davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

On XX/XX/2023 I received a wire transfer from XXXX XXXX XXXX XXXX  later my account had a fraud hold. so I went in the bank with the person who sent the money to my account. They endorse the money to me inside XXXX XXXX XXXX branch with the vice president, XXXX. XXXX I provided documents for the business to show. It was a real business along with my identification. The fraud department still put a 14 day hold on the account the investigation went over the promised 14 day period. XX/XX/2023 I received a letter saying my account would be closed and I would be mailed a check with the remaining balance. now, XX/XX/2023 I went into the branch because I didnt receive a check in the mail in the fraud department told the banker that I had to send a document to XXXX XXXX in order to get my funds released from unclaimed property. They would let me claim the money that was in my account and they wouldnt send the money back to XXXX XXXX as requested. they told me after my account was closed that I had to send over documents, which didnt make any sense because when I research the information, none of what they said was true. I requested a fraud team manager over and over again they would not give me one. The guy XXXX that was working. My case was very rude and not helpful. Ive been treated like a criminal.
Consumer complaint received 2023-10-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (WV)

The company LVNV funding lll in the amount of {$480.00} is reporting as a collection/charge off I have asked for them to remove it, or provide me with my authorization or signature proving this is my debt and have had no response. I would like it completely removed off my credit report as it is affecting me financially and I am trying to build my credit and they refuse to help!
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. The account numbers reported to Equifax, XXXX and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for Equifax is # XXXX, XXXX is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX ) is not listed on Equifax or XXXX. 

There is an account ( XXXX XXXX ) listed on Equifax in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on XXXX.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My son received a settlement check over the past weekend. My son is currently at a mental institution. I went to visit him and he signed the check. I went to chase on XX/XX/XXXX and deposit the check. The next day I went to buy something to eat and my account was restricted. When I deposited the check, the receipt said the check be will cleared in XXXX XXXX. I went to a branch and they had computer problems that day so the clerk gave me a number to call. When i called Chase the supervisor said my son needs to call them with a cellphone that his name is registered to. My son is currently at a mental institution. He does not have a cellphone. He can call me on a patient phone. Not only has chase blocked my account but they restricted it. I can not buy food to eat. I am multiple myeloma and I am hungry. I have begged them the allow me to take some of my money from the account, and they said no. The check is legit. Now chase told me after XXXX XXXX they will close my account and issue me a check. It will take another XXXX XXXX  before I can get a check issued from them and the check will be void. The check is from the XXXX. They will closed my account
Consumer complaint received 2023-02-25
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. (NJ)

This XXXX  is not my account. It is my mother 's account and she passed last year. I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: American First Finance, Inc. (FL)

{$120.00} XX/XX/23 {$1000.00} XX/XX/23 My account was charger twice from this company. As a result, I had to close down my account. 
Ive been receiving multiple letters asking for money. They claim they have authorization for withdraw form an unknown card. 
Company name : American First Finance XXXX American first finance.com XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-06-22
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-08-01
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. (NV)

I have a student loans with XXXX and I have been sent to the collection agencies for not paying my loan the past year. I was informed that loans would be suspended until we figure out what kind of forgiveness for loans would be allowed by our govt. I checked my credit recently and its at an all time low because of the reports from XXXX. No one from XXXX contacted me about being reported. I calles XXXX several times in the year and told them I was waiting on announcements from the federal govt about my loan to make payments. I explained to them I am know a single father and live off of an educators income. I was told that this was fine and if I need help to contact them. No representative ever mentioned sending me to the collections agency. Can someone please help me get this removed from my credit scores. This is not right. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (LA)

I received an emailed thanking me for applying for a Sapphire Chase Credit Card. I immediately contacted chase and informed them that I did not apply for the card. They told me someone applied for this using my social security number on XX/XX/23. They dismissed the application and reported this as fraud and stated everything was reversed and would be taken care of on their end.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$81.00} XXXX XXXX FIN XXXX Balance : {$2400.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$81.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This item in my credit file are from unauthorized use of my social security number and my personal information. I am not aware and did not authorize these accounts to be taken out in my name. This account does not belong to me. I'm upset and XXXX  after dealing with my identity being stolen and need this to be corrected so I can use my own credit. 

XXXX XXXX - XXXX
Consumer complaint received 2024-03-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (GA)

Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all XXXX credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
Consumer complaint received 2022-07-18
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-13
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. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (WI)

I asked the XXXX  to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States TRANSUNION ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without XXXX, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (MN)

Hello- Attempting to repay my loans that are held with Aidvantage and continue receiving an error message that my " bank account is closed ''. Attempted paying 4 separate times, with the last one over the phone, and still rejected. Can show proof of funds in the account as well. 

Interest continues to accrue on the account as of XXXX, and I would like to retroactively reduce the accrued interest given this was an issue on Aidvantage 's part. 

Thanks, XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On August 7, 2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-06
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.