davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

This is in regards the dispute I have against both XXXX and ally bank. 
I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with. 
I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used. 
I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX account.
Consumer complaint received 2022-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (OH)

I've called they are very rude with me. I want to pay it off but I can't afford XXXX. 200 % interest. I didn't know this it was online. The document were fine print. Know one explained to about the interest rate. No one can afford that. I been paying on it around XXXX. They are crooks taking advantage of people want to repair their credit that's so wrong.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

To Whom it May Concern, I have been a customer with JPMORGAN CHASE since XX/XX/2007 and have always paid on time. As of now without any valid reason they have closed 2 of my credit card accounts which has made my credit score go down significantly. Plus the fact that I have all my cards on autopay and am a very good paying client with a yearly income of {$120000.00}. I feel that I have been treated unfairly.
Consumer complaint received 2022-01-22
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. (MI)

On XX/XX/XXXX, I sent a dispute to Experian ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Consumer complaint received 2024-03-07
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)

Im submitting a follow up complaint to you today to inform you regarding of my recent issue of victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXTRANSUNION 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AK)

On XX/XX/21 SLS reported an increase of {$12000.00} on my mortgage balance to the credit bureaus. My billing statement states my mortgage balance is XXXX and they are reporting the balance as {$130000.00} to the credit bureaus. 

This is now the fifth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. 

On XX/XX/21 I left a message on SLS ' website message board and called XXXX and left a message requesting they confirm the mortgage balance they report to the credit bureaus to avoid me having to file disputes with the credit bureaus and filing another complaint with CFPB. They apparently ignored this request. 

Everytime I file disputes and a complaint, SLS corrects the balance they are reporting to the credit bureaus back to the balance on my billing statement, then state they are providing accurate information. How is it legal for a mortgage servicer to report a different balance to the consumer than the balance they report to the credit bureaus? If the balance increase they report is legal, why do they correct the balance back to the balance reported to me on my billing statements every time I file disputes and a complaint?
Consumer complaint received 2022-01-22
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)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (PA)

Hello. On XX/XX/2022, I purchased two products from XXXX for curbside pickup. One product was picked up but the other product was out of stock so it was cancelled. The one product that was picked up was returned in store due to poor quality. My bank named Chime had charged me again for the one product that was returned and refunded and then charged me again for the product cancelled. The transactions kept going from pending to settled within a matter of seconds right before my eyes and before the Chime bankers eyes while on the phone with him. He had disabled my card without my approval shortly after. I was charged for a full amount of {$150.00} when I have no products in hand from XXXX whatsoever. Chime has literally stolen my money since my account is frozen ( without approval ) and no pending transactions can be processed now.
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2018-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NJ)

This company lie at every turn. 
I took out this loan at the beginning of XXXX. I was told it was every two weeks. On  fridays. The payments were never taken. They would tske " membership fees '' and not the loan fee which makes no sense. 
Ive called on several occasions with no solutions. I was told memeber ship fee was XXXX but they actually take XXXX. Never on time. causing my account to overdraw. I asked them to stop membership fee and just tske loan amount. It was never done, they have compromised my bank account causing it to overdraw several times. My bank is now involved to stop the ach draft. 
I want to pay loan off by mail never any response. Emailed seversl time for correct address so it csn be recieved and i can close my account. 
This company is predatory loans. The amount is like 120 % interest by claimingthese membership fees outrageous. Please investigate them not just my account but the others they have scammed
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

This company is repeatedly marking this account as collections on my credit report. 3 times already in the month of XXXX. Dates of XX/XX/22, XX/XX/22 and today XX/XX/22. Isnt this a violation of reporting actions. Id like them to stop attacking my credit.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (TX)

The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX XXXXXXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX XXXXXXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$710.00} XXXX XXXXXXXX XXXX {$140.00} XXXX  XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Consumer complaint received 2022-04-08
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. (NJ)

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 8 months, I review my updated credit report and I noticed that Experian updated my address, but they did not remove the inaccurate addresses ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so I am now, taking the extra step, because I really these addresses off of my credit report.
Consumer complaint received 2021-05-12
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. (OH)

I disputed in XXXX one account that are not mine and another that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor XXXX XXXX XXXX that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services is reporting a couple accounts on my credit that need to be removed. I have settled the account and ask that you please remove these accounts rom my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any account since you are the original furnisher. I have settled this debt with you and am no asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. If i do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce this removal, including but not limited to institution of legal proceeding against you.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, XXXX contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by LVNV Funding, LLC. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, XXXX contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by LVNV Funding, LLC. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at XXXX. 

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like XXXX to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
Consumer complaint received 2024-03-07
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. (AL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX  XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX XXXXXXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX  XXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX  XXXX Charge-off {$710.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00}
Consumer complaint received 2023-01-12
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. (CA)

I downloaded my credit report and asked transunion to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Transunion has tried use stall tactics despite my many attempts to solve this issue. 


XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all XXXX credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how transunion has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.