davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2023 I tried logging into my chase bank account, Instead I was locked out of my account due to suspicious activity. I Called the number provided and was told my account was cancelled and under investigation and that I could not withdraw my funds. I went to a branch and was told the same thing. The rep let me know that I have an available balance of XXXX and that a check would get mailed out to me that I would receive it in 20 days possibly. This will cause me to miss paying my bills and me and my family the possibility of becoming homeless if the process isnt handled before 20 days.
Consumer complaint received 2023-05-07
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. (OR)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Brightfunders, LLC (NC)

I worked with lower.com during a hardship deferment that would allow to me enter into a deferment of my payments for a period of time. during this time I signed a document that it would not affect my credit as long as I stayed in loss mitigations. I worked with a young lady named XXXX XXXX to ensure I stayed compliant during my deferment and completed a loan modification once it was over. At XXXX point during the process, I was reported late, at which point I connected with XXXX and it was corrected. It was not until after XXXX sold my loan to a new servicer that the issue showed up. I was reported late to all the credit agencies during the entire period of time I was in loss mitigation. This was never supposed to happen per the agreement that I signed with lower. I reached back out to lower and they told me it would be corrected and I needed to send a dispute to correct it.
Consumer complaint received 2023-05-07
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. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

As of XX/XX/2023 account name : WAYPOINT XXXX XXXX XXXX XXXX XXXX XXXX WAYPOINT RESOURCE GROUP Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting XXXX agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment. 

Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal. 

Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX. 

However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d. 

Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing. 

It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress. 

I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I opened an online Checking Account with Chime in XXXX, 2019 and in XXXX, 2019 I opened a XXXX XXXX Account. Every month I was missing money from my accounts. Every month I couldn't get my account balanced. In my bank online Bank XXXX, the Account Summary never was filled in completely and it never even balanced with my Account Transaction Histories. I had to use my receipts to check my Account XXXX Histories, which were correct, but the Account Summaries never were, and that's the information the computer gave as my balances in my accounts! 

Every month I reported this to Chime. 
Every month Chime 's customer service told me in emails and on the phone that they would look into it. Everytime I would followup on my complaints, I always got another person and I would have to explain all of it again, and again ... Every month I complained about that, too. Everybody was always going to " ... look into it ''. Then, after I opened my XXXX XXXX Account, I started missing money from it, too! I thought by opening that account I could just stash more of my money in that account instead of leaving it in my Checking Account, where I was missing money all the time. However, the same thing happened in my XXXX XXXX Account, too, and I was missing money and I couldn't get that account balanced either for the same reasons. Every month the problems escalated. Then, Chime locked my account and I didn't have access to my money and direct deposits were being sent back to the depositors, etc., creating even more problems for me when I had bills to pay, too. I was told my complaints were escalated and that the customer representatives escalated my complaints XXXX sent them to their XXXX XXXX in California. I never git contacted by anyone from California! I asked Chime to close my account. 

They finally did but it's been 8 months now and I still haven't been compensated for my missing money, which their employees computed to be {$12000.00} through when my account ended, nor did Chime send me my money from both of my accounts.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : -XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I am requesting Experian update your records by removing an old address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX and only reflect my current address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Current Address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. 
Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information
Consumer complaint received 2019-12-01
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. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

my credit card information was stolen on 3 consecutive cards with TD. I spoke to a representative XXXX XXXX who spoke to both XXXX and the TD fraud department as well as credit card department. I was told I had to cancel token as this was the way the fraudster was access the information. I was given three new card numbers and each time the information was charged not shortly after by fraudster. I was told by TD that there was nothing they could do and this would be my responsibility to resolve. I was forced to cancel my credit card account hurting my credit score due to TD and XXXX XXXX inability to keep my card information from being stolen weeks after receiving a new credit card number.
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.
Consumer complaint received 2019-12-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (VA)

XXXX XXXX kept poor account records, double billed for procedures, failed to submit insurance claims fully, in a timely manner, or at all, and engaged in questionable billing practices. I notified XXXX XXXX that I was moving to another state and they settled my account. A year after the move, XXXX XXXX called about a past due amount. After discussion on two separate calls, the account was again cleared as settled. After nearly a year, XXXX XXXX submitted a claim, without notice, to Capital Accounts for collections on the debt it had already stated was cleared. 

I immediately disputed the debt with Capital Accounts. Capital Accounts failed to immediately provide alleged evidence of any debt. When it finally did so, the information it provided did not clearly show an accounting of each transaction. Without critical analysis of the account statement provided by XXXX XXXX XXXX office, Capital Accounts validated the debt. However, after a critical analysis of the debt ( attached to this complaint ), the account record provided by XXXX XXXX XXXX office shows a number of accounting errors and inconsistencies, and questionable practices that refute the existence of any debt at all.
Consumer complaint received 2023-05-11
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS : XXXX Amount {$1400.00} Open XXXX XXXX XXXX XXXXXXXX Amount XXXX {$900.00} XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXX XXXX XXXX XXXX Amount {$1000.00} XXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

Dear U.S. Bank Customer Service, I am writing to bring an important issue to your immediate attention. There appears to be incorrect or incomplete information related to an authorized user, XXXX XXXX, on my credit card account the timely payments are not reporting on his credit report and need to be reported. I kindly request your immediate action to rectify this matter. 

My details for your reference : Account Holder : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX card : XXXX Authorized User details for your reference : Authorized User : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Attached to this letter, you will find all necessary documentation to verify both my and XXXX XXXX XXXX ' identities. The documents include : A copy of my government-issued identification A copy of XXXX XXXX XXXX XXXX government-issued identification Proof of address for both parties I would like to request that you update our records and correct any inaccuracies as soon as possible. Mistakes such as these can have a significant impact on our credit histories, making it essential to address them promptly. Please confirm in writing once the required corrections have been made. 

The Fair Credit Reporting Act stipulates that you have up to 30 days to investigate and rectify any inaccuracies. However, due to the sensitivity and potential impact of this issue, I request that you expedite this process. 

Thank you for your immediate attention to this matter. Should you require further information or clarification, please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX Attachments : Verification Documents