davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (VA)

XXXX is reporting different amount of accounts than Experian and XXXX. 

They have failed to help with reporting XXXXXXXX XXXX XXXX  as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXX XXXXXXXX has not reported for the month of XXXX & account should have XXXX $ balance!
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX  I legally changed my name by court order. I then went through the process of updating Social Security, all credit cards, and all information anywhere, including my bank accounts. My lawyer assured me this would be all that I needed to do. In XXXX my car was totaled and I went through the process of getting a new car, however, when I applied for a loan in XXXX and again in XXXX, the applications kept coming back as fraud. The two financial agencies that took my information suggested I get in touch with Equifax to correct misinformation. I did and spent the end of XXXX through this date ( XX/XX/XXXX ) struggling with Equifax to understand why they would not update my account. I was told to fax my social security card, drivers license, and court order to them. I did. The request was ignored. I was told to file digitally. I did. This request came back as " resolved '' yet the name was unchanged. On XX/XX/XXXX I spent a day calling Equifax, talking to multiple people to try and find out why the situation was " resolved '' and yet my name was unchanged. I got multiple answers, some trying to be helpful, but most not. Everyone agreed that I had to fax my information again because digital was not acceptable. I was repeatedly told that these items had to be done " with the paper in hand '' and so I asked repeatedly where to mail the original court order to if that was the problem, and I was then given the runaround and told to fax it instead. Today ( XX/XX/XXXX ) I went to XXXX on suggestion of my lawyer to see what information was incorrect on my credit across the board. I was easily able to use my current personal information to locate my credit report. It is my belief that Equifax is being discriminatory and refusing to change this information when they have openly admitted that every step I have taken and every document I have sent is valid and proof of my identity.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax is currently not showing a credit number for me. The other two companies are. The company has told us if we get a membership we could " boost '' our credit. We tried this option and they want to connect to our bank account and we do not feel comfortable with that especially considering their recent credit breach. BUT we tried anyway to " boost '' our credit and they do not support my credit union. I feel like this agency 's practices are not ethical. In addition the agency 's are showing that my mortgage was discharged in bankruptcy and it was not. I still live in the home, my name is on the bill and I pay the mortgage every month. They also told us getting their credit card could help. I applied and was approved, again a conflict of interest and ethically questionable. How can the credit agency make these demands to give us a credit number?
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-07-30
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. (LA)

XXXX and Transunion are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report XXXX and Transunion to the Ombudsman and the OIG!
Consumer complaint received 2022-06-28
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. (CA)

There is two different accounts with XXXX that are NOT my accounts. They are fraudulent. XXXX financial, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2021-12-07
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. (UT)

Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT!
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Both of my credit card accounts with Chase Card Services were recently closed. I was told that one of the cards was closed for delinquent status and the other one was closed at management 's discretion. Here are my reasons for not being able to stay on top of the credit card payments in a timely fashion... 

I ) ACCOUNT # ENDING IN XXXX a ) Account # ending in XXXX had some significant fraudulent charges and I was waiting for the credits to come through, II ) BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX - a ) my oldest daughter had a nervous breakdown and I had to take care of her over the last 5 - 6 months. I have attached a copy of the durable power of attorney which authorizes me to act on my daughter 's behalf and hospital reports. 
b ) In addition to this, I have my own business and I been in an ongoing battle XXXX XXXX over the XX/XX/XXXX account fraud and the investigation is still going on. The fraud ( purposely set up in the wrong account ) has devastated my life and my business. I have attached of the complaints I filed with the CFPB on XXXX XXXX. 

Chase Card Services did not want to hear any of the family/personal issues I have dealt with over the last 5-6 months ; this issue actually dates back to XX/XX/XXXX when she had her first nervous breakdown and I have been working with my daughter ever since. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. They told me that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same crap about the system and management is free to do whatever they want with the account and the decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. 

These were life-changing events and I was not able to handle these issues while helping my daughter. I have a business and at least one credit card.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I TRIED TO OPEN A CHECKING OR SAVINGS ACCOUNT WITH CHASE BANK AND ALL 3 TIMES CHASE DENIED ME AN ACCOUNT DUE TO " MY " FILE '' WITH CHECK SYSTEMS. I CONTACTED XXXX XXXX AND GOT MY REPORT FROM THEM AND IT HAS XXXX ACCOUNTS FOR ME AND XXXX NEGATIVE REPORTS FROM BANKS AND MY WHOLE FILE HAS NOTHING ON IT. CHASE IS DISCRIMINATING AGAINST ME BY NOT LETTING ME OPEN AN ACCOUNT
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (DE)

HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. 
AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I have TD bank, my soon to be ex emptied my account many times over.Her and I went in to TD Bank and I got her off my account. She apparently went back in later in the week and got her own account with a overdraft on my account without me knowing or my permission.She was taking {$1000.00} a week and I kept asking TD bank about it but they said they could not tell me where my money is because I am not on whoever 's account it is.I said close it but they said the other person who has that account has to. She stole $ XXXX {$60000.00} from me and TD did nothing for me. I need help bad, thank you and have a great day. XXXX XXXX
Consumer complaint received 2022-06-28
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. (UT)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

{$180000.00} worth of USD XXXX  coins stored in my XXXXoinbase Wallet was drained in XXXX counts of unauthorized transactions to random wallets through a mining pool scheme operated through XXXX XXXX XXXX XXXX XXXX that was access through the Coinbase Wallet App . 
I raised the issue to Coinbase a month ago that they have withdrawn my funds without my consent. Coinbase falsely advertised its wallet app being the safest with high security features. This was an inherent and serious security deficiency from Coinbase Wallet App that caused the funds to get drained without any type of notice or authorization. 
I also got no concrete support from Coinbase over the past month and they are denying any type of support or help in getting back or reimbursing the lost funds.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-14
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. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im involved in a puppy scam. On XX/XX/2020 I Thought l was buying a XXXX XXXX XXXX week old puppy l use my FDIC back bank account to transfer money through XXXX. The website was fraudulent. I called the bank to report it they said there was nothing they could do about XXXX my {$700.00} is a lost. My question is how can a FDIC bank offer a service that has the potential to cheat people out of there money. I have another bank its an on-line only account the cash app or XXXX would not accept is because the account had to many numbers. They have a fail safe system that works and you can transfer money from account.Im very disappointed in Bank of America and how they offer a service embedded in our accounts XXXX but will not back any transaction. I file a claim with them they said they would investigate but we do not refund from XXXX.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OK)

I was doing the forbearance and then my previous loan servicer sold my loan to BSI financial. At the end of my forbearance ( XXXX XXXX ), I initally wanted to do a loan modification but they gave me the run around and told me I was already behind and that it would take several months to get that approved if I was approved at all. So then I decided to just pay the balance. I set up the first payment of {$4500.00} and they took that payment on XX/XX/XXXX, and the remaining balance was going to be paid a month later. A week ago, I got a check in the mail from XXXX for {$4500.00} and the letter states it was returned for the reason of " Unapplied Funds ''. The next day I got a 45 day forclosure notice in the mail. At this point I have been calling and emailing every day and nobody will return my calls or emails. Then yesterday my credit dropped XXXX points and it shows a major derogatory and 180 days behind on payments. I was in the XXXX 's with a 100 % payment history for several years, and now my credit is ruined. I have all the money to pay them, but nobody will contact me. I am beyond frustrated and I feel like I am being scammed somehow. I did not cash the check they sent me so those funds are still in their account. Please help me ASAP. Thank you!
Consumer complaint received 2022-06-28
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. (SC)

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.

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.

Please remove this account.