davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MI)

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXXXXXX XXXX XXXX XXXX  Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I, XXXX XXXX XXXX ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Ac tThis statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. I
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MD)

On or about XX/XX/XXXX, a person by the name of XXXX XXXX stole a check forged my name and deposited the same into his account. I contacted Citibank regarding this matter, to no avail the investigation was closed twice due to Citibank 's failure of providing letters of information requested the 1st time and when having done so, up and to including a police report mailed into Citibank, they have not given me my funds back. I go to court in this matter on XX/XX/XXXX.
Consumer complaint received 2021-02-15
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

I was in debt with 2 Chase credit cards for several years and I paid a large sum of money to Chase to get my balances down and improve my credit score. As soon as I get these balances paid down Chase decides to drop my credit limit to {$300.00} over the amount of the unpaid balance. The point being I paid these high balances down to help my credit score and Chase uses the pay off to decrease my credit score. The problem being I paid the credits down to increase my credit score, High available credit but low balances. Chase drops my balances, so my credit card is showing full balances. So my credit score took a double hit, one for credit decreased and two for maxed out credit cards.
Consumer complaint received 2021-01-07
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: Experian Information Solutions Inc. (CA)

I received two separate texts with a " one-time passcode '' to access Experian. I have never used Experian and did not request to view my credit score at Experian or any other company. I'm afraid someone is using my information to try to access my credit report.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I applied with Bank of America for a home long on XX/XX/2024, I had submitted all the requested documents time and time again. 

During this process, I was led to believe that everything was going well, as I checked my portal and saw the documents requested was rec 'd, reviewed and completed by Bank of America. 

Myself and my realtor was in communication with my lender throughout this process regarding the loan. 

I had requested a loan of XXXX from Bank of America during this time. 

I felt at this point I was led to believe that I was ok and that my loan was approved, it had already be weeks to a month with no negative information regarding the loan. 

At the end of XXXX, a week or two into XXXX my realtor contacted my loan officer and we later found out that I was denied. 

This is not XX/XX/2024 and I have not yet rec 'd a letter of denial from Bank of America and my portal still shows Mortgage in Process. 

My loan officer told myself and my realtor that he could not tell me the reason for the denial and that a letter would be forthcoming in the mail. 

My loan officer called and left a message he was closing the loan out, but as I reviewed my portal the loan application has not been closed out. 

I did in fact call the bank to get an reason and spoke a another loan officer who could not share much information on the loan but stated that a letter of denial is submitted once the loan application is closed, this has not happen as of this compliant. 

I felt that has there been any issues with in a week or two of the application I should have been notified and not lead to beliver otherwise.
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent a letter on XXXX XXXX, 2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.
Consumer complaint received 2022-11-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) has violated my rights. 

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 2022-11-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) has violated my rights. 

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 2022-12-20
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. (MO)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible! 

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 ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( XXXX ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

I was notified by Chase XXXX Fraud Department that my XXXX XXXX Credit Card had a questionable charge around {$9000.00} at a XXXX XXXX XXXX location somewhere in Georgia. I verified that this was a fraudulent transaction and both my wife and I were in possession of our cards. 

Chase asked me if I received the new card I recently requested and I told them I had not requested a card. They told me someone requested a card in my name to be shipped to my home and it was delivered. I work from home and my office is adjacent to the front door and XXXX had not delivered a card. I asked them how someone could request a card and they told me the person provided my security answer. I told them that my security answer was not written down and only applied to this account. I then changed my security answer and they cancelled both the old card and the new one they issued only in my name. They sent my wife and I new cards, which we validated upon receipt. 

I then asked the Fraud Department how anyone could have obtained my security answer and the supervisor told my they had not asked for my security answer as the phone number showing on their end was my home phone. My wife and I were home when Chase received the request for a card under my name and we live alone. We did not call to request a card. Chase has changed their story several times regarding the procedure for issuing a new card without verifying who they were speaking to. It is my opinion that someone in their Fraud Department is scamming customer accounts. They told me that this was impossible and I then asked how they issued a card to me that I did not request without verifying who I was and how they delivered it when I was home all day and no one came to the door. 

