davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (TX)

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, XXXX, and Experian stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Consumer complaint received 2024-02-22
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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. (MO)

Wrong balance reported on my XXXX XXXX credit report I AM NOT over my limit and I would appreciate it not being reported that way. I attached the proof below. Please stop reporting my XXXX balance in error.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 went to open a savings account at Bank of America in XXXX XXXX NV with my inheritance cashier 's check from XXXX XXXX XXXX XXXX, in XXXX, IN. I already had a checking account for my payroll. I thought I was successful in opening the account and was waiting to clear the hold time. On XX/XX/2022 after work around XXXX went to make a purchase. My card was declined, and said my account was locked. It instructed me to call the XXXX number. When I called the number they said my inheritance check was counterfeit! They also locked my checking account with my payroll I had just received that Thursday! I contacted XXXX and explained to them what happened on Saturday morning of XX/XX/2022. They put a stop payment on the check.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XX/XX/XXXX, I found my consumer banking accounts with JP Morgan Chase to be restricted, preventing payment of bills, including utilities, and leaving me without money or an explanation as to the reason for the account restriction. I called and waited on the phone for about an hour and very little information was provided. I have more than $ XXXX combined in those accounts, and have not been given any certainty on when I will receive my funds. 

I went to two branches and both branch managers were not helpful ; also, a gentleman named XXXX, JP Morgan Chase branch manager in XXXX XXXX, MI ( XXXX XXXX  and XXXX XXXX ), was extremely rude, violating my privacy by approaching me in a crowded lobby to explain details of my personal matter. Other customers were able to hear and even stare at me as those person details were being uttered. Extremely unprofessional. But this is not a customer service complaint. Its a complaint about Chase stealing my money temporarily and then closing my account and saying nothing other than they have a right to do so. After > three years holding multiple accounts ; all of my work-related direct deposits have been with Chase for nearly 3 years. 

The only thing the branches could tell me is that I may need to wait as long as 10 business days to receive the check, and that it would be sent as an overnight delivery. But it could be well into XXXX before I may receive MY money. Crooks. Thieves. 

I'm not sure who or what algorithm resulted in this crime, but this should not be allowed. If you're going to freeze someone's life savings, at least provide notice. Just because you feel you have the right does not make it appropriate to leave someone without money to live on. This is a crime. A crime. A crime. 

First, I demand accountability. I'd like MY money AND an apology. Regardless of their reasoning for not wanting to maintain a banking relationship with me, HOW they end banking relationships is was wrong. 

I earn money from the same employer for two consecutive years, and they've frozen the money of a person working for a living, trying to get by, and preparing to XXXX XXXX XXXX XXXX  in the Spring of XXXX, who was trying to building up savings.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2021 I reported XXXX XXXX XXXX for adding extra fees to my mortgage for the last few years, and they refused to send me a retro payment of extra fees that shouldn't be on my account. I have an escrow of {$1900.00}, that should be sent to me as an overage for this year. All of my taxes for the year are paid, and there should be a refund sent. XXXX XXXX has refused to change my account as open on my credit report, and refuses to report my on-time payments to the Credit Bureau XXXX Here is my last receipt of reporting them online : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov Phone : XXXX  XXXX XXXX  XXXX TTY : XXXX  We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center Please do not respond to this message. If you need to contact us, please use the information listed below.

Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.FederalReserveConsumerHelp.gov | Federal Reserve System
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My life has been affected by the pandemic. I enrolled in hardship programs with the company that weren't explained well and the letter they sent out was misleading. I was given the wrong amounts for minimum payments which caused further confusion. I was also told once my account was paid they would file a credit correction but that never happened. If this is not resolved I will have to take legal action against the company because what they're doing is unfair to consumers who already suffered immensely during the pandemic. They reported my account 30 days late three times in a row which was not correct and also the program stated that you would not fall further behind. I was not 30 days late when I enrolled in the program. Please fix my credit report immediately.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX  counted in account went in to talk to someone n manager decided no one needed to explain XXXX threatened to call cops on us.Really bad experience, Atty wanted to take up case because They are known for calling cops on comsumers : I have been contacted for over 7 years over 5 times to settle this claim but always told someone will get back with me soon.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

