davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings (FL)

I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced HF Holdings, Inc.out of XXXX Florida. I received XXXX phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.
Consumer complaint received 2022-10-18
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. (TX)

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} 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/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus! 
They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

This is my second complain about this. 

On XX/XX/XXXX at XXXX my Wells Fargo account was hacked by unauthorized scammers who sent {$990.00} to XXXX XXXX using this email XXXX They enrolled me into XXXX through my Wells Fargo account and stole the money from my wife 's saving account. I called Wells Fargo immediately and reported the unauthorized transaction. They set up claim # XXXX and told me they will investigate what happened and asked what time of day I was available so that they could call me for questions. Wells Fargo never contacted me after this. I also had to ask Wells Fargo to change my user ID and password to prevent anymore theft from the hackers. The following are phone number the hackers used to contact me. XXXX, XXXX, XXXX, XXXX. The hackers sent me a text and told me they could give me my money back if I called them. I ignored their calls and texts. I also filed a police report XXXX with officer XXXX of the XXXX XXXX, IA police department. Today I received an email from Wells Fargo stating that the payment was processed as requested. I did not request nor authorize this or do it myself. There was no request from me. The only people that requested it our the criminals that stole the funds. Regulation E states they must return my funds for this unauthorized withdrawal. XXXX even states this on their website. Wells Fargo is incorrect stating that I authorized people to steal from me. 

Wells Fargo 's response to my first complain was that the transaction was an XXXX sale. 
What sale? What was purchased? Where is the information from XXXX? I have no information about any transaction sale with XXXX. I don't think it is even possible to pay with XXXX on XXXX. They only offer XXXX and credit cards. What does this have to do with them gaining access to my wells fargo account? A XXXX transfer to XXXX XXXX was done directly through my Wells Fargo bank account. There was no involvement by XXXX. XXXX was the email my money was sent to. That is not XXXX. No money is being sent to XXXX or handled by XXXX. My account was hacked and the money stolen. Nothing was authorized. Wells Fargo needs to provide more information about this supposed XXXX transaction.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (GA)

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a fraud report with the ftc and they still havent took the fraudulent accounts off my report please this is hurting me from taking care of my family and hurting me in my everyday like I need those thing took off my account so I can get a credit card and auto loan for myself its been thirty days and they still havent removed the items
Consumer complaint received 2021-01-29
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPBB ASAP!
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CA)

I responded to email offer to refi my government-backed mortgage from Bank of the West as a current bank customer.Loan officer collected my personal info, tax papers, got my credit checked and offered me 2.5 % rate for 15 years mortgage.On XXXX he contacted me and confirmed the rate and told me that also I can get credit on my closing cost account because of current mortgage rate drop. He also told me that I have to pay upfront sum of {$490.00} appraisal fee. I told him that if you sure that I can get loan, just add this amount to closing cost. He said that customers sometimes disagree with their loan terms and thats why he wants to collect money now, even if its a government-backed loan. He made a pressure on me and asked to provide credit card information or loan application will be cancelled. 
I had my credit score over XXXX and salary over XXXX per year, and it was checked already. 
Yesterday I got informed that now he will be able to offer me only 30 years loan with 3.5 % interest rate. Of course, this offer was unacceptable. He refuses to pay my {$490.00} closing cost back. This charge was made under pressure and can be disputed. Here is another unethical example how mortgage broker trying to get advantage of customer during pandemic time. 
Information about loan officer : XXXX XXXX NMLS XXXX Phone number XXXX XXXX
Consumer complaint received 2022-12-27
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. (TX)

A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-29
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. (FL)

Equifax currently reports an inquiry i do not reconized, XXXX XXXX XXXX This Inquiry is unauthorized, illegal Reporting has no permissable cause, no loan or credit has been awared. a violation of FCRA rules
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

I have received an email notification from XXXX to check my credit score because it has decreased. After I logged in to XXXX I have noticed a collection account from unknown company called " L J ROSS ASSOCIATES IN '' and the original creditor is " XXXX XXXX XXXX XXXX XXXX XXXX ''. I have multiple accounts with " XXXX XXXX XXXX XXXX XXXX XXXX '' therefore I called " XXXX XXXX XXXX XXXX XXXX XXXX  '' to find out what this is about and if I owe any money on any of the accounts to which " XXXX XXXX XXXX XXXX XXXX XXXX '' said I do owe money for a property at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I replied to " XXXX XXXX XXXX XXXX XXXX XXXX '' that I never owned this property and I never had any accounts there but I have represented the seller as a licensed real estate broker and sold the property on XX/XX/2020. Which brings me to conclusion ; I would like to report fraud both on " XXXX XXXX XXXX XXXX XXXX XXXX '' and " L J ROSS ASSOCIATES IN '' and request for this collection to be removed from all credit bureaus and proof of to be provided upon doing so.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