I requested someone in the executive department contact me and have had no response. I work as a XXXX  to the XXXX XXXX in XXXX and my wife is a XXXX XXXX. I am home unless I am on the road for business.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX have some form of block on my consumer report that is preventing me accessing my consumer report which I am entitled to one. There are several names that are not mine and addresses that are not correct at all. I have provided proof that this information is incorrect and they still refuse to remove it. Specifically XXXX continues to report a name XXXX XXXX that is not mine. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX my only employment is XXXX XXXX XXXX  any other information is incorrect. I have attached my identification and my residency.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (NV)

On XX/XX/2022, i purchased a set of furniture for my new roommate and I from a furniture store for {$3400.00} cash price. We were convinced to pay later in full within 90 days to " Koalafi '' with no interest charge at the purchase price of {$3400.00}. 

Subsequently, {$210.00} were automatically withdrawn from my XXXX account once every other week. I was under the impression that the whole credit of {$3400.00} would be satisfied after XXXX equal payments of {$210.00}. 

However, I was shocked to learned that Koalafi added amount of {$7600.00} to the total pay-off amount ( not including the amount they already withdrawn from my bank ). 

When contacted, the furniture store then presented me with this agreement containing fine prints including a " lease agreement '' ( i've never agreed to a lease ) with Koalafi of which i did not know was buried in the fine print. The furniture store, at the time of purchase, did not present the entire agreement to me at signing. It was buried in what the furniture store convinced me was a purchase agreement, not a lease agreement with insane fees of multiple costs of the actual furniture.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

My XXXX statement for my Chase BA Visa credit card indicated that I had earned a total of XXXX XXXX reward points but only XXXX were transferred to my airline. Leaving XXXX missing points. I called Chase to look into the error after the missing points had not appeared on my XXXX statement. I was told that the issue was understood by the call representative and that I should have the missing points by next billing cycle. This did not happen. I called again on XX/XX/22 to follow up and was told there was no record of my previous call and that I would the issue would be escalated. On XX/XX/22 I received a letter in the mail from Chase dated XX/XX/22 acknowledging the issue I had raised and asking me to contact Chase Cardmember services to give further information. I called the number given on the letter and spent well over an hour being transferred to various agents, sometimes getting disconnected and needing to call again. Agents were unable to find the letter in the system or tell me what information they needed. I asked to speak with a supervisor who was able to find the correspondence, but then when I asked what information was needed as per the letter, she said she could no longer hear me and the line went dead. This issue remains unresolved.
Consumer complaint received 2024-03-23
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. (NJ)

Your company XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures. 


Account number XXXX
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX CALIFORNIA ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (FL)

XXXX XXXX came to us and sold us solar panels. they said our electric bill would be in the low double digits, and that we need XXXX or XXXX panels. This is based on the energy usage of our current air conditioner. I informed XXXX, the salesman, that the A/C is XXXX XXXX XXXX. he took my Income tax return, checked my credit, and qualified me for a XXXX loan. They did not discuss the contract with me. after a few months Other solar companies advertised on XXXX the installation of solar panels with new A/C in the package. My light went on and I realized that they overcharged me and installed too many panels based on an old air conditioner. I contacted XXXX several times and on 2 ocasions he promised to try and help me with a new air conditioner. So far, that did not happen. Once I realized that GoodLeap Financial was charging interest only, I questioned why they also did not go over the lease with me. i did not know I had three days to cancel. Both XXXX XXXX and GoodLeap told me that I am qualified for a 26 % or {$11000.00} credit. They both told me to get the {$11000.00} and do what I want with it or put it towards the loan and I I do not put it towards the loan then my payment would increase from {$70.00} per month in 18 months to {$180.00} per month. So far, the retired IRS agent who filed my XXXX taxes asked me " Who lied to you ''. I complained to both XXXX XXXX and Good Leap and they said I have 5 years to file. When I filed my XXXX taxes I used a paid service and they told me that the government does not give money back. They use it as a credit towards my total income and lower my taxable amount. We are still not qualified due to our income. Both XXXX XXXX and Good Leap are aware. Our monthly payment is $ 189 monthly. Our electric bill last month was XXXX plus dollars. Our lives are now miserable. We are begging GoodLeap to lower our payments or come and take their panels which are of no use to us anyway. In XXXX, I begged them to let me pay {$76.00}, they received {$76.00}. I am no longer able to access my account with GoodLeap. This month we paid {$110.00} or so. They said we will be paying {$180.00} after this month. We are not able to make that payment. This is due to the lies and tricks of XXXX XXXX and Goodleap. Neither GoodLeap nor XXXX XXXX has reviewed their leases with us. My husband did not even sign their electronic stuff and I am not sure if XXXX XXXX electronically signed the contract on their own.