davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, on XXXX 2021 XXXX dollars was stolen and then on XXXX XXXX more got Stolen. This happened on a weekend. I went directly to the Police and filed a police report. They said when they looked it was a Fishing scam and they hacked into my email account when I opened a XXXX email That was fraudulent. Ive fought Bank of America for months. I didnt even get a suspicious alert when they stole the money either time. XXXX Unbelievable I was shocked but little did I know it was fixing to Get a whole lot worse. Ive got no help not even a call from Bank of America investigators. That didnt tell me until ( 3 months into the investigation ) how the people were able to do a Bank transfer. Bank of America said that they attached an Account to mine about XXXX XXXX  days before they stole the money. Unbelievable!!!! But This story gets worse. Bank of America refuses to do the right thing and give my money back on my debit card. I even tried to get the account number that the perpetrators used to do the transfer and Bank of America wont give me the account number they used to get my money. So Im Out XXXX dollars and Bank of America is Withholding the key evidence that I need. 
Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

App updated and no longer shows balance after each individual transaction. Only shows current available balance and transaction history. On Saturday i went to XXXX and had XXXX available balance in my one account and XXXX in my spot me. After spending {$88.00} my account dropped to {$39.00}. When i call chime to explain money is missing they admit my transactions vs deposits dont line up and i am missing {$88.00} because my balance should have been XXXX instead of {$39.00}. They stated there is no transaction history of where this money went and they would escalate it. I still have had no response, no help, they hang up on me. And i have entire conversation that originally took place where they admit the money is just missing audio recorded on my phone and have proof.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which has alarmed me as I was not previously informed about this collection. Additionally, I harbor serious doubts about the accuracy of the debt being claimed. In accordance with the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to address this issue.
Consumer complaint received 2024-04-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

A letter was sent to NCB Management Services, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information. The collection account was removed from my credit and then the company added the account again after a month.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (VA)

XX/XX/2024 Had a fraudulent withdrawal pending on my checking account contacted U.S. Bank to dispute. 
XX/XX/2024 contacted U.S.Bank and was told I would be receiving correspondence in the mail for the dispute. 
XX/XX/2024 received the correspondence from U.S.Bank regarding filing the dispute claim. Deadline for dispute was XX/XX/2024. 
XX/XX/2024 Faxed the dispute documents and statements showing this was a fraudulent transaction. 
XX/XX/2024 Called U.S.Bank to confirm they had received dispute claim, they confirmed that they had received the dispute claim. 
XX/XX/2024 received notification that U.S.Bank was closing my checking account. 
Checked back several times on status of dispute being assured it was still under investigation and that no funds would be released until investigation was completed. 
Was told by U.S.Bank to wait for a few more days for the investigation to be completed. At that time it had been over XXXX days since I initially requested to dispute the fraudulent activity. 
No temporary funds were ever put into my account, no investigation was completed XXXX correspondence/documentation about the investigation or results ever received. 
XXXX XXXX spoke to a XXXX that funds were released to XXXX XXXX, despite the investigation/dispute being complete. US bank XXXX XXXX. could not understand why they mailed a cashiers check to XXXX. 
Now my funds ( thousands of dollars ) have been sent to a third party on a fraudulent claim that was disputed over a month ago. 
I have spent over XXXX hours on the phone and filing necessary documents trying to resolve this issue and have my funds returned to me.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

I do not want and have never signed up for paid services from Experian. I recently froze my credit via their website where I maintain a free account. I received an alert this morning that I have been charged {$24.00} for a service I never subscribed too, I have scoured my email for communication from experian but have found no evidence to suggest that I ever signed up for their service. This is predatory behavior. I logged in on XX/XX/23 to check my credit report and to apply a freeze, both advertised as free services. I will dispute the charge with my credit card but I am still angry. I am always cautious and am not easily scammed, so I am dumbfounded how theyve managed to get away with this. Additionally, I am unable to remove the payment information ( which is outdated ) from my profile. After clearing this up I will likely close my Experian account entirely.
Consumer complaint received 2022-11-28
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: JPMORGAN CHASE & CO. (CA)

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


XXXX & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely, XXXX XXXX XXXXXXXX, XXXX ALL RIGHTS RESERVED
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Your car loan company used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am asking : Please remove the hard inquiry for this car Loan from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi my name is XXXX XXXX and I have been trying to obtain a loan modification for the last two years with NationStar Mortgage and have gotten the run around every time, i have been denied however I never know the reason. I do believe my Homeowners Bill of Rights have been violated and my lender is engaging in dual tracking with my property. Additionally I do believe i am the victim of predatory lending and XXXX discrimination. I have done everything with in my power to try to make my mortgage payments
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IN)

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact AMEX directly to VERIFY accurate information is correct and being reported to the bureaus correctly AMEX will send copies of old account statements. When asking the three bureaus ( XXXX, XXXX, and XXXX  ) to VALIDATE that the items being reported by AMEX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking AMEX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus AMEX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Your car loan company used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am asking : Please remove the hard inquiry for this car Loan from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate?
Consumer complaint received 2023-05-23
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: ACIMA CREDIT, LLC (NJ)

My XXXX credit report shows that I have a past due account in collections with a lease to own company called Acima. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. 

I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to Acima once the report is available. Acima said they won't do anything without a police report. 

I disputed it with XXXX who stated they reached out to Acima and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything to me.
Consumer complaint received 2023-06-15
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

This report/complaint is about the named RESPONDENT : CONSUMER FINANCIAL PROTECTION BUREAU XXXX 

Breached Fiduciary Duty to REMOVE false-fraudulent-derogatory-damaging information published in Consumers credit profile, for more than 3-years. 

Respondents ( collectively ) have a fiduciary responsibility ; to act impartially in good faith ; perform the highest duty of care and due care to XXXX, to prevent injury/damage. Respondents ; by and through its Agents BREACHED its fiduciary responsibility and are in default ; consistently engaged in breached fiduciary duty, negligence, unconstitutional conflict of interest, fraud, retaliation, and criminal conspiracy. 

See attached : FINAL NOTICE - NOTICE OF DEFAULT AND OPPORTUNITY TO CURE Service is perfected ; served via https : //portal.consumerfinance.gov/consumer/s/complaint-description? XXXX # XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I am disputing the collection account with Jefferson Capital Systems , LLC, account number XXXX, dated XX/XX/2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that Jefferson Capital Systems , LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Consumer complaint received 2024-04-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Received letter from mortgage servicer mortgage, mortgage has been referred for legal action, foreclosure. My homeowner XXXX XXXX was notified foreclosure action initiated by attorney XXXX XXXX. I have not received notice of the debt being accelerated. 
or letter for foreclosure action. Mortgage payment was XXXX XXXX to Select Port Folio amount {$2000.00} XX/XX/2024 and XX/XX/2024 {$1000.00} total {$3100.00}. Apply payment to my account.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.