Fraud charges appeared on XX/XX/27 statement - reported - paid legit charges every month Stmt XX/XX/27 - Stmt Balance XXXX Fraud - XXXX Paid XXXX legit charges XX/XX/27 - Legit charges XXXX original fraud XXXX Fraud removed - XXXX Interest Charged XXXX Stmt Balance XXXX paid legit XXXX XX/XX/27 - Legit charges XXXX Fraud balance XXXX Prev Interest XXXX New Interest XXXX Stmt Balance XXXX Paid legit XXXX XX/XX/27 Legit charges XXXX Prev Interest XXXX Prev interest XXXX New Interest XXXX Stmt Balance XXXX Paid FULL Bal XXXX - to stop the illegal interest charges
Consumer complaint received 2023-01-15
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I did not authorize chex systems to distribute my data to anyone. I have not given chex systems authorization to store my data or manage my data. 

I am disputing XXXX entries on my Chex systems report. 

I want to be provided every document that will support each entry and and complete itemization of every dolar you allege I owe and anyone that furnishes data to you I want a complete statement of every transaction to show what you are Reporting or we are going to federal court. 

You see on notice.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MD)

Emails sent XX/XX/XXXX from me and XX/XX/XXXX from XXXX XXXX ( see below ) to Lexus Nexus, as well as attempting to submit dispute via Lexus Nexus ' website to no avail. XX/XX/XXXX received letter from Lexus Nexus, case # XXXX, stating " no disputes found ''. Email sent from XXXX  : ( Loss dispute request Inbox XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX, me Dear LexisNexis Consumer Center : We would like to dispute information on the XXXX XXXX ( Auto or Personal Property ) Report. 

Here is the claim number and insurance company associated with the loss I wish to dispute ( or explain ) : Claim # XXXX XXXX XXXX XXXX This accident dated XX/XX/XXXX should be listed as an at fault loss, but XXXX XXXX was not the driver. XXXX XXXX is the vehicle owner/policyholder. XXXX XXXX was the at fault driver. )
Consumer complaint received 2023-01-21
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. (NY)

This complaint is about Experian credit bureau. 

complaint # 1 Experian are reporting several different address and employers on my credit report. I wrote them many times over several weeks, with a copy of my current licenses, social security card and information with my current employer. Their responded by saying that they verified the address and employment with the furnisher. According to the FCRA they are required to let me know who the furnisher of the information is. They refused to give me that information. I only have one address and one employer. 

Complaint # 2 In my account summary, Experian are reporting an incorrect real estate balance and an incorrect revolving credit. 
Again, I wrote to them many times over several weeks and nothing has been done. What they are reporting is not my current real estate balance and current revolving credit balance.
Consumer complaint received 2023-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-15
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)

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to TransUnion XXXX XXXX XXXXXXXX XXXX PA XXXX the 1st letter sent on XX/XX/XXXX certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/XXXX certified tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NY)

Saw this online and thought would apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at the time the loan was taken out my address was XXXX XXXX XXXX XXXX XXXX XXXX My address now is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mY phone number now is XXXX XXXX XXXXXXXX it has been years so I don't have any other information against Wells Fargo. Who I am applying for. We also had a mortgage with them i THINK. It just has been so long, I don't remember all of the details. I hope you can help me with this. thank you.
Consumer complaint received 2023-06-10
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; CXXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX  XXXX Balance Owed {$690.00}.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I disputed this fraudulent accounts multiple times with Experian and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed a unauthorized account. Please remove this immediately as it does not belong on my report, and it is affecting my quality of life. I am being denied because of this inaccurate UNAUTHORIZED account and this need to be removed immediately.
Consumer complaint received 2023-02-13
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. (NV)

XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Myself and my husband had our hardship resolved and was able to remain in our home after we were swindled by two real estate agents, long story short we applied for a loan modification which was approved this XXXX 2016 after paying the trial period amount of {$2200.00} for three month i called in to pay XXXX on the XXXX and was told the loan was now XXXX via the automative service, i immediately hung up and called back so i can speak to a live person who also assured me that this was my new amount and i will get adjusted information in the mail. 
On the XXXX i received a call stating i still owe XXXX i was just as confused as the person on the other end who took over an hour to pretty much tell me it was an error and i have to pay late fee and they cant help me resolve this issue.I called and spoke to over XXXX people and no one could give me a straight answer not to mention my XXXX statement came with the lower amount on it as well. 
Still confused and overwhelmed
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX