davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I monitored my account on the Bank of America mobile app and set up 3 electronic withdrawals. I waited till the withdrawals came out of my account and saw that I had a remaining balance of {$1.00}. The bank is telling me that the amount on the app is not accurate that my balance was lower and so I was charged a return fee twice for a {$100.00} payment. They told me after serval time asking if the mobile app is just flat out wrong that in order to see an accurate balance of my account I would have to log in on a laptop or desktop computer then click on a special screen that will show me an accurate balance. I asked if I could be refunded because the error was not on me and that I was misinformed by their app which is still showing the same transactions and balance that I had the day this all happened and they refused.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied for a refinance of my coop mortgage with Chase Bank ( my current mortgage holder ) on XX/XX/2021. I have submitted everything they have requested, multiple times. My account specialist has changed four times since this process had begun. I have called and emailed each of them and got no response, until I call/email their supervisor, however the supervisor has changed again. I am routinely told various excuses from " there was a misspelling, wrong account number entered, waiting for my coop insurer XXXX XXXX to submit paperwork ( done several times over ), the Insurance underwriters are still reviewing, etc. I am always assured that the closing will occur very shortly. Now, it is XXXX XXXX 7 MONTHS later and I still am nowhere with this refinance.
Consumer complaint received 2020-06-13
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. (NC)

My balance on loan is not being reported accurately as well being reported on time. Balance credit report shows is from XX/XX/2020. It is now XXXX and XXXX 's payment will be due soon. If I was missing my payments there seems to be no issue with the negative information being reported on time. So what is the issue with reporting all information accurately and on time weather negative or positive. I as a consumer have rights.
Consumer complaint received 2021-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have previous reached out to credit act about misleading information on account showing them that this account is reporting incorrect and has a major impact on my credit score. Upon several disputes this account keep coming back as verified which is not. 

This account is reporting 120 days late and 180 days this account also states date of late payment is XX/XX/2019 and also XX/XX/2019 how is this possible? 

PLEASE REMOVE THIS INACCURATE ACCOUNT IMMEDIATELY
Consumer complaint received 2024-03-25
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. (IA)

On XX/XX/2024, XXXX XXXX alerted me that there was a hard inquiry on my credit from XXXX XXXX XXXX for Home/Office Furnishings . I did not recognize this hard inquiry, as I have never needed a hard pull on my credit before and am not planning on it anytime soon. I called XXXX XXXX today ( XX/XX/2024 ) and they confirmed that somebody did use all of my personal information to apply for a loan online for XXXX XXXX XXXX on XX/XX/2024 through XXXX XXXX. XXXX XXXX marked the request as fraud, but the hard inquiry is still showing on my credit report. XXXX XXXX also emailed me a Case Completion Letter for the investigation they opened.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I called a few times to American Express I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to American Express I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

HI CREDIT COLLECTION SERVICES XXXX XXXX Collection {$760.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-02-05
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: STERLING JEWELERS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-03
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. (IL)

The problem is I reported inaccurate inquiries to TransUnion and instead of them investigating and removing the false & unauthorized inquiries they just mailed me a general letter about inquiries. I found that disrespectful to say the least. My personal information was used against my consent and for TransUnion to not even properly investigate the matter is totally unacceptable. I have attached all letters and documents I sent to TransUnion. Thank You XXXX bless
Consumer complaint received 2021-08-03
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. (TX)

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-27
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. (UT)

I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.
Consumer complaint received 2021-02-05
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. (CA)

In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

As a result of Capital One buying and selling a debt I created through credit sales unbeknownst to me I have been violated. I am an affected consumer and natural person. Debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by your company for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. Both Capital one and the debt collectors identifying as attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). Capital One furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give Capital One my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including XXXX XXXX who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. Capital One and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. I am including in relation to the debt a Debt Validation Letter, Cease and Desist Letter, Rescission Letter, Unearned Interest Letter, and Credit Billing Letter. I referenced the Capital One account number and included the documents in the attachments labeled Enclosures, It has been received by the law firm who employs debt collectors XXXX and XXXX. I will include a copy of the USPS electronic receipt that reflects the documents were received XX/XX/2021 at XXXX XXXX.
Consumer complaint received 2021-08-03
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)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

This company continues to harass me for a debt that i don't owe or no nothing about.they refuse to tell me what the debt that i owe FOR. Mrs acct # XXXX XXXX. Original account # XXXX. Current account # XXXX. Debt amount {$1600.00} charge date XX/XX/2018. Thank u XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2021-08-03
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-06-13
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. (FL)

On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX of XXXX, five XXXX transactions occurred in my checking account. Three of the transactions were for XXXX dollars, one for XXXX dollars, and one for XXXX dollars ; a total of XXXX dollars. The withdrawals caused my TD checking account to lock due to suspected fraud. TD sent me a message to my phone which alerted me to the transactions. I called TD Bank immediately to address the issue and they suggested creating a claim. I was told I have to wait 10 business days to get a decision. 10 business days later, TD Bank denied my claim stating that they sent text messages to my phone confirming the transactions and that I replied to them confirming it. I informed them that I had not received or responded to any text messages from TD. TD advised me to make a police report and take it to a TD branch. I filed a police report and filed the claim with TD Bank. After another 10 business days, the claim was denied again. I immediately removed my funds from TD Bank due to this security breach. I have not had any issues of this sort previously.
Consumer complaint received 2021-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I have called Equifax multiple times about Fraudulent Hard Inquiries. I've communicated with the companies in question ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and they have no record of me applying for credit. The certified mail I sent was either returned or wasn't able to be sent because the company did not exist at said address/location published on my Equifax Consumer Report. Equifax refuses to remove information even though I've provided them with the necessary documentation they've asked for.