davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am in receipt of a letter dated XX/XX/2022 from Equifax Information Services. In this letter they are requesting a copy of my drivers license, my social security card and utility bill. I HAVE since 1 or 2 months ago already send all 3 of these identification documents... several times! 

Equifax has continued to dodge my request for corrections on my report. This time is a tactic for claiming that they haven't received any of my proper identification documents. They have. Several times over. 

I find it pitiful that a company like Equifax gets away this type of treatment to their customers. 

I have sent NUMEROUS letters to Equifax over the last several months and each and EVERY time I have included the identification documents. 

Equifax has NO excuse. 

Please investigate this matter CFPB. 

I've had enough. 

All I want EQUIFAX to do is to FIX all the errors my credit report from incorrect names to inquiries to lates. 

Equifax STILL has the wrong name for me. 

My name is NOT XXXX XXXX XXXX My name is legally XXXX XXXX as stated on all my documents ... my drivers license, my social security card, and my utility bill. 

Equifax has all the proof they need to fix this error. 

This problem with fixing my name and other errors my Equifax report is causing my credit score to not be fixed and I'm also being denied other credit opportunities. 

Thank you for your help in this matter.
Consumer complaint received 2019-03-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

I have contacted Shellpoint Mortgage and XXXX XXXX in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from XXXX XXXX to Shellpoint Mortgage Servicing in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both Shellpoint and XXXX XXXX about this change. 

Additionally, I also see that Shellpoint account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to XXXX XXXX. Please find the monthly statement for XXXX from XXXX XXXX which shows no statement balance, and also my monthly statements which show 3 payments made to XXXX XXXX ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both Shellpoint and XXXX XXXX in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from Shellpoint 2. I receive a transfer notice from XXXX XXXX and Shellpoint 3. My outstanding balance due is fixed at Shellpoint. 

I would appreciate your help expediting this request to correct the balances.
Consumer complaint received 2022-08-17
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. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (IL)

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-16
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against JPMCB AUTO for committing identity theft. I have never given JPMCB AUTO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from JPMCB AUTO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If JPMCB AUTO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JPMCB AUTO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and JPMCB AUTO continues its collection efforts, I will file for litigation for actual damages caused and JPMCB AUTO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (CA)

I have tried to get a credit increase with Apple Card/Goldman Sachs , until about two weeks ago I had a fraud alert on my credit report/ which has been since removed for about two weeks now on all three credit Buearu sites. When applied to get the card i had a fraud alert, my 1 st increase fraud alert. Since removing the fraud alert, I have applied about 4 times and I always get a response that they couldnt approve me due to the fraud alert, and that they have tried to reach me, which is untrue, I have called reps talked to supervisor s, open up complaint case and have been given my contact number and times available to talk do to the time difference. 
When I received a call out side of the time I am available, the close the case and I have to request another complaint. 

I have asked when they pull the credit is it current and a update, no one can answer the questions.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (FL)

I applied for a personal loan on XX/XX/XXXX with Upstart Network and was approved for a loan of {$1000.00} however I did not accept the amount, because I did not need it at the time. The loan offer expired so I reapplied on XX/XX/XXXX and was denied due to high balances on accounts and insufficient credit history which were all on my credit when I got the approval back in XXXX but in XXXX I got denied.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc (TX)

XX/XX/22 XX/XX/22 I've had issues with the payment processor that has caused payments to not come out on time. I use this service to help my credit but it has caused more damage. When reaching agents it is via email and can take a day for reply caused last payment.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (SC)

Americollect has been sending me collection notices in the amount of {$370.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I have new and updated information concerning Lexis Nexis. I previously complained of Lexis Nexis ' illegal conduct under ID # XXXX, but received no resolution to my complaint. Lexis Nexis has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Lexis Nexis is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-03-29
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: ID Analytics, Inc. (NC)