My name is XXXX XXXX and I have been trying to clean my credit now for 5 years. My credit was compromised and I also received information from XXXX  that my credit was compromise. I have filed a claim with XXXX  for the Class Action situation with XXXX  data breach. After almost 10 years I have been disputing a Santander loan on my credit and XXXX XXXX  that was a car accident and I sent in all paperwork and it is still reporting. I recall co-signing with my ex husband years ago with Santander but XXXX should be deleted and Santander. The vehicle was sold for {$4900.00} but they are still reporting {$10000.00}. I have been on XXXX for 3 years now but this car loan on my credit is prohibiting me from purchasing anything and keeping my score low. I have complained for over 3 years with all credit reports and they continue to not delete it and I have called the collection agency and they admitted it should be {$2000.00} listed as debt but they havent negotiated the price or deleted it and they are still reporting {$10000.00}. I cant get approved for a place to live and or a credit card. I constantly dispute this car loan and it constantly stays on my credit and its been almost 10 years. Please help me. I am a XXXX single mom of XXXX XXXX children and I already fill in poverty. I am trying to repair my credit. I also have tons of inquires and most I did not apply for and credit companies told me nothing could be done about the inquiries. What are my right with inquires?
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I made a deposit the deposit ticket notified me that the funds would be held until XX/XX/XXXX When I checked on line the deposit hold also stated it would be released on XX/XX/XXXX On XX/XX/XXXX the hold now stated it was until XXXX XXXX my account overdrawn I relied on the information provided much to my detriment. 
On XX/XX/XXXX i made a deposit and was notified that the funds would be held until XX/XX/XXXX. I called many times and verified that with the lying banker and lo and behold not that hold for XX/XX/XXXX is XX/XX/XXXX once again making my account overdrawn as i relied on the lying bankers and banks information that they provided. 

It seems to me that not only am I being lied to and XXXX  but that there is perhaps discrimination that needs to be addressed
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

I received my unemployment deposit with back pay for XXXX $ to my chime account. Once it was received I was able to withdraw XXXX $ and after that I tried to pay a bill and it was declined, called chime and was told my account was suspended for suspicious activity, basically the unemployment deposit was suspicious because of the amount even though I had received at least 8 deposits in the past from same place and never has a issue. I called them and they asked me to verify my identity and to verify I was entitled to unemployment benefits, I sent them everything they asked for, after a few days they sent me a email telling me my account has been closed And I'm not eligible for a refund, due to violating there user agreement policy. Now I can't get ahold of no one and they tell me it's email only for that department, I've sent emails a bunch of times and they don't respond, if you XXXX reviews about Chime bank there is 100s of people that they have done this to, it can't be a coincidence that people with exact situation gets there money stolen from them, please help me and help anyone else so this doesn't happen to anyone!
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} Fair Collections and Out XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the recent denial of extension of my own credit via Chase Bank be approved & remedy be provided, as this is my own credit that Chase Bank is extending back to me- not the other way around. 

Pursuant to 12 U.S. Code 1431 : " Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. '' So we can clearly see from this that Banks are not even allowed to " extend credit '', yet are making fraudulent claims that they are the creditor and have the power to approve/deny a natural person credit.

This is outright fraudulent and is discrimination against me as a Federally Protected Consumer. It is my God-Given right to access as many open ended credit plans as I desire ( 15 U.S. Code 1602 ( g ) ), and it is unlawful discrimination for Chase Bank to refuse to extend my credit back to me ( the original creditor ) for simply exercising my rights- pursuant to 15 U.S. Code 1691 ( a ) ( 3 ).

I would like to inform you that in case your corporation continues to make fraudulent claims in regards to my reputation, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any future refusal or denial to extend me my own credit is made by your corporation, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property Lastly, I would like to further inform you that if any action is taken during or after the investigation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My current and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. 

HARD INQUIRIES : THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED *XXXX XXXX  *XXXX XXXX  *XXXX XXXX  *XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
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: SYNCHRONY FINANCIAL (NY)

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX  2. ) XXXX XXXX XXXX 3. ) XXXX  XXXX  XXXX XXXX XXXX