davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I have a small business, I opened a business checking account with Chase business account services on XX/XX/2021 online, a confirmation email was sent to my XXXX  ( see XXXX XXXX- congratulations we approved ... '' ). I immediately deposited several checks which were accepted as evidenced in screenshots of my messages from my online Chase portal ( see " secure messages 1-4 '' ) totaling XXXX USD. 

On XX/XX/2021 one of my clients attempted to pay me by XXXX. This payment was rejected ( see " secure message 5 '' ). When I next signed in on XX/XX/2021 there were no longer any accounts listed ( see " secure message 6 '' ). Chase made no attempt to contact me to explain what it did with my money which had been deposited ( see " secure message INBOX '' and XXXX XXXX XXXX XXXX '' for evidence that there was no communication from Chase regarding the closing of my account. ) I responded in the online portal and was a given a number but no explanation ( see " secure message 7 '' ). 

I went to the local branch where I was told that the checks were made to a trade name that I had not listed on my application and that documentation of my trade name would be necessary to release the money to me. I provided all relevant documentation and was told my money would be in the mail and that it would take 10 business days in late-XXXX. At the date of this writing the money has still not arrived and I have been to the local Chase branch ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) multiple times where I have been told verbally several different requirements. Branch workers have told me they can not provide any of these requirements in writing and so I have no documentation of anything as Chase has been unwilling to give me a written explanation of why my account was closed and my money seized and not returned or of any deficiency in my LLC documentation. 

I have called the number given to me by branch staff ( XXXX ) to ask for written documentation of any aspect of the process by which our account was closed, our LLC documentation was given, what issues there were with the said documentation, etc... I spoke to XXXX XXXX who is a Supervisor at the Chase Fraud Hotline who said he is unable to provide documentation in any written form as to any aspect of the process.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The collection account with XXXX XXXX has been on my credit report for over seven years. The collection was last reported on XX/XX/XXXX as being opened in XXXX of 2014.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

We recently experienced a vehicle break-in and important papers were stolen that may be used to compromise our identity and credit. Husband immediately took to freezing our accounts with the 3 credit reporting agencies. 2 down - 1 to go : Equifax. Husband was required to request a verification code mailed on XX/XX/2019 and soon received. Logged back on to https : //my.equifax.com/XXXX to complete the enrollment. We were locked out of completing. Called Equifax and was routed to the XXXX facility. Agent told me the ONLY way she could help is " if I faxed a copy of my original Social Security to her. '' Do not think I appear to be stupid - but apparently that is what she and her supervisor were hoping. I adamantly refused - willing only to fax with the first 5 digits blacked out. Nope! They refused. Those agents were unwilling to verify my identity any other way ie : personal questions. Called the next day, routed from the XXXX to USA and the agent completed the freeze via that conversation with info being sent. 
We frequently received SPAM calls from XXXX and this demand was outrageous. Just heard on XXXX about the break in security at Equifax which is prompting me to file this complaint. How many elderly people fall for this and really do fax their SS #? This is the PIT of Identity Theft! Within the Equifax outsourcing.
Consumer complaint received 2022-12-23
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 that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts and information which do not belong to me or were opened without my permission, please remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read and 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2021-12-23
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 XXXXXXXX.
Consumer complaint received 2019-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (PA)

I, XXXX XXXX XXXX XX/XX/XXXX, am writing a letter of complaint. I got a loan in the amount of XXXX USD in XX/XX/XXXX. I paid amount of approximately XXXX USD a month every month until XX/XX/XXXX. I reached out to creditor in the time of my financial hardship and they unwilling to work with me. They call me so much that this has caused alot of stress on me, so much that my health is declining. I shouldn't owe no more than 2,000 USD. 

The is a predatory lender & loan. I paid OVER 3 years at $ XXXX which means I paid over $ 10k   for a medical debt. I had a financial hardship due to a loss of income and additional medical issues. I reached out to the lender BEFORE the loan was late. They were unwilling to work with me. I only borrowed {$5300.00} and NOW they're reporting to the credit bureaus that I owe almost {$12000.00}. This has caused me to NOT be able to secure new housing or employment. This is unfair & inaccurate reporting. They are claiming VERY excessive fees, late charges and interest which is just untrue. Reporting a medical debt like this is both a FCRA and HIPPA violation. They call nonstop which has caused additional emotional stress which is unfair when I've already paid them well over the amount borrowed. 

I'm attaching my credit report from XXXX that shows I paid this loan ON TIME with NO late payments for YEARS and the balance owing at that time was ONLY {$5700.00} in XX/XX/XXXX with NO default. 

Here is the company info : MONTEREY FINL SVCS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX I appreciate your help. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (NC)

Equifax has repeatedly allowed incorrect information to report to my credit profile, and not allowed accounts to report to my profile. 

XXXX XXXX XXXX is an installment loan with 1 year 7 months of history paid as agreed and Equifax has reported this as a revolving account.

Two credit cards have not been allowed to report to my profile. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (NY)

The card was stolen around beginning of year 2020 and I was not aware of that the card was gone. then I came to notice that it was used by someone else without my knowledge. it happened for a quite sometime. then I came to know the situation. I closed the account immediately. Pls understand this unforeseen circumstances. Thank you.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This is a Direct Dispute for the XXXX XXXX of the information on my consumer report. On XXXX XXXXXXXX 2021 I audited my XXXX XXXX  report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the XXXX XXXX XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to XXXX XXXX  XXXX Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 

XXXX means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXXXXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2023-12-07
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. (GA)

did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (CA)

Received calls from this ARS National Services from multiple phone numbers on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). Phone numbers include XXXX and XXXX. 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for reference number. 

I have never received mail from a debt collector or any reference number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep is also on recording lying twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ). 

The calls have persisted.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX 2021, 15 days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me. 

In the company 's first response, they stated they're waiting for me to prove to them again that I am the owner of the account that my payments were coming from. Something I've already done. This should not be a requirement for them to send me back money they have that is mine.
Consumer complaint received 2023-12-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I first noticed the debt was added to my credit on XX/XX/2022. I then tried to reach out to the company but they wouldnt provide me with any information they informed me that the account was already given to a collection agency and I would have to reach out to them for any additional concerns I may have. I informed them several times that the account wasnt mine and I never occupied the unit I even requested a copy of the lease and any information they may have given them but I was again denied.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

My dad is XXXX, so I am paying the mortgage on his house. 

Every time I call Freedom Mortgage to pay, they come up with some new problem, and at this point, I'm wondering if it's intentional or if there is some type of scam happening. 

I paid the XXXX mortgage on XX/XX/XXXX and the XXXX mortgage on XX/XX/XXXX. The money was taken out of the same account both times. 

However, when I called to pay the XXXX mortgage on XX/XX/XXXX, they stated that they never received my XX/XX/XXXX payment and the Bank told them the account was closed. Which is not true, because they took the money out of the account, and they took the same amount out of the same account on XX/XX/XXXX, so they know the account isn't closed. Also, I talked to the bank and they said they never told them the account was closed and verified they sent the money ( as it shows on my XXXX statement ). So, now Freedom Mortgage has the money for the XXXX mortgage, they just won't give me credit for it and gave me a ridiculous story about why not.
Consumer complaint received 2022-12-23
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. (MA)

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 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 : XXXX 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