davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (CA)

Victoria secret {$1000.00} we havent not used this card since XXXX as it got lost with everything in my wallet and due to personal problems and spouse XXXX  XXXX XXXX  in his XXXX had to stop working is currently dealing with a lawsuit as they dont want to give him his XXXX XXXX so at the moment we have no steady income. We are very worried about this amount increasing and hoping you can help in any way possible.
Consumer complaint received 2019-09-13
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: JPMORGAN CHASE & CO. (MA)

I am requsting copies of all documentation used to make decision, I provided a copy of my passport that did show I was not present when the charges occurred. I never said I was too old to travel and the evidence that Chase used to claim I traveled shows that I had not left the country ( copy of my passport ) and that I was in XXXX in XXXX and not XXXX Chase violated both Regulation Z and TILA by not providing documentation requested in mine of XXXX XXXX, 2019, specifically providing documentation that shows I was in XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

On XX/XX/XXXX I received my son 's XXXX deposit into my Chime account his deposits has been going to this account for over a year, on XX/XX/XXXX I tried using my card to make a purchase it kept declining so I tried logging in to my Chime account and I kept getting error message that the account was locked, so I contacted customer service and was told the account was locked do to suspicious Activity and that I would need send in documents to prove my identity so sent what was requested I received a email that someone would reach out to me with in 4hours didn't hear from anyone so I called them back and explained to them that my son needs medication which he's out and that it was important that I Access the money I was then told that someone would contact me with in 24hours and that my account was now closed because my SSN doesn't match what IRS has listed and that I need to fill out a w-9 form and send it I did that and pretty much keep getting the run around one agent says that the documents has been received and then the review team is telling me that they haven't been received I have sent in these same document over 10 times and still it's XX/XX/XXXX and I Still can't access my son 's money and I don't have a way to pay any of my bills and XXXX is pretty much saying that it's nothing they can do to help me if they don't release the money
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WA)

I opened a XXXX XXXX card account in XXXX and received my card and activated it. I called Chase and asked them to move my available credit from an existing card to my new card as I wanted to make a large purchase. I then closed my old card account. 

On XX/XX/XXXX, I attempted to make the purchase. My card was declined. I called Chase and asked why my card was being declined. They could not figure out why it was being declined, It showed my credit limit of {$30000.00}, no outstanding balance, but XXXX available credit. Customer service could not see the transaction trying to post or be declined. They had to refer me to the fraud department. I spoke to the fraud department and they could not determine the status of the decline. I was then told by the fraud department that my case was with an escalation fraud team and they would have to call me back. I specifically asked if i would get a call back that day and was told yes. I was making a purchase that had a XXXX discount if I paid it in full on Friday the XXXX. I did not receive a call back on Friday. 

Today is Thursday XX/XX/XXXX and I still have not had a call back from ANYONE at Chase. So I called in today and closed my account. I will NEVER have another account at Chase. 

I lost the discount on the purchase I set this card up to make and again have NEVER gotten a call from Chase to explain why my card was declined. 

I opened this card in good faith and feel the Chase has treated my unfairly and by not receiving a call back or Chase being able to explain my account, they have deceived me. Now, I have an inquiry on my credit report for this card, and an opened and closed account will reflect. I have an excellent credit score, and this will affect it.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with TransUnion XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX, XXXX, and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. TransUnion is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Transunion abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that Transunion will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. I am also uploading the FTC affidavit. 

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 2019-09-13
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. (MN)

Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and Equifax credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at zero and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I called XXXX XXXX over 2 months ago ( XX/XX/2019) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed XXXX I would be leaving the country for 7 weeks and needed the pin ASAP. The XXXX rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from Experian stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the XXXX rep I needed to submit It in writing.
Consumer complaint received 2023-12-01
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: TOYOTA MOTOR CREDIT CORPORATION (IN)

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ). 

Unauthorized Inquiries : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries.

Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.

I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.

I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to submit a comprehensive formal complaint against XXXX, Experian, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : XXXX, Experian, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : XXXX, Experian, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled.

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : XXXX, Experian, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.
Consumer complaint received 2023-12-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

My wife and I were looking to buy a home so I went and got my credit report because we couldn't get an approval because of NCB Management Services Inc. saying that I owed money for a vehicle i never had at a address i never lived at i placed security fraud alerts on all three credit reporting bureau 's I sent a letter to the company certified mail requesting validation of the debt and any documents stating that i had signed a contract with them they never sent an explanation to verify that I owe their company any money and i feel that my rights were violated because they have my personal information and i never gave any written consent for them to have it. this is damaging my families life and i am highly concerned
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX  XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File #  XXXX I am hoping you may help me with this matter.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is posting my mortgage payments late. In some cases up to 5 business days late. I'm getting late payment fees from my lender XXXX XXXX because of this. It's been an on-going thing now every month or so.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX, XXXX  case # XXXX Foreclosed on property by fraud when they did not own mortgage and filing default. Complaint of Foreclosure was by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but Corrective Assigment dated XX/XX/XXXX and recorded OR XXXX : XXXX XXXX  XXXX and XXXX ) corrects Assignee to Bank XXXX XXXX, XXXX. XXXX owned the mortgage not XXXX XXXX XXXX XXXX. Actually foreclosed on property including property not included in mortgage. The Motion for Default by Green Tree Servicing recorded XX/XX/XXXX uses date XX/XX/XXXX which was witnessed by court as accurate date. Green Tree Servicing LLC did not own mortgage, XXXX XXXX XXXX XXXX XXXX did as of XX/XX/XXXX. ( See Court Docket entry for XX/XX/XXXX Motion to Substitute Plaintiff Ditech Financial LLC XXXX XXXX Tree Serving XXXX XXXX XXXX XXXX XXXX Assigment dated XX/XX/XXXX. Numerous times XXXX included additional property in complaint that was not incumbered by mortgage. This complaint involves criminal theft of property not a part of mortgaged property, fraud, foreclosure abuse including embellishments of property value and condition by XXXX  XXXX XXXX, Green Tree Servicing, Shellpoint Mortgage Servicing, and XXXX XXXX. This mortgage was included in the XXXX XXXX Settlement involving XXXX  XXXX XXXX and XXXX other banks and overseen by independent monitor, XXXX XXXX XXXX XXXX, North Carolina Commissioner of Banks as it was XXXX of the modification applications in XXXX.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Parkway Financial Group, LLC (TX)

For three weeks I have not been able to get ahold of the company and I saw online that the parent company had a cyberhack.I can't even open the app or the website, and yet today my payment still went through. I am extremely angry because I don't know where that money is going, I have no trust in the company and have seen hundreds of people now make the same complaints. This is negligence to the highest degree. I had questions and a dispute about my payment going up by over XXXX dollars, and instead of resolving it they charged me anyway.