davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I wanted to place a credit freeze on my account so I created myEquifax account & also created accounts with XXXX and XXXX on XX/XX/2019. I was able to place security freeze online with XXXX and XXXX but not with Equifax. When I clicked on " Place or Manage a Freeze '' in myEquifax account, it said " We're sorry. We can't process your Equifax security freeