leave the U.S. this summer, this unresolved matter has become an overwhelming burden, affecting not only my finances but also my mental health.I understand that in the grand scheme of things, {$3000.00} might seem inconsequential, but for me, it represents a crucial for me.The uncertainty surrounding my financial situation has taken a toll on my ability to focus on my studies and has plunged me into a state of heightened XXXX 

I am reaching out to you with a plea for understanding and compassion. I implore you to recognize the gravity of my situation and provide an expedited resolution, hoping that, in your capacity, you can bring some relief to this fragile situation.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MI)

I'm looking to rent an apartment as of XX/XX/2023, and as part of the process they ran me through a Tenant Screening Report. On the report I had a large Total Outstanding balance, which I should not have had as a Resident Ledger I received from when I left the apartment complex states all balances were paid off. Not only that but all payment history present on the report were marked as paid on time, with a few delinquent payments that we paid a few days after rent was due. I should owe nothing to the complex, and even after calling they stated that my account was in the green with nothing owed. This error is a large issue as it is hindering my ability to get an apartment for my new work location.
Consumer complaint received 2023-09-18
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)

XXXX XXXX XXXX  is reporting inaccurate information on my credit profile. They are reporting My XXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a XXXX XXXX. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So state XXXX is report incorrect information
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-08-31
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. (CA)

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 XX/XX/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 2024-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MD)

I am writing to file a complaint regarding an account from XXXX XXXX XXXX XXXX XXXX that has been reported on my credit report. I would like to state the following : I have never received any communication or notificationincluding a debt validation XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt. 
The collection account is now appearing on my credit report, but it does not provide any details about the original creditor or the nature of the debt. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I understand that I should have been notified about this debt, and given the opportunity to verify its validity. This has not occurred. 
I kindly request that this issue be investigated, and the necessary actions be taken to either validate the debt or remove the collection account from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I purchased month to month insurance from XXXX XXXX XXXX XXXX and when I did not pay for insurance this company extended my credit with out my consent. Not knowing I was being charged it then went into collections by a company called CCS Collections
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

They claim to have bought a debt from a company I used to do business with over 10 years ago. There is no debt to collect at all as I have never once done business with this " LVNV Funding '' and the debt with the original company was cleared and settled 10 years ago. I don't owe the original company, XXXX XXXX so this company is completely fraudulent and harassing me unnecessarily. This account just started showing up on my credit report in XX/XX/year> and keeps being put on my report. 
I'm demanding this company stop contacting me, stop placing this fraud on my credit reports, and remove all of my information from it's database instantly.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (MI)

I have filed a dispute with the credit bureau agency Equifax on XX/XX/XXXX regarding a public record regarding a bankruptcy that is inaccurate and unverifiable On XX/XX/XXXX that my investigation was complete and the results were that it was verifiable and that it would remain on my credit report for another 5 years which has impacted my credit score very much and this is said to be verified through a third party Vendor known as XXXX XXXX this is stated in the documents from Equifax. However on XX/XX/1923 I received a couple letters from XXXX XXXX one stating that the disputed information on the public record on my file regarding this bankruptcy was investigated and came to the conclusion of it being unverifiable A second letter that I received on XX/XX/1923 stated that they would file a dispute on my behalf or had filed a dispute on my behalf with the credit agency Equifax however on XX/XX/XXXX Equifax came to the conclusion of my dispute and named the method of verification being XXXX XXXX. I had talked to a representative At the XXXX XXXX XXXX consumer number and was assured that this information was Removed from my file. I am beyond tired of these agencies reporting stuff that is not correct not verifiable not true and it having such an impact would like to do much more than just file this complaint.
Consumer complaint received 2024-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NY)

