davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I had a meeting with Chase Bank at XXXX. After completing a check deposit transaction at XXXX at the XXXX XXXX CA Chase ATM XXXX a man approached me, claiming that I lost a {$20.00} bill and forced it into my hand. He managed to take my debit card, without me noticing. I went into the meeting. Shortly thereafter the following unauthorized transactions occurred : XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM EWithdrawal {$3000.00}. XXXX XXXX XXXX ATM Withdrawal {$200.00} ; XXXX ATM Withdrawal {$200.00} Total amount of unauthorized withdrawal {$7400.00}. 
XXXX XXXX XXXX Chase Bank cancelled debit card and claims were filed. Police reports were filed XXXX XXXX with XXXX, CA police and XX/XX/2023 with XXXX XXXX police. 
Chase Bank since has denied the claims.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2100.00},
Consumer complaint received 2022-05-24
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. (GA)

XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KY)

Check number XXXX posted on XX/XX/XXXX from XXXX for XXXX. This check was written for XXXX. I called to request an item adjustment on XX/XX/XXXX which was not submitted correctly. On XX/XX/XXXX they resubmit and assured me my account would be credited! It has not! I have made multiple attempts to contact a manager, no one has called me back, everyone acts like they dont know what Im talking about when I call. I would like my XXXX back. Its been ample amount of time for this to be credited!
Consumer complaint received 2019-11-23
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. (FL)

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX  report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With Experian I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 2018
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (NE)

My landlord, before she got fired stole my money order for my rent and went and cashed it herself and kept it. I have been with bank of the west for 5 years they have seen me there once or twice a mo th for five years but let an unauthorized transaction take place when my name was on the check they did not call me or anything. I have an ongoing police investigation and a detective looking into everything. I have tons of proof this is complete fraud and bank of the west refuses to reimburse my money which was XXXX dollars. XXXX the main XXXX  XXXX refused to give me any paperwork or her supervisors number. She refuses to give me my money back even with all the proof of fraud. I am very concerned people who work at this branch are committing acts of fraud. Why would they allow such a transaction to take place and then not even reimburse it? I do not know which way to go but the people who work there and my landlord need to be held accountable for there actions. Please someone call me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ETHOS LENDING LLC (CA)

The lender Ethos Lending charged lock extension fee unnecessarily when they had required conditions in house for 10 days or more. Lender kept insisting on stamped received tax return when the return was already e-filed by tax preparer. We explained many times to the underwriter that the IRS will not re-stamp a e-filed tax return because it would require a new confirmation number and that it would confuse the IRS system. The Underwriter did not believe us until they charged us the {$650.00} lock extension. Then all of a sudden it was a non issue. The borrower was a XXXX and I had promised him a no fee loan. I as the broker had to reimburse him for the {$650.00} after the loan closed or he would have cancelled the loan. I repeatedly had asked XXXX XXXX the Sales Manager to refund me on this matter, however most of the time he did not return my phone calls or e-mails only to say that he would look into the matter. 
I think this is a way for them to make more money on their loans by having the lock period expire and then charging the broker for a lock extension. Their administrative side is also lacking because you could not talk to a underwriter directly. Only by email and most of the time you did not get a reply. Their former XXXX XXXX XXXX will testify that this is the truth as he agreed with me that it was the lenders fault for letting the lock period expire unnecessarily. I have enclosed a letter from the sales manager stating that he totally agrees with my argument and will go higher up for a solution, however nothing has been done to this date
Consumer complaint received 2022-05-24
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. (MD)

I sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!
Consumer complaint received 2022-05-24
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. (PA)

This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9300.00}.
Consumer complaint received 2022-05-24
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. (PA)

This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2019-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my TransUnion report I have a XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (MS)

According to my XXXX XXXX XXXX I owe the following : All from XXXX Account XXXX billed for {$960.00} and I owe {$730.00} Account XXXX billed for {$2200.00} and I owe {$730.00} Account XXXX billed for {$2700.00} and I owe {$810.00} Account XXXX billed for XXXX total amount owed. 

I'd like to pay the {$2700.00} by credit card today. Other charges received XXXX XXXX is still waiting on information to process. 

Thank you
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (UT)

Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (CA)

In XXXX, I submitted an Annual Credit Report Request Form to Equifax and XXXX to get a free copy of my credit file. It says I should receive a response within 15 days. I received my copy from XXXX, but have heard nothing from Equifax. It has been at least 40 days. Can I please get my free copy?
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

When I obtained my card with secured XXXX XXXX with CAPITAL ONE ending in XXXX, I was informed that my account would be reviewed to become unsecured periodically. My credit score has increased to around XXXX currently. This would be a score that most normally would qualify one for an unsecured card. I make multiple payments per a month and the account is paid to {$0.00}. Customer service agents now report that the card will never transition to unsecured. How can that be so? Does CAPITAL ONE regularly change what they tell customers? The company is holding my security deposit. I do not wish to apply for a different card or start a new account. Capital One should review my payment history on this card and also my auto loan and consider following through with unsecuring my card as promised before I close both accounts and move my business elsewhere.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Modern Adjustment Bureau (CA)

No mail has been received, however multiple phone calls have been received by modern adjustment Bureau after I revoked my consent to be contacted, which under the fair debt collection practices act is a violation and can come with up to a {$1000.00} statutory damages award. If need be I will provide call recordings and transcripts. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2022-05-24
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: Prosper Marketplace, Inc. (MI)

The account was reported past due in XX/XX/XXXX and it was reported to the credit bureaus that I have a missed payment. I spoke to their customer service dept as this was an autopay set to pay minimum each month. It was determined after to speaking to their support that the program they use to link bank accounts migrated incorrect information into their app resulting in several declined payments that I was not aware of. Once the issue was fixed the balance was paid in full. I asked support to note the account to remove missed payment as this was not my fault. I submitted disputes through XXXX and XXXX with no resolution. I filed a complaint directly to creditor and have not received any updates. The missed payment remains and I dont feel I should be penalized for this.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX automated XXXX XXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-05-24
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: AR Resources, Inc. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-05-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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