davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with Equifax on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. Equifax, XXXX, and XXXX have received disputes from me regarding the matter. XXXX  and XXXX seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and Equifax has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about Equifax 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.
Consumer complaint received 2020-05-25
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: Professional Credit Management, Inc (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Professional Credit XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX XXXX XXXX  and but yet are appearing on my report to this day. In addition XXXX XXXX XXXX XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2022-06-13
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: Rocket Mortgage, LLC (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a personal check from my father into checking account with Chase Bank through an ATM on XX/XX/2020. The check was for {$800.00}, and I completely expected a hold to be placed on the check for a few business days except for the first {$200.00} which should have been made available to me the next business day. At the time I deposited the {$800.00} check, I had XXXX already in my Chase account from my paycheck. Chase put a restriction on the {$170.00} and on my debit card. When I called Chase about my debit card being restricted, they transferred me to their loss prevention department. Loss Prevention first stated that they needed to speak with my father about the check, then later in the day Chase loss prevention stated they needed to speak to my nephew who is the other person on the account with my Dad. My Dad banks with XXXX, and XXXX confirmed that the check was good and it was paid. I communicated this information to Chase, and Chase had told me that they will not release any of my money until my nephew calls them. My nephew does not bank with Chase, and my family is concerned as to how Chase got my nephew 's phone number. I have missed work, I do not have gas money to get to work because Chase won't give let me have access to the funds already in my account prior to the {$800.00} hold. There are no other individuals that work for my Dad that have to have my nephew call their bank when they deposit check 's from my Dad. My father has given me money from his account for over 40 years, and no other bank that I have used in the past to deposit checks from my Dad has ever had to receive a phone call from my nephew. My original deposit slip stated that their will be a hold on the {$800.00} until XX/XX/20. The deposit slip did not state that Chase was going to restrict my debit card or my existing funds from my paycheck. Chase has told me that the only way they will release the hold on my account is for my nephew to call them. Chase will not tell me what they have done with the {$800.00} that XXXX has paid to them for the check.
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

If i could figure out who the company is I would be happy to let every one know equifax let them report XXXX unknown name the address goes to an attorney 's office and they have never heard of me and the number listed goes to a prepaid cell number see attachments after doping dome research I came up with this company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX see attachment however when you look up the company you come up with this contact info XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX by the way the address they have list belongs to XXXX - California, XXXX - XXXX XXXX see the screen shot these are temporary offices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after dooing a little more research i looked into who was able to be a data furnisher and it sure is not a company working out of a temp office with a perpaid cell phone How could Equifax allow this to happen how can they allow a company like this report on my credit or anyone for that matter
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Two prior complaints remain unaddressed causing financial impact. You can not reach them through any medium and when you try to repsone to their so called reach out emIL IT FAILS! 
Failure Notice XX/XX/XXXX at XXXX XXXX  PrintRaw message XXXX XXXX To : XXXX Sorry, we were unable to deliver your message to the following address. 

XXXX : XXXX : XXXX relaying denied -- - Below this line is a copy of the message. 

XXXX-Signature : v=1 ; a=XXXX ; c=relaxed/relaxed ; d=XXXX ; XXXXXXXX ; XXXX ; XXXX ; h=Date : From : To : In-Reply-To : References : Subject : From : Subject ; XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received : from XXXX by XXXX with HTTP ; Wed, XXXX XX/XX/2020 XXXX XXXX Date : Wed, XXXX XX/XX/2020 XXXX XXXX ( UTC ) From : XXXX XXXX XXXX To : Capital One XXXX XXXX : XXXX XXXX : XXXX References : XXXX Subject : =? XXXX? XXXX? XXXX : XXXX? = MIME-Version : XXXX Content-Type : multipart/alternative ; boundary= '' -- -- XXXX '' X-Mailer : XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ) XXXX XXXX Content-Length : XXXX -- -- -- XXXX Content-Type : text/plain ; XXXX Content-Transfer-Encoding : quoted-printable I had asked last month for a skip payment you did not respond. My account questions have not been answered and you still have not reached out to apply the skipXXXX On Thursday, XX/XX/2020, XXXX XXXX XXXX, Capital One <XXXX @ XXXX XXXX wrote : XXXX XXXX XXXX we are here to help Not so!
Consumer complaint received 2022-06-22
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. (IL)

In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have right to Privacy 15.U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Ive been trying to pay my mortgage, but the bank will not accept payment First of all, Shellpoint is the 3rd bank working with my mortgage. 

