davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: GOLDMAN SACHS BANK USA (MN)

Apple Card illegally charged me for something I didnt buy. 
After complaints were filed with the CFPB the outcomes said XXXX, company response But the illegal charges and balance remain in my card/account. 
I demand Apple Card to show me what I buy with the card. Is it too much to ask?
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (OH)

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : radius global XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. 

I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I have contacted all three Credit bureaus, Equifax, XXXX, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX, I contacted Rocket Mortgage ( aka Quicken Loans ) to inquire about obtaining an FHA Cash Out Refinance Loan ( it would be used to pay off a Federal Tax Lien, debts and home improvements ). I would deliver over several days by e-mail to the loan servicing agent all requested information after receiving his verbal delivery of potential FHA approval. After several days and his directive to change document submissions from his corporate e-mail to his personal email ( he conveyed often documents did not go through/transmit properly ). He advised I would not be approved for an FHA loan. I would have to obtain a conventional loan. He stated it was due to the fact I had a Federal Tax Lien ( he had been delivered payoff documentation from the IRS by fax ), which did not appear on my credit report. Because of the Federal Tax Lien did not appear on my credit report I would then be subjected to what was called XXXX payments. A requirement the FHA applicant should have one full payment of mortgage loan principle and escrow ( principal, taxes, insurance ) in reserve/savings. I did not currently have that in my savings. I contacted XXXX ( XXXX ) to confirm the lenders policy. I was advised it was not within their guidelines. I also researched through XXXX and found out Tax liens won't show up on your credit report. That was due to the credit bureaus deciding in XXXX of this year ..tax information would no longer be provided ( due to a creditors ability to find out the information through public records etc. ) I was sent an email conveyance which I forwarded to the loan servicing agent. He later would respond it was his lenders preference in accordance with our government condoned fair lender policy... basically a lender overlay ( XXXX ).
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.
Consumer complaint received 2022-09-19
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. (FL)

1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase has reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Chase has asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. XXXX have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

I paid my individual portion prior to XXXX in 2XXXX, and have proof of this attached. Fast-forward XXXX XXXX years later, I am just receiving a first statement from a company collecting debt on behalf of the physician, XXXX XXXX XXXX and a XXXX center that has gone under, and is no longer in business. I spoke with the debt collection company to let them know that this was not my debt and that my portion was paid in full prior to XXXX. My insurance company also pay their portion, {$47000.00}. I spoke with XXXX XXXX office and received confirmation from his practice manager that I owed XXXX dollars. I am tired of the harassing letters and a threat to impact my credit with this false debt.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and Credit Cards ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and [ XXXX XXXX XXXX XXXX XXXX  with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-08
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have supplied Experian Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionally, a copy of my FTC fraud report. My request has been for Experian to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked XXXX  to investigate for validation method not Verification. Experian has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Experian copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Experian continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (CO)

I never received a new card for my account. The account says closed on my credit report, yet they continue to draw money from my account each month for account services. I called to request a new card for the account and continue with my account on XX/XX/2021. They complied and said that I would receive a card by XX/XX/2021. I have yet to receive my new card. I would like an answer as to what will be done as far as receiving a new card. If they are not willing to deliver a new card immediately. I would like the account permanently closed and receive a refund for the amount drawn for the following months since the card expired in XXXX.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
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. (FL)

On XX/XX/2021 I submitted documentation to Equifax along with a signed affidavit explaining the inquiries on my report are fraudulent as I have been a victim of identity fraud. Equifax did not investigate properly and did not remove the inquiries. They sent me a letter stated they were verified. This would not be factual and is a violation of my rights to have inquiries investigated and removed from my report due to fraudulent activities.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/20 XXXX XXXX XXXX placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I'm making claim that Portfolio Recovery Associates in regards to alleged debt [ Account Number XXXX Balance : XXXX ] has violated my rights as a consumer and has failed to comply with provisions of the subchapter { 15 US Code 1692 }.

And in { 15 US Code 1692 ( k ) } ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

So since I have been greatly injured and has cause me and family great harm ( in attached documents you can see violations and other forms of injury ) by law I that shown above I'm entitled to remedy so I demand that all information be removed from my credit file and all schedule fees due to me be paid in full. My invoice was enclosed in the affidavit I sent to them and it is attached as well. My Mailing information was also in affidavit so they can send payment.
Consumer complaint received 2021-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020 & XX/XX/2020 Bk of Amer has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2021-08-24
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: NAVY FEDERAL CREDIT UNION (WA)

Someone opened a credit line with Navy Federal Credit Union for XXXX $ on XX/XX/XXXX of XX/XX/2020. They also tried to open other credit cards in my name!! They said I work for the XXXX which I have never been in the military. Also using a address I have never been to in XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. I need this taken care of asap. How ever we have to do it need to do it.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (NY)

I was approved for Aspire Credit card with a XXXX credit limit. They have already charged me XXXX activation fee and yearly fee. I was able to use it twice. Since then have called them 3x bc purchases are being denied. They say a hold was put on card. But there is no reason for a hold.They have not cleared hold. I informed them there has been no fraud. It seems they are a con to prey on low credit score XXXX people like me. They are supposedly through the XXXX XXXX XXXX Called them on XX/XX/XXXX, XX/XX/XXXX 2x, and XX/XX/XXXX.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OneMain Finance Corporation (UT)

FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX at my employer, paid cash for one office visit to a XXXX XXXX and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had Direct Deposit and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX Mailing is denied. 
XXXX XXXX XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX3 mailings-denied. 
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

At XXXX XXXX, EDT today, I received a text message purportedly from Chase bank asking me to call a particular number. 

I will try to show how it came. FRM : XXXX XXXX MSG : Dial-Us XXXX XXXX XXXX XXXX XXXX XXXX  I did call, they asked for my Debit Card Number. I don't have one. Foolishly, I entered my credit card number ; they said they could not accept a credit number. 

I hung up and called Chase ; the lady said it was probably a fraud. I have to contact XXXX XXXX because I have to work with them on some issues, but I will cancel the card. My husband used the card today as he is flying today and tomorrow. I told him NOT to use the card tomorrow, since what he would use it for was paid today.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

I have been in contact with Phoenix Financial Services since XXXX  as of late I have sent the documents XXXX and XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.