davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2021 there were three fraudulent transactions made to my bank account which resulted in a total of almost XXXX dollars which I had not authorized. The same day the fraud was commited, not even 20 minutes after I arrived at a Chase bank and made them aware of the situation. One of the representatives there cancled my account on which the fraud had occured on and made me a new account. Which the next day appeared to had transferred over the fraud into my new account. When I tried again reaching out to chase no help was provided. So when I went to the police department to make a report they asked that I bring in a dispute form which Chase refuse to give me multiple times and till this day I have not recieved that form. Which did not permit me to move forward with the investigation.Also when I called Chase and their team including their executive office I was told many times that there was nothing they could do for me and refused to give me any information that could help me. The only information I was given was by Chase was that the transactions were made to a XXXX XXXX account. Which I reached out to XXXX XXXX and they told me that the information of the account could only be given to the police and inorder for me to allow the police to work on my case they needed the dispute form for the fradulent transctions. That like I mentioned before I was denied. They also just keep saying that there is no way that they can prove that it was a fraud when it clearly was and also refuse to give me a dispute form for those transactions so I can bring to the police inorder to prove its a fraud and I can sign under a judge that I have nothing to do with the fraudulent transactions nor do the two other individuals on my account.
Consumer complaint received 2023-02-24
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. (KY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I recieved a loan for a XXXX XXXX  from Toyota finance services in XX/XX/2020. I paid off the loan early using their web feature to calculate the remaining balance in XX/XX/2020. The remaining remaining for the load was {$0.00} as was reflected on the XXXX and XXXX billing statements. Toyota incorrectly reported my loan as 60 days delinquent to the credit reporting agencies. Toyota has refused to correct this error. Please help.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (NE)

My wife and I finalized our cash out refinance of our home on XX/XX/2022. We had done much work on our house and were able to refinance at a much lower interest rate and were also able to get a 15 year mortgage rather than the 30 year that we had previously. Both the original mortgage and the refi were through Alliant Credit Union. We, up until now, had been extremely satisfied with them as a loan servicer. We were able to stop renting and also bought a new car through them. 

Our new mortgage amount was supposed to be automatically deducted from our checking account as of XX/XX/XXXX, and every future payment would be on the XXXX of each month. The XX/XX/XXXX payment still has not been deducted. When I log into their mortgage payment website, the information that is displayed is our old mortgage information. We can not pay our new mortgage amount. 

On XX/XX/XXXX I contacted the person who I dealt with at Alliant for the refinance and she said she would communicate with the relevant dept. A week later I had still heard nothing so I contacted another loan officer who we had worked with in the past. He too said that he would contact the relevant dept and copied my on the email chain. As of today we have still heard nothing from Alliant.

Prior to sending this complain I emailed and text them again to see if I could get an update. One replied that the loan was being handled by a 'sub-servicer ' and that I would need to contact them. So, before I contact them, I want to open a file as this can not be an acceptable way to handle a mortgage. If we hadn't paid our first payment, then they would surely report us to the credit bureaus ... but if they do not properly handle our payments there must be some penalty for them.
Consumer complaint received 2021-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (MO)

I had to get financing for my brother 's car to get the brakes fixed. Well two weeks later the brakes went out again. I took the car to a different auto shop and got them fixed for {$400.00} instead of the amount of the loan which was way more. A year later the car was stolen and was found burnt. I refuse to pay for a car that was stolen and the repair work that was faulty. I feel that I was over charged by the original repair shop.
Consumer complaint received 2022-04-28
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. (TX)

The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated 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 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-05-03
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC (FL)

a judgment was filed for an expired debt by calvary collection agency for a debt of {$1700.00} with XXXX XXXX. they have contacted my employer to collect my bank information and garnish my wages. I have sent out letters to the original agency who had my debt which was XXXX XXXX and recieved no response from them. these letter span an avergage of 2 years. i have never recieved written documentation regaurding XXXX XXXX and that my debt was sold to a different agency
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (WI)

On XX/XX/2021, I got an email from PayPal stating I needed to provide more information to them for my paypal account which was hacked months previous after I was locked out and couldn't get in. my paypal was hacked. 
Paypal is harassing me and claiming i haven't responded to them. 
well i haven't gotten any notice from them for one all my numbers changed. i moved from XXXX XXXX to XXXX XXXX for XXXX  reasons and my address is now confidential they only have a right to my mailing address by state law. also also i am not a XXXX  a XXXX  so they can stop on behalf of XXXX  sending emails to XXXX ok. my alternative email is XXXX and my main email is XXXX is my current phone number is further is the complaint that should be linked to my paypal so i can reset my password and get into the account should be remove all other number there are not mine or are old numbers. ive already summited my identification but will do it again if i have to. on the next page.
Consumer complaint received 2021-09-17
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. (VA)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

My account was blocked twice after depositing due to verifying my transactions. After Ive verified I was told I would have to wait 10 business days for my account to be unblocked. Again soon as I did deposit a few weeks after my account was blocked I didnt get any reason of why it was, I was told we have no information or nothing on why its blocked you just have to wait. Everytime I do a deposit wether its a check cash, Mobile banking I get blocked for 10 business day which is not right. I requested to close my account and I was told they cant close my account
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

When I attempted to unfreeze my account at Equifax, I got a message that I had to call them. When I called them on XX/XX/2022 at XXXX I was asked identity questions which I answered to the best of my memory. This information was not good enough where by the person at Equifax sent me a text message to obtain my drivers license and my picture. The text was not working whereby he sent the text to me again. Again it failed to work and then I was informed that, I order to get my credit unfrozen, I needed to send them a letter stating what I needed along with a picture and a copy of my social security card. I asked to speak to a supervisor who actually sounded just like the person who was attempting to help me. 

While I appreciate the company safe guarding my information, I have had no problem with XXXX or XXXX unfreezing my account on XX/XX/2022. I have and continue to have difficulties with this company Equifax.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

The following items mentioned below were totally incorrect or has inaccurate information being stated. 

XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit report.
Consumer complaint received 2022-07-20
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. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows. 

Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt. 

Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland. 

Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX  XXXX called about an XXXX CC account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Consumer complaint received 2021-09-17
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. (VA)

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I am planning to apply for a loan so please don't make things hard for me.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (NY)

In error I selected a gift card credit card issues by Chase on my XXXX order page. I want all purchases charged to my personal debit card from my bank. I have made this request several times by telephone, however this company continues to charge purchases to their card and send me invoices. There were two charges on XX/XX/XXXX in the amount of XXXX which I paid by check. Just recently I received another invoice for {$40.00} due on XX/XX/XXXX. These purchases were supposedly made on XX/XX/XXXX in the amount of XXXX. Nothing makes sense with this credit card company. 
Again I have asked several times to have this account closed and the card cancelled.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( XXXX ), I disputed the inaccurate info with XXXX  and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XX/XX/XXXX, XXXX stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XX/XX/XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as XXXX  has claimed. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with XXXX every month for the past 3-4 months with no response from the company or XXXX/Transunion  to get this inaccurate info removed off my file. No validation of this debt at all as XXXX has claimed. Transunion never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my XXXX and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and XXXX with no response or validation of this debt as XXXX claimed. Please remove this fraudulent account off my credit file. 

XX/XX/XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with XXXX  with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XX/XX/XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my XXXX   credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from XXXX  in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XX/XX/XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my XXXX credit file that is fraudulent and inaccurate. I have disputed multiple times with XXXX  with no response. Please remove this fraudulent account off my file thank you.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (NM)

I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.