davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-31
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My XXXX year old father had a savings account with Chase for years that had a balance of {$41000.00} as of XX/XX/XXXX ( I was a co-applicant on the account ). In mid XX/XX/XXXX, Chase sent him a letter stating that due to a high number of ACH transactions starting XX/XX/XXXX, they had turned the account into a checking account. He asked me to look into it and I identified that ALL of the ACH transactions totaling {$8400.00} were fraud. I immediately called Chase to file the proper paperwork ( i faxed the requested supporting documentation on XX/XX/XXXX ) and the claim was denied without any explanation. I then went into a branch and they refiled the paperwork which I substantiated again on XX/XX/XXXX. To date, {$5500.00} has been paid back, but Chase refuses to pay back the remaining {$2900.00}. We made the first claim XXXX which based on their disclosure on the statement, should cover for anything noted in the XXXX and XXXX statement. They claim that we are outside of the 60 day window, but that doesn't track back to their own disclosures on the statements we have received. Additionally, they claim they can only cover for transactions they can recover for. These were fraudulent transactions that shouldn't have been allowed based on the account type. Finally, they are in violation of both Regulation E and UDAAP due to their not adhering their own statement disclosure not to mention Elder Abuse as they made changes to an elderly man 's account without any notice nor with any attempt to contact him.
Consumer complaint received 2021-09-08
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: The CMI Group, Inc. (AL)

XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC (OH)

XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' ACIMA CREDIT XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Consumer complaint received 2021-03-13
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. (CA)

After reviewing my credit reports. I found unverified accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification for the following accounts : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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. (AR)

On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/2023, BARCLAYS BANK DELAWARE ( Bank ) made an unauthorized hard inquiry on my credit. I called the bank, and the person that answered kept asking for my social security number. I refused to give out that information. I was told there would be an investigation. I have not applied for any credit. Nor do I intend to apply for any credit in the next 5 years.
Consumer complaint received 2022-10-26
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I truly am confused by your lack of compliance. I informed you there are errors & inaccuracies on my credit report & requested ALL documentation to prove the account was100 % true, accurate, correct & VERIFIABLE. In your investigation, you claimed to have to VERIFY this account? Fantastic, WHERE IS THE PROOF? I HAVEN'T SEEN ANY EVIDENCE OF VERIFIABLE PROOF. Please provide me with ALL VERIFIABLE PROOF. If you are unable to provide copies of the agreement which bear my signature then I need the account removed at once. 

Original creditor : XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance {$840.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-13
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. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.
Consumer complaint received 2021-03-13
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: FORD MOTOR CREDIT CO. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-13
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. (KS)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (OH)

1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX  ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help.

2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 
3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or XXXX XXXX ''.
Consumer complaint received 2021-03-12
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please deleted the items as soon as possible.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IN)

I purchased an item through paypal back in XX/XX/2022 and i haven't received my item and paypal says i can't get a refund can you help cause i have tried it cost me {$63.00} dollars and i could sure use that money thank you
Consumer complaint received 2022-10-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-26
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. (AZ)

A Small Business Loan for {$32000.00}, was taken out for a XXXX entity, under the Entity 's XXXX. The Lender, XXXX, told me that I would not be a co-signer as this is a small business loan, Turned out I was lied to and forced to signed the agreement under deception and duress. The company included my personal information, and residential address without my consent. I was told that my information was needed as a contact. A day after all the documents was signed and money received by the business, I found out I was fraudulently listed as a personal guarantor with out my knowledge. 

And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions. I intend to file a lawsuit regarding this matter.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (MI)

on XX/XX/XXXX Revco sent me a letter Stating I owed on 4 accounts from XXXX XXXX XXXX. XXXX for {$31.00}, XXXX for {$150.00}, XXXX for XXXX and XXXX for {$540.00}. 

I disputed this letter since I had already made payment arrangements with XXXX. 

on XX/XX/XXXX I called XXXX and they confirmed I was making all of my agreed payments on time and the accounts were being pulled from collections. 

on XX/XX/XXXX I was sent a letter from Revco stating that they had confirmed that I owe them for the accounts mentioned above. 

on XX/XX/XXXX I called XXXX billing and talked to a XXXX XXXX he told me that the accounts were being pulled from collections because I have been making my payments. He also stated that he was confused why account # XXXX was even mentioned at all because I had paid that at the time of the procedure. 

on XX/XX/XXXX I again called XXXX billing to confirm that everything was cleared up and I could continue making my payments. She told me that yes everything was pulled from collections but that now I somehow owe {$1500.00} for all accounts. 

on XX/XX/XXXX I received a response from Revco from a complaint to the XXXX  I had submitted against them. They responded that account # XXXX and XXXX were paid in full but I owe {$540.00} on account numbers XXXX and XXXX. 

I do not owe Revco any amount of money as I have been making installment payments on my amount due agreed to by XXXX XXXX.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

What happened? FRAUDULENT COLLECTION TRANSWORLD SYSTEM INC/ has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX Company : TRANSWORLD SYSTEM INC/ Address:XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/XXXX Balance : {$88.00} HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Complaint : XXXX Complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT : Debt collection ISSUE : Attempts to collect debt not owed HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Previous complaint : HI there. This account was closed in XXXX of XXXX. I have returned the apartment and move to a different city. I remember I have complained about XXXX impersonators in the past. This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. All charges related to electricity were payed off and the account closed. Please see the XXXX email regarding this account closed.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) XXXX Jpmcb Auto Cu of Texas -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.
Consumer complaint received 2023-03-27
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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
Consumer complaint received 2022-10-26
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX