davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX - my employer XXXX XXXX issued me a check for my first paycheck with an amount of {>= $1,000,000}. Check number : XXXX. The check was issued from the company 'XXXX XXXX XXXX XXXXXXXX corporate account. 
XX/XX/XXXX - upon receipt of the check, I noticed that my old bank account does not have a branch in the region I live in now, so I opened up a checking and a savings account with Chase Bank. and I brought the check to XXXX 's branch in XXXX, XXXX  to deposit the check. They took my check and said I need to wait until XX/XX/XXXX for the check to be cleared. And I then left the branch. 
XX/XX/XXXX - I got a call from XXXX saying that there's a fraud alert put on my account, and they have to limit my mobile app access. They said they need to contact the issuer of this check to verify that this check is real. But they could not verify this check with XXXX because XXXX wouldn't give my information to a third party. They furthered said that there's nothing I could do until the check is cleared. I hung up the call. 
XX/XX/XXXX - My employer said my check has been deposited. So I called XXXX again to lift the fraud alert. XXXX said they still need to verify this check with the maker of the check, which is my employer XXXX. With multiple attempts, they could not reach the number listed on the check or the number registered with them in the system. They also wouldn't contact my payroll team directly and said it wouldn't work if the payroll team tries to contact them either. I was then told by my payroll team that I should ask XXXX to contact XXXX 's number on the public record and get transferred to the payroll team. However, XXXX wouldn't do that either because the public record number is not registered with them. I was told that there's nothing I can do except for passively seeing my salary ( {$45000.00} ) to be moved to suspense, and having my account cancelled. XXXX also told me that if the amount could not be verified, after two years this amount would be forfeited by the state of Washington. The payroll team is also confused because from their end, they have already seen the check being deposited. 

This is a very desperate situation, and I can really use some help here.
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (VA)

This compliant revolves around the collection agency XXXX and XXXX, XX/XX/XXXX of last year, I settled a debt with Kabbage on a business loan, and worked with XXXX XXXX from their Lien division. She was sending emails advising, a lien was going to be placed on my assets, and I had 24 hours to respond. I was initially contacted on XX/XX/XXXX regarding XXXX ( USD ) debt with Kabbage, which I settled for XXXX with the payment clearing on XX/XX/XXXX. 

XXXX XXXX on behalf of XXXX and XXXX, sent an email on XX/XX/XXXX, attempting to collect XXXX ( which XXXX ). I signed in to their website, and also see an open balance of XXXX, with my XXXX prior payment. Essentially, XXXX and XXXX never cleared in their system, or closed out the debt, and reflected the accepted settlement offer. 

Starting on XX/XX/XXXX, I sent several emails ( one to XXXX and XXXX and XXXX support ), advising this was settled and offering to provide documentation. No one from the company has responded. On XX/XX/XXXX, I sent an email to XXXX XXXX from their XXXX division who I negotiated the settlement with XX/XX/XXXX of last year. I requested that she close this out, and stop any collection activity, since we settled this last year. I'm currently awaiting a response. 

This is the XXXX # : XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

XX/XX/year> Citibank , N.A . 
XXXX XXXX XXXX XXXX  XXXX, SD XXXX Your Reference No. : XXXX XXXX XXXX. XXXX VALIDATION REQUEST AND CEASE AND DESIST Dear Sir/Madam : You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; XXXX VERIFICATION OF THE DEBT ; AND XXXX  A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS; PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU VALIDATE. DO NOT THREATEN MY CREDIT. I DISPUTE THIS. 

Thank you for your immediate cooperation.
Consumer complaint received 2022-12-10
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. (OK)

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. 

XXXX XXXX : # XXXXXXXX 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 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 2023-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Turning Point Solutions LLC (MI)

Has not addressed their own violations. 
MICHIGAN REGULATION COLLECTION PRACTICES ACT 445.252 ( e ) + ( g ) + ( o ) FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d ( 2 ) + ( e8 ) + ( e10 )
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a XXXX XXXX XXXX  account # XXXX. I have disputed this account several times in XXXX  months. There is a XXXX  day late payment reporting on my credit report. 

The time of the delinquency in XXXX XXXX XXXX. I was facing a bad financial hardship. Honestly, I didn't have a job or financial support to meet my obligations. 

So I requested a courtesy or a Goodwill. In the removal and updated XXXX past due payment. XXXX XXXX told me to go XXXX myself. That they will Never EVER remove or update the XXXX day late payment for XXXX XXXX XXXX. 

I was later told that I had XXXX late payments. I reviewed my credit report and noticed only XXXX late payment. So I'm being told XXXX, but my credit report is reporting ONLY XXXX for XXXX XXXX XXXX. 