Second and most important thing : We were notified from XXXX XXXX about the transfer to SHELLPOINT on XX/XX/XXXX. 

How could I send my payments to SHELLPOINT if I was not aware about the change before XX/XX/XXXX? 

See the timeline for my payments below : XX/XX/XXXX : Check was sent to XXXX XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX  ( lost in the mail ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( RETURNED and I have the receipt with letter stating that account number can not be found ) XX/XX/XXXX : Before sending another check to XXXX XXXX, I sent them an e-mail, asking about the reason for the returned check XX/XX/XXXX : First time that I heard about the transfer from XXXX XXXX to SHELLPOINT STILL ON XX/XX/XXXX : I got the access to my online account with SHELLPOINT for the first time and tried to make an online payment, but unsuccessfully. 

STILL ON XXXX : I sent 3 months payments ( 3 different checks ) to SHELLPOINT MORTGAGE, they have received it but the checks were not deposited.. 

XX/XX/XXXX : Somebody locked the doors in my house and I couldnt get in. 

XX/XX/XXXX : I called Shellpoint telling them the whole situation and they are not letting me to make a payment. 

XX/XX/XXXX : I called Shellpoint to try and get a resolution and they confirmed that my house is going to forclosure and I will be liable for all the attorney fees. At this point they WILL NOT accept my payments and they have not cashed the checks I sent in XXXX to bring the account current. 

The property related to this mortgage ( XXXXXXXX XXXX XXXX XXXX  ) is in a Vacation Community and there is NO MAIL BOX services.
Consumer complaint received 2020-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Another business purchased merchandise from XXXX XXXX XXXX  and we were charged for it. We received a copy of the email confirmation from the other business stating that it was delivered to their business at their address. We have mailed documentation to Capital One multiple times. They have been irresponsive to phone call and social media requests. They have ignored every time. We need refund and {$5000.00} inconvenient fraud fee. My wife has invested countless hours trying to resolve a very simple situation. 

https :  XXXXXXXX   XXXX We are not XXXX XXXX XXXX XXXX! 

Thank you for your order! 
Hi XXXX XXXX | XXXX XXXX, this is a note to let you know that we received your order. Your order was placed with one of our sales representatives or on our wholesale website. If you put a future ship date on you order, don't fret! We will not ship or charge for your order until the requested ship date. Are you a new account who wrote at a trade show? We encourage you to work with your local rep for future reorders. Your sales rep will be in touch or you are always welcome to call us at XXXX and we can connect you.
Consumer complaint received 2022-06-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX, I XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX ( XXXXXXXX XXXX ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated XXXX party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated XXXX party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information. 
Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information. 

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than XXXX  years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.
Consumer complaint received 2020-05-25
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: CAINE & WEINER COMPANY, INC. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2020-05-26
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: Block, Inc. (MI)

The company name as cash app I've been using them for a little while now and never had a problem until all of a sudden something happen with their system which made it seem like there is unusual activity on my card when I tried to resolve the issue by sending them everything that I needed that they needed they still have not responded if going on almost a week and a 1/2 and they have my money that was issued by unemployment for my bills and I can even use it and they're not trying at all the time to resolve anything
Consumer complaint received 2020-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX has updated the credit information.
Consumer complaint received 2022-06-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My score was dropped 99 points after a balance decreased and notes were removed from my student loan account. When I called transunion to ask why they couldn't give me an answer. Transunion wanted me to buy their products to explain why my score dropped just kept reading from their sales pitch and refused to answer any questions.