Okay our mortgage payment was {$1100.00} a month then for some reason months ago they sent us a letter stating our mortgage payment went up to {$1900.00} said our escrow account was short so when we called to find out what happened they told us that our taxes must have gone up so I called the town and town said our taxes only went up {$100.00} so we called them back and told them that wasn't the case the town told us that the Taxas hadn't been paid in XXXX and that year we were with XXXX  mortgage freedom bought us and paid XXXX and XXXX together so we were all caught up in my opinion they didn't do their due diligence when they closed on buying our house mortgage to make sure all the taxes were up to date now they're trying to push it off on us saying we didn't have enough in the account but when our account was set up it was set up to cover everything so when I contacted the company freedom mortgage I finally got somebody to look into it I kept calling back to find out what they found out and they said they couldn't get a hold of anybody at the tax place this went on for about 2 weeks finally I got mad and told them I'm going to get a lawyer and I have them straighten this mess out this is not my fault I have a escrow account for this reason and somehow you guys screwed up and trying to put it on us we have overpaid them {$3700.00} and the reason we know this is because we just got a hold of somebody that said that that is what we overpaid and they were going to look into it again this time when I called back they told me there was no overage and then we had to keep paying the the higher amount it seems like every time somebody looks into it and figures out what's going on the next time I call to figure out what where everything is at that person is no longer there and I have to start all over again this is getting tiring now they sent me foreclosure information so we had to do what they call a trial payment plan make three monthly payments on time and they'll put the next three behind in the back of the book I don't think this is fair because we did nothing wrong from the get-go it's screwing up my credit and I'm not happy about it I'm hoping you can help us really can't afford a lawer at this point and I forgot they told me not to make any payments until the trial payment plan was in place but took {$500.00} and put it in what they call unapplied funds
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information.

Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for account XXXX with chase bank.
Consumer complaint received 2023-02-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2024-10-04
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-10-04
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. (TX)

Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have had a profound effect on my life, causing considerable stress and anxiety. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$14000.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX  - XX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TX)

My phone was at the phone shop and someone unlock my phone and stole my check I did not have XXXX this year I went to the phone shop to get my phone and my check was gone to call center XXXX in XXXX I stay in XXXX tx the shop I was at was spanish that charged me XXXX then I called the bank to let them no and thay where acting funny icalld XXXX gave them my name and card info and keep getting the run around this charge hapind XX/XX/XXXX I still haven't gotten my money back
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

On XXXX XXXX XXXX I received a notification from my credit monitoring service that a collection debt was placed on my credit record. The company is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX  XXXX phone ( XXXX ) XXXX. According to credit report original account was opened on XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX for {$990.00}. I contacted the collection company to get more information on this debt and they refused to provide any assistance as my birthdate and address does not match what they have in the fraudulent account. I did not open any accounts with XXXX XXXX XXXX XXXX on any date. This fraudulent debt is a stain on my credit report and a huge hit on my credit score.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (IL)

I woke up on XX/XX/XXXX to an email from Discover Credit Card saying there was a new credit inquiry on my credit report. When I logged into my account and looked at the inquiry was from XXXX XXXX XXXX and I called Discover 's number that was provided if I didn't recognize this transaction. 
The woman who helped me said that it was a pull from XXXX XXXX XXXX bank and mentioned that they also work with XXXX. I mentioned to her that in the summer of XXXX, my XXXX account was hacked and both my debit and this credit card were used for almost {$1000.00} between the two cards. As she was explaining what I could do ( including filling out this report ), I detached both cards from my current XXXX account and logged out. 
The woman with Discover helped me put a freeze on my card for pulling hard credit checks and I'm trying to fill out all this information to get this resolved.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018, I purchased a personal cashier 's check from my business account with XXXX  XXXX XXXX and deposited it into my personal account with Capital One. However, Capital One has put a hold on my funds since then. I reached out to Capital One about this issue and they informed me through a letter ( attached below ) that they needed more information from XXXX  XXXX XXXX to confirm these funds so they can release them. I have been in contact with a XXXX XXXX XXXX resolution XXXX XXXX XXXX XXXX to help me retrieve this information to get my funds released. They provided me with a letter describing the situation and explaining that the funds did come from my account through a cashier 's check I purchased, they also provided bank statements, withdrawal slip and a copy of the negotiated cashier 's check with Capital One. All these documents are attached below. XXXX XXXX from XXXX  XXXX XXXX also provided us with a fax number and an email for Capital One to reach her incase they need to confirm any of this information or request any additional information so that they can release these funds. All this information can be found in the letter they provided. 

Please help me retrieve my funds because I have been going back and forth between these XXXX banks for years now. I don't know what else to do and it is very frustrating. 

Thanks.
Consumer complaint received 2023-08-31
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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.