I have attached several versions of my credit report. While both show XXXX late payment for XX/XX/XXXX. They indicated that I had a Late payment for XXXX XXXX XXXX 

I as asking for the removal of the 30 day late for XXXX XXXX  XXXX. Along with the status remark of XXXX days late. 

My family and I can't purchase a VA home. Due to the fact that XXXX late payment from XXXX XXXX XXXX. That will not allow me to get VA approval. 

I hope to get some help with this XXXX  month ongoing battle Thank you
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Their attorney ( XXXX means XXXX and XXXX ) Their lawyer ( XXXX means XXXX ) XXXX XXXX XXXX name XXXX XXXX XXXX I wrote a letter telling Bank of America they did not give me a loan they gave me a credit swap from my XXXX XXXX XXXX ( in French means bank account. 

They gave me a fee simple title which means XXXX title where bank can steal houses back so they can sell it. 

Daly vs bank of montgomery 1969 also called the credit river decision. A jury decision showed that the bank put nothing up of equitable value for the loan ( credit swap ) .in legal language this is called consideration.The federal reserve bank and other banking institutions organized under their system never gives anything of equitable value in exchange for promissory notes for mortgage contracts they obtain. This is important when this determination is made by the jury it stands out. Daley forced the bank many to admit under examination that the money was created in a ledger book. Basic book keeping entries. Sounds like fraud to me. This was created by the bank entering numbers in a ledger and the credit is based on the borrowers own assets not the banks assets. The bank manager in the Daly case admitted under oath admitted this was the practice of the federal reserve banking system. Sounds like fraud to me. The book called money modern mechanics from federal reserve states banks cant loan money. Hummm. Banks take your signature promises to pay and exchanges them for credits. New deposits creates new revenue for the banking system. The bank is investing the money and putting nothing up of its own. XXXX XXXX stated that no law or statue gave the permission to do so. A lawful consideration must exist and tender to support the note. Everytime you borrow money from a bank car loan, morgage, credit card etc. the note is null and void because the bank put nothing up of value. The bank never had the money to begin with.

This is important because all banks are members of the federal reserve system. There is no excuse for any foreclosure that happened in America since 1968. The lenders institution operate under te federal Reserve fraudulent systems. Daly case proved we had no value given and no valid contract ever existed as a result. 

The case # XXXX all banks use te The same fraudulent system today. The Daly case proved banks can not be saved again. We just proved we never had any physical cash trade hands at all. The bank always does not represents themselves properly. The bank will file our own funds and write a check back to is ( credit swap ). This created a illusion that they gave us a loan of their own assets. Do banks pay taxes on the loan? No this proves the banks was never the owners of the properties. 

By : XXXXXXXX XXXX  : XXXX ; Beneficiary XXXX Bank of America Respond to the consumer finance company Not me I also have affadavid of all debts prepaid.
Consumer complaint received 2023-09-04
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. (CA)

Hi my name is XXXX XXXX I submitted a complaint to you to you to notify you that I have been a victim of identity theft THESE INQUIRES NEED TO BE REMOVED. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
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. (NY)

please check items on my consumer report immediately I have inaccuracies on my credit report that i did not give my written consent to have on my report please check and do a through investigation and have items that verify these negative marks on my report
Consumer complaint received 2023-07-19
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. (MN)

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. 

XXXX  : Account # XXXX, XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # XXXX & XXXX 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 2024-04-08
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)

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 : XXXX 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 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 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX 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 XXXXXXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-11-27
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2024-04-08
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)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (FL)

I had never had a clear information on the payment due date they always gave me misleading info on the due date some were saying is on first some were saying is on XXXX. 
Lately there were refusing to take my payment online and asking me to do a manual payment which was me sending a check to them, but they never disclosed any details as far as address or check style. Finally after calling them for the whole month of XXXX begging them to accommodate me with a wire transfer as I was hospitalized they gave me an address on were to mail the payment hoping I was not going to be making it as I keep repeating them Im in the hospital while XXXX of the employe told me that's good for us that way you wont go somewhere else to refinance if you get negative remarks on the credit report. 
I gathered my self up violating the doctors orders to stay in hospital and I mailed them a certified mail with a cashier check for next day delivery on the XXXX still being within the 30 days of their due date whether that was on the XXXX or on the XXXX. 
However thy decide it to Proces it late and now they put sa negative remark on my credit report. I try to get her from them several time calling writing e-mails disputing with credit bureau but I have no help I have all necessary records on this regard mail receipts and phonically records if needed Credit card companies are reducing me limits or even closing my lines of credit. My new house still under renovation can get financing just because of that, the declining letter from says that .This is affecting my health and my finances very badly.