On XX/XX/2022, SageStream , LLC, a subsidiary of XXXX XXXX reported a " credit score '' of XXXX to XXXX XXXX  during attempts to secure a loan for a vehicle. After securing my report from SageStream , LLC, there is no such " credit score of XXXX '' on the report THAT i HAVE JUST RECEIVED TODAY, TUESDAY, XXXX  XXXX, XXXX, unless I am over looking the XXXX pages plus. It is a general understanding that the SageStream , LLC is a personal consumer reporting agency not a personal credit reporting agency that deals with finances. My report consist of my residences, auto report information, insurance information, and the XXXX XXXX report. There is no information regarding how I pay my debts, the debts that I have, and extended credit. Thus, how can SageStream , LLC determine and submit a credit score to XXXX XXXX? 
When I called SageStream , LLC about this, I was told that they had not submitted a report to XXXX XXXX  which appears to be false according to XXXX XXXX  's denial letter to me. There is a lot of confusion, misrepresentation, and harm caused. Originally, I was denied securing my report from SageStream by employees overseas. I had to keep calling and calling and finally secured the attention of a supervisor who sent me the report.
Consumer complaint received 2019-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, National Association (NY)

The New York Community Bank office in XXXX XXXX [ XXXX XXXX ] ran a background check on my Social Security number thru XXXX  XXXX after I had opened a CD and checking account on XX/XX/XXXX and determined that I had to bring my SS card to the office for identification purposes. I went to the bank to ask why I was asked to bring the SS card since I was an existing customer of NYCB for several years. They claimed that someone else had been heavily using my social security for several years. I immediately initiated the investigation by contacting the credit bureaus, Social Security Administration and XXXX XXXX to obtain the reports. Every report came up clean. The only name associated with my SSN was mine. I went back to the bank in XX/XX/XXXX and spoke to Management regarding the results of my investigation. They told me to contact XXXX XXXX again and ask them run the report by using my SSN only. I contacted XXXX XXXX several times to review the info linked to my SSN and no errors were found. Since the bank is the only institution seeing the other individual linked to my SSN, I asked them several times to provide me with a general letter indicating the issue without disclosure of the other individuals identity so I could initiate a proper investigation. Management has denied my request multiple times in the most unprofessional manner. On my last visit to the bank [ XX/XX/XXXX ] I was informed that the individual linked to my SSN had died in XX/XX/XXXX. Where is the bank getting this info from? Why none of the agencies I contacted has this info? They told me to ignore the whole issue with my SSN, to let it go. They further said that they did a background check on my SSN because everyday people open bogus, suspicious accounts. Were my accounts bogus and suspicious? That comment alone was extremely offensive. My parents, loyal customers of NYCB for over 20 years, are taking their business elsewhere. 

The rude, dismissive, impolite, unprofessional behavior and negative comments made during my recent interactions with management are a clear indication that the bank is discriminating against me. Providing me with a letter I have requested so I can initiate an investigation to ensure that I am not a victim of identity theft is the least the bank should do besides the apology for their discriminatory behavior.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I have tried to use my debit card at a store to find out that my card was declined. I thought that it was strange since I had plenty of money in my account. I discovered on my online banking with Wells Fargo that someone had set up a Bill Pay on my account to a XXXX XXXX XXXX account and made two transaction of {$900.00} and {$900.00} consecutively on XX/XX/2022. ( Noted that I am not associated with XXXX XXXX XXXXXXXX in any form ). I'm assuming that someone ( fraud ) has gotten information online of my online account from a malware of some sort or from the pattern of debit card shimming that has been going on and made that transaction themselves. I have called customer service fraud department for Wells Fargo but eventually weeks later, I have received a letter that they decided to deny my claim and concluded that I that I gave that information to someone I knew or I made that transaction myself. I have not given any information to anyone I know my bank account for any reason. It would be foolish of me to do that even for anyone that I trust. I have been with Wells Fargo for many years ( even when they were called XXXX ). I have never had an incident like this before. It has been very frustrating to me in why they would think logically that I would clear out my whole bank account and be in the negative on purpose. I have feel that Wells Fargo did not try to see my point of view of how this situation could happen but being unable to contact the investigator is very frustrating for me because I felt as though that Wells Fargo would try to use any excuse to prevent me from getting my money back. I feel very wronged by Wells Fargo and that they were not willing to help me from a loyal customer from many years. I have submitted a police report regarding this situation so that it is legitimate and that I am not faking these unauthorized transactions. I am using this as an accountability that those transactions were not done by me or anyone that I know of. Thank you for your time.
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 — Account information incorrect
Company: FC HoldCo LLC (GA)

I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.
Consumer complaint received 2022-08-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX and I am submitting this complaint today to inform the XXXX XXXX XXXX that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX 62*XXXX Balance XXXX {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX OF XXXX XXXX* Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}