davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (MN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called and filed a charge back for 5 charges on my account from BOA. They only paid me for 4 and then they did not put a stop payment and the company was able to debit my account 2 more time. I first filed in XXXX or XXXX. For 5 charges for XXXX. They only payed me for 4 transactions then they went into my account 2 more times after I was told that is was a stop payment. I have been with BOA for a long time. Thus is not right. So are you saying that the company that never gave me any services get to keep my {$94.00}. The people at BOA are becoming very rude.
Consumer complaint received 2022-11-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-05-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NC)

My loan is being serviced by  XXXX   XXXX  and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage afte r the 1st modification was approved. Again, they have offered me two times another loan modification  only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tact ics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is takin g it 's toll.
Consumer complaint received 2022-11-15
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)

This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX/XXXX/XXXX ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

In XXXX of XXXX i had a family emergency, so CHASE bank JP Morgan returned my payment for me that was XXXX. and in XXXX i made a payment XXXX the same up to XXXX then in i was put on forbearance plan to make up for XXXX because i was denied repayment plan for that month. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX> XXXX payment went XXXX. that left XXXX, XXXX and XXXX Three payments payments then i made a payment of XXXX that got returned. that would have covered two payments i was behind then in XX/XX/XXXX i made XXXX ,XXXX and XXXX =XXXX, monthly payment is XXXX so that would cover only two payments XXXX, XXXX and XXXX. XXXX with suspense XXXX then in XXXX i made a payment XXXX that went XXXX > then in XXXX i made payment XXXX that went to XXXX >then XXXX i made two payments XXXX that would make two payments that cover XXXX and XXXX then i made payment in XXXX that cover XXXX payment. XXXX leaving me owing for XXXX. with XXXX in suspense XXXX XXXX +XXXX XXXX+ XXXX XXXX and XXXX +XXXX = XXXX paid to Chase payment of XXXX x XXXX and i paid XXXX in 4 months then in XXXX Chase said i owed 4 payments by payment history i didn't owe for for 4 months in XXXX to XXXX XXXX XXXX , JP Morgan Chase i talked to her on XX/XX/XXXX but in XXXX i looked on my account i owed 4 payments so in XXXX i made two to stay out of foreclosure but after talking to XXXX XXXX XXXX she said i was still behind two payments and for repayment i have to pay my regular mortgage and half of the two payments that beXXXX plus my payment that be XXXX for four months when i don't owe it. XXXX also said they was no payment in XXXX but they was i sent proof so XXXX payment went XXXX .XXXX  payment should have went XXXX, XXXX to XXXX XXXX i made two payments to go to XXXX and XXXX then XXXX payment go to XXXX with money in suspense so i should owe less than XXXX i have added and added and this is the is how it should be
Consumer complaint received 2022-11-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I submitted a complaint with the Cfpb because I wasn't informed about an investigation with TransUnion. During my Investigation, the inaccurate accounts were removed. Because when I went to look at my credit report on XX/XX/2022. I no longer had the collections on my TransUnion credit report. Today XX/XX/2022. I viewed my credit report, and one of the negative accounts XXXX XXXX ) has been returned to my credit report after filing my complaint with the Cfpb on XX/XX/2022. TransUnion removed the negative items around XX/XX/XXXX to make it seem like they completed an Investigation. Since my complaint is closed and states, " Has been resolved. '' TransUnion has added it back to my credit report. I do not trust these credit reporting agencies!!
Consumer complaint received 2017-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay  XXXX  and I only owed  XXXX  it is almost double on the loan amount. Loan shark. Date was taking out on  XXXX / XXXX / XXXX  not to be payoff til  XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is  XXXX
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Chase bank reduced my credit limit for no reason even though they knew I was in the middle of my travels. Now my job, my health, my livelihood- all is on the line. They did this as a discriminatory / retaliatory action as a result of my XXXX  ancestry, which they should not be basing their financial decisions based on. There was no reason for the reduction of the credit limit.
Consumer complaint received 2022-11-15
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)

Equifax seemed to ignore my appeals and neglect its duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess XXXX is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IT NOW! 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (IL)

These credit inquiries are from an unknown source. I sent Equifax a dispute letter and an FTC report on XX/XX/2022 and the inquiries are still being reported.
Consumer complaint received 2023-05-23
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: TRUIST FINANCIAL CORPORATION (GA)

Three companies made a hard inquiries on my credit report on XX/XX/2023. XXXX XXXX, XXXX XXXX XXXX XXXX and Regional Acceptance. The number that was listed for Regional was XXXX but their mailbox was not set up. The other two was not listed on the report.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and saw an account reporting as a collection account and a derogatory on my report for XXXX XXXX XXXX with Account # XXXX. This account has no balance because I do not have a debt with these people.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance
Consumer complaint received 2017-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In XXXX and XXXX XXXX XXXX XXXX were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-15
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)

I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, 15 USC Section 1681i, has not been followed by the TransUnion, XXXX, and XXXX Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :
Consumer complaint received 2022-11-15
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-28
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)

XXXX- Incorrectly showing balance due and there was a late payment in XXXX. This account was never late and was PAID IN FULL/Closed by consumer in XXXX of 2022. I've made multiple written requests to validate the late payment and/or balance due and it has been more than 60 days with no response. I've attached my XXXX bank statement as evidence of payoff. Please update this account to a {$0.00} balance, never late or delete the account in its entirety.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Recently my  XXXX   XXXX   XXXX  mother fell and   XXXX   her   XXXX   in three places, while she was in the hospital her tax refund cam e ( she is still in the hospital ), she signed it over to me and told me to pay her rent with it. I endorsed it and deposited it in my Chase account. Several days later I get a letter from Chase telling me that they have restricted my account and  plan to close it because they were unable to verify my mother 's signature. WHY would this problem warrant shutting down my account that I have had for over 20 years? My mother is in the hospital and they could easily call the hospital to speak with her but they insist on me getting a letter from the hospital stating that she is there AND on top of it I have to pay for a notary to go to the hospital and have it notarized then take it to a branch. I am beside myself that I need to do this, I have been given no reasonable options and I am dealing with some very emotional issues regarding my mother 's future. Their solution is unreasonable and causing me a tremendous amount of distress at a difficult time.