davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from MED BUSI BUR that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

MED BUSI BUR Original creditor : XXXX XXXXXXXX XXXX Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-09-15
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: DISCOVER BANK (TX)

Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

On XX/XX/2021 I made a online purchase from a company via XXXX for the amount of {$780.00}. The company was in constant communication with me until I made the purchase. On XX/XX/2021 the company stated that the received my payment and that the items would ship out soon. 

The items never shipped out I reached out to the company about getting an update on the shipping on XX/XX/2021, XXXX and XX/XX/2021 all messages were time stamped and read by the company but no response. 

I asked via email on XX/XX/2021 for the company to issue me a refund for the payment as I no longer wanted the items. The company failed to respond On XX/XX/2021 I filed a dispute with my bank stating that the goods were never received and I was asked by the bank to send in all documentation. 
I sent in the following documentation to the bank to handle the dispute 1. Emails requesting a refund from the merchant, Emails following up with the company asking about the shipping status and no response from the company. 
2. Emailed social media conversations where the company advised on XX/XX/2021 that I needed to come to XXXX XXXX to pick up my purchase when I paid for shipping. 
3. Social media conversation where the company refused to issue me a refund and that I needed to work with my bank on the dispute process. 
4. Complaint with the Texas Attorney General about this company that I not a registered business in the state of Texas. 
5. Complaint with the FTC against this company stating that when you are a victim of fraud that your bank is required to do a charge back to protect the consumer against fraud. 

On XX/XX/2021 the bank stated they denied my dispute because they reached out to the merchant and the billing and shipping information matched, and I need to reach out to the merchant for a refund. There is no way that the bank even investigated my dispute because the address that is on my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The address that I provided to the merchant for shipping is my new address XXXX XXXX XXXX XXXX, XXXX XXXX. So the statement made by the bank is false and misleading. 

I have reached out to this company several times asking for a refund and the merchant has failed to issue a refund. Clearly because the company is attempting to defraud me and the bank is allowing this company to defraud me. 

I have asked the bank to reopen my case and send me my money back to me.
Consumer complaint received 2021-11-26
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)

Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Fraudulent charge of {$900.00} after being hacked. Tried resolving with Goldman Sachs since XX/XX/24 and keep charging me the {$900.00}. Keep declining the fraudulent charge claim telling me it was legit. 

Its now 120 days and they keep charging me.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that i had 2 late payments on accounts that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX. 
Please investigate and provide proof with statements showing that these payments were late .If proof can't be provided i demand these payments be updated to on time as they should be as i was never late .Thanks
Consumer complaint received 2023-03-22
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TN)

I have a XXXX XXXX loan. XX/XX/XXXX I requested a XXXX XXXX loan forbearance. After the XXXX XXXX, I requested an extension. In total I have had XXXX XXXX of XXXX. My reading of the cares act states if I had been in an active forbearance plan as of XX/XX/XXXX, which I had, that I would be eligible for an additional XXXX XXXX for an XXXX XXXX total. I write Murder mystery party games for people to host large parties in their homes or businesses. My XXXX year old business has been impacted greatly by the pandemic. I have fixed up my home and had plans to put it on the market, but my XXXX XXXX lender, which is Rocket Mortgage has denied any further extension saying XXXX XXXX  only allows XXXX XXXX  period and they answer to their investors and not XXXX XXXX  or the XXXX XXXX Thats twice Ive heard that one. I tried to do a loan mod once before XXXX  years ago, but they only reduced my payment by {$50.00} and extended my loan by XXXX years! I still made the XXXX  months of required payments then they denied me the mod because I contacted XXXX XXXXXXXX who got involved because they werent following guidelines. They lied either in the loan modification process saying my home was worth {$210000.00}, which prevented me qualifying for a lower interest rate, but when I filed bankruptcy directly after, they filed paperwork saying my home was only worth {$160000.00} to prevent me being able to sell it under the bankruptcy : I have both of these sets of paperwork showing that. So according to Rocket mortgage twice filed legal paperwork, my home value decreased by {$45000.00} in XXXX  months and this was BEFORE XXXX. Nothing in my home had changed except aging XXXX more months. I borrowed money from my family to fix up my home and make it marketable for max value, which is almost complete and now I cant get the extension so I can actually sell my house after the work Ive poured into it, but my guess is Ill get foreclosure paperwork that puts it up for sale by auction in a month. If they follow the same pattern as before, a loan mod with a {$50.00} reduction as before wouldnt give me an affordable payment either. The paperwork shows they will lie cheat and steal. Simple as that.
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: EQUIFAX, INC. (TX)

I SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON MY CREDIT REPORT.
Consumer complaint received 2023-03-22
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)

I have items on my credit that should either not be there or updated. I have submitted multiple disputes with proof to have these updated and removed but they continue to tell me they will not update it. They make it very difficult to submit supporting documents and on occasion has not allowed me to include these. I have also been notified im no longer allowed to dispute certain items off my credit as they are " duplicates ''. Which is true however of they actually did an investigation they would see where the company and experian is wrong in keeping the debt on my credit.

Affirm- when an account is paid at a 0 balance you should be updating this. I have had 3 accounts that you have done this to and are refusing to update credit reports when the consumers pay them off. This is wrong. If you can report monthly if you received a payment or not you can report when an accout is paid off.
Consumer complaint received 2022-02-02
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. (PA)

I recently received a copy of my Equifax consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 

CREDIT TECHNOLOGY- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX This company is in clear violation of the law. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave this company written instructions to furnish these inquires on my consumer report! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681b ( c ) ( 1 ) and 15 USC 1681b ( c ) ( 3 ) clearly states : 15 USC 1681b ( c ) ( 1 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; 15 USC 1681b ( c ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.
Consumer complaint received 2023-03-22
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-06
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. (MO)

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-12-21
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. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX 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 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX {$600.00} was withdrawn out of my savings account. My PIN number was changed by an individual that gained access at the branch and withdrawal out of my account the same day. Chase bank allowed someone to access my account without my permission. On XX/XX/XXXX Ive been disputing this transaction for chase to take action on returning the money that was withdrawn. Chase sends me a letter stating We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. 
I did not authorize or receive benefit from {$600.00} being withdrawn by my account. Chase needs to take responsibility for allowing someone to commit fraud and changing my PIN number to my debit card to withdraw money.
Consumer complaint received 2022-08-02
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX