davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: DriveTime (VA)

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file with XXXX  for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX services which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. XXXX  and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to JP Morgan Chase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD utilizing the services of JP Morgan Chase. 
Money was transferred from my account via Wire transfer and through an intermediary named " XXXX ''
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I recently settle with my lender BSI on a wrongful foreclosure, XXXX  violations and accounting issues I agrre to drop the lawsuit. after a judge Order a ENE ( early neutral evaluation ) we settle on XX/XX/2021 these where my conditions to drop the lawsuit against us BSI and XXXX XXXX XXXX XXXXt :1 : they recinded the sale and return title to me 2 : they give {$5000.00} for compensation 3 : review for a loan mod 4 : reduce my principal from {$470000.00} to $ XXXX forgive attorneys fees around $ around XXXX after all this I agree to not sued them again. 
My problem is an unjust loan mod proposal that is predatory and imposible to pay and to add to injury they not respecting the settlement agreement they keep giving me inaccurate statements and completely ignoring the court order they relying on the fact that I can not sued them againAnd they only comply with saying that they fulfill the requirement of a loan mod even if is imposible to pay so they can foreclosure on me again they do not have any intencin on help me .my goal is to keep my home and pay what I owed with a loan mod that comply with XXXX  guidelines .and that they. give me an accurate statement that reflects the settlement agreement not what ever they say I need Help I am desperate and frustrated nobody seems to be able to help please HELP. 


Home owner info : XXXX and XXXX XXXX Home Address:XXXX XXXX XXXX XXXX 
XXXX XXXX ca XXXX phone XXXX email XXXX Loan servicer BSI financial services XXXX XXXX XXXX second floor XXXX XXXX XXXX XXXX, PA XXXX customer care XXXX loan # XXXX tems attached : copy of proposed loan mod copy of settlement agreement copy of a payoff statement
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I keep applying for the card but I keep getting told that they arent al Blue to identify who I am. I have tried this on numerous occasions and have talked to representatives on numerous occasions. I am told that I do not know how to upload a copy of my ID into the system. However, this is the only credit application where I am required to do so, and I am denied as a result. No one in their right mind doesnt know how to upload a copy of their ID photo into a system in the year 2021. I have tried asking to speak to a supervisor, but no one contacts me back. My application is just denied. I believe that it's because my photo ID shows a XXXX face.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made a transfer of XXXX BTC and XXXX ETH, from the hard XXXX XXXX to Coinbase XXXX XX/XX/2021. Coinbase immediately blocked my disposal of XXXX BTC, without explanation. 
The amount is still blocked. 
I contacted their support repeatedly and received only automatically prepared answers, unrelated to my problem and after that as response to my formal complaint Coinbase state " my case is resolved and closed at XXXX XX/XX/2021. '' The amount of XXXX BTC is still blocked.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2021-11-25
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (VA)

On ( XX/XX/2006 ) I was a part of a consumer credit transaction. I do not recognize this debt. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( Communication-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has been trying to collect an ALLEDGED DEBT from me. I requested a debt validation from them. They did not provide me with any information with my signature providing that it is me. Even if this was provided to me, IM the only person who can validate and verify this debt which I DO NOT VALIDATE! Anyone can say that a consumer owes a debt but they have not proved that this debt was mine. I do not validate this debt and I have told them this is not my debt multiple times an even requested a cease and desist. They are continuing to violate multiple consumer laws such as : 15 U.S. Code 1692f.Unfair practices by trying to collect a debt that is not owed by me and by communicating through post card. Many people know the name of this collection agency so anyone who delivered the mail thinks that I am in debt which is a violation of this law and my right to privacy, 15 U.S. Code 1692g - Validation of debts, I was not given enough evidence to verify this debt yet this ALLEDGED DEBT is still being furnished on my report and is preventing me from obtaining new credit, and 15 U.S. Code 1692j - Furnishing certain deceptive forms because these are false forms being furnished on my report and it has created false belief in my consumer report. These are all violations under the FDCPA which this company needs to be held liable for.
Consumer complaint received 2019-11-10
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. (MA)

RE : Social Security Number : XXXX / Experian Report # XXXX To Whom It May Concern, In XX/XX/2018 I disputed an account report by XXXX/XXXX Account # XXXX in the file maintained by Experian under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report after I disputed it. 

Now I have discovered that the item has been reinserted on my credit report by XXXX XXXX XXXX under account # XXXX referencing XXXX XXXX. 

I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. 

This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. 
Experian deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. 
FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ).  Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. 

The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2021-11-26
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2021-05-07
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. (TX)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX  XXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX XXXXXXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-09-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 me and my son went to Bank of America to deposit two checks into my account. After depositing the checks, we went home. As the days went by, I was able to pay my bills and use the funds that were in my account. The next day, while at work, I was trying to purchase something to eat for breakfast. I noticed that my card was declined several times. I was having difficulties making any transactions, even with paying another bill. So I decided to go to Bank of America to see what was going on. 
We spoke with a representative. They said that something was wrong with the check and that they were gon na hold onto the check for further investigation. The account was then closed. They told us to call them back after 30 days for an update. I told them that I had deposited two checks ; one from XXXX XXXX from my deceased husband retirement funds and the other was from XXXX XXXX. They told me that this process would take up to 90 days and to call back after 90 days. I called back after 90 days to get a update on the situation. They told me to contact XXXX XXXX and tell them to call Bank of America to prove that the correct amount on the check. I then contacted XXXX XXXX and told them what the issue was. Then after talking to a spokesperson from XXXX, I got right back on the phone with Bank of America again to let them know that it was the correct amount on the check. Bank of America told me I had to get on the phone with XXXX XXXX and they have to get in contact with Bank of America. After proving that the amount was correct, Bank of America spokesperson told the rep at XXXX XXXX that they were going to release the funds within 7 days by mail. Its now XX/XX/2021, which makes it 7 months since they've held onto my funds and have not called or mailed anything to me concerning this issue.
Consumer complaint received 2021-09-01
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: Coastal Finance Company, Inc. (NC)

COASTAL FIN CO INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX COASTAL FIN CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with coastal. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IN)

Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I just need to temporarily un-freeze my credit report for a credit check. I can not get through to them on line or via telephone. On line refers me to the phone and the phone gets into a XXXX XXXX  that eventually stymies the caller with an obscure question that requires research. I have filed a complaint with them but they have not responded beyond giving me a complaint number. It is enormously frustrating and I don't know what to do. I have very good credit but people won't know from Equifax. 
How can it be that a private company, having been breached, then spends years penalizing the very people they screwed in the first place?
Consumer complaint received 2021-10-18
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. (MO)

My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$6400.00} XXXX XXXX XXXX BALANCED {$4700.00} XXXX XXXX BALANCED {$4900.00} XXXX XXXX XXXX BALANCED {$6800.00} XXXX XXXX BALANCED {$13000.00} XXXX XXXX XXXX BALANCED {$3200.00}
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was notified by my credit watchdog service that there are two FRAUDULENT hard credit card inquiries on my Transunion Credit Report. 
I contacted Transunion requesting information regarding the inquiries due to the fact that their website is unavailable for a week thus cant get my credit report!!! 

Their offshore customer support is pretty much useless! 
He kept referring me to the website again and again no matter how many times I repeated myself : " Your website does not work, I can't get my report!!! ''
Consumer complaint received 2019-11-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation (NV)

I financed a vehical the Gold Acceptence Corporation in XXXX. For the amount of {$5000.00} for the terms of 27 months. i made 10 payments on the vehical the balance went down to around {$3000.00} dollars. I had to voluntary returned the car due to getting laid off work .The account has been closed sice XXXX, im being charged for late fees on a closed account.The car has been resold. for an un disclosed amount and never put towards my balance. And now the outstanding is balanced $ XXXX.thats over {$4.00} dollars in late fees.. is there anything u can do to help me. This is totally unlawful and unfair to me as the consumer.