davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (GA)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. PLEASE CHECK FTC REPORT. THESE ACCOUNTS DO NOT BELONG ON MY CREDIT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

I am a Chase Bank XXXX XXXX. XXXX setup many business accounts with them. They should not be charging monthly fees due to me meeting my minimum balance. They have reversed a few payments because they know it is wrong but they dont know how to fix it in their system to stop automatically charging me fees. This has been going on over a year and they now owe me {$1600.00}. I have been it XXXX times and it is still not getting done.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (TN)

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 fil ing a legal complaint against you!
Consumer complaint received 2023-02-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

My chime bank account which included my check-in and savings accounts both were closed on XX/XX/XXXX I was not told why they were closed out I was sent a policy to read that would describe part of the reason why my account was closed out that was the only evidence and or proof that I was sent as to why my account had been closed after my account had been closed I was told that I would receive my closure check with the amount that was in my accounts at the time of the closure I had to wait 15 business days for an investigation and then 10 business days after that for the check to be sent out and received in the mail after waiting the 25 business days I never received my check in the mail I let them know via email and they gave me the runaround and continuously avoided answering any of my questions and for almost 6 months now I've been trying to request my closure check from them just now today I spoke with them because I had waited 10 days again because they had told me on XX/XX/XXXX that within 10 business days I would receive my closure check because they had to send it back out and after confirming my address they had resent the closure check I've waited over 10 business days when I contacted them after waiting the 10 business days they didn't respond 48 hours after the 10 business days they responded and told me that the check would be sent out in the mail and then they sent me an account balance of {$0.00} in both my checking and my savings account this is completely false and fraudulent I would like the amount that was in my account sent to me like they were supposed to be sent out in the mail in the first place the amount should be {$82.00} and something cents for my checking account and there was only around XXXX cents in my savings account I'm not worried about my savings account as much as I am worried about the amount of money that was in my checking account at the time of closure that has been stolen for me at this point please help me recover my funds
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt. Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA. Please note that I will not acknowledge this debt as valid until I have received the requested information. I expect a response to this letter within five ( 5 ) days of the date it is received. Thank you for your time and attention to this matter.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So its still a year and Half and Bank of America is just now telling me that my account money is in a hold harmless account. Its always something new with this bank. Now it just feels like theft by bank 100 %. They have the audacity to tell me that transfers from somebody elses account who paid me money which is a 3rd party transfer is not the same as XXXX which is also a third party transfer. And looking into the Hold Harmless agreement of Bank of America led me to the servicing agreement on their website which states that transfers between one individual in their banking system and another individual in their banking system is very possible yet in my case they keep telling me its 3rd party. The funds do not have a court ordered lien on them and they havent been called back by their institution which my friends have stated to me on many occasions that the bank and system used to send me the funds was Bank of America. The bank know this, I know this and my friends know this. I even found on their website where they state funds can be transferred from one individual to the next via transfers within the system. Bank of America yet still keeps trying to tell me that Bank of America did not initiate these transfers when in fact it was done in their system. I even found proof on their website which I will be including in this report. They keep telling me they also sent me a check in the amount of {$1100.00} which I never received and they just keep telling me a different story every time related to this check and I have to wait 4 months at a time for a response. Now I feel some sort of prejudice is being done on Bank of Americas behalf in my case. Because Im a man of XXXX they feel that I didnt earn my money the proper way and its really feeling like a XXXX discrimination situation in this case.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

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

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 2020-02-26
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: DISCOVER BANK (FL)

2017 I opened my account with Discover Card service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (NY)

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a letter to Equifax with detailed descriptions of accounts that were negatively impacting my credit. I asked for a full investigation to be done. I gave them 40 days to respond and I did not receive anything. On XX/XX/XXXX I sent another letter to Equifax along with my original letter that was dated XX/XX/XXXX. In that letter I asked them to delete the accounts since there was no response provided. I based my letter with knowledge from the FCRA and stated that I would protect my rights if I have to. It is now XX/XX/XXXX, well over 30 days later and I still have yet to receive a response from Equifax.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (CA)

I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by Transunion XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

its asll on transunion on my credit I have never had XXXX or checking just please look at it I have never that XXXX on my credit is not mine
Consumer complaint received 2018-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

It is believed that Capital one has opened an account for someone with a a similar name or possibly one without my consent. This company reported an address to my credit profile in XXXX, NY ( XXXX XXXX ) I have NEVER lived in NEW YORK! Also, I will need this company to delete any negative credit reporting information ( if any ) and delete this unknown address from my credit profile as this could be used to open credit under my name without my knowledge. I will also need capital one to furnish me with proof that it has deleted the address and any reporting information. If capital one can not comply, I will be forced to escalate this up to the full extent permitted by law.
Consumer complaint received 2017-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (NV)

Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (WA)

I took out a online loan with Uprova.com on XX/XX/XXXX due to my surmounting medical bills. They never disclosed the repayment amount to me during the time of the loan. Otherwise, I would have never agreed to pay {$4900.00} on a {$1200.00} loan which is usury even for XXXX XXXXXXXX XXXX. 
I spoke to XXXX from Uprova on XX/XX/XXXX. This is when I was made aware of how much I would owe them back. She directed me to the look at my loan agreement and that is when realized that I had been mislead into applying for a usury loan! 
Although, I can not prove it, I am adamant that I did not sign a contact stating that I agree to pay back such an absorbent amount. 
I did explain this to her to no avail. But, I am sure she was just doing her job. 
I let her know that I will be filing a complaint with the appropriate division to resolve this issue. 

Thank you so much for your time & assistance, XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I applied for XXXX to Mohela this summer. They said 90 days to process and issue my refund check. It's now XXXX and they still haven't even calculated my qualifying payments! When i call to inquire, Mohela reps are clueless and provide no information at all besides to wait. One rep told me today that my account is in good standing, employers approved, but they won't look at it for processing until XXXX 2023!! 

So, they said 90 days and now they're saying a year?! I would like Mohela to calculate my qualifying payments and issue my refund check now. Thank you. It has been more than 90 days - they need to do their job.
Consumer complaint received 2023-05-18
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. (TX)

I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Kross, Lieberman & Stone, Inc. (OH)

XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Well I was trying to get money for housing at XXXX and I was using an app called XXXX and I wasn't aware that I was receiving fake checks from a person because it was my first time doing it and I thought they were real. I thought the person worked for a legit company and didn't know the person was a fraudster. The person 's name was XXXX and it occured all the way back in XXXX. He stole up to XXXX of money that I had but I got half the money back during the situation. The actions I took were I tried telling the bank that I didn't know those were fake checks and now what I am doing is I am trying to do a police report about this person because I really do not like telling on other people but this effected me really bad and how he stole my money without having any consequences to his actions, and my bank account got closed know I have to use a different one. All I just want to do is get my money back because now since I am aware of these scams other people tried to do the same things to me but I turned it into the bank because at the time I didn't know and I was trying to get fast cash which brought me into this predicament.
Consumer complaint received 2023-02-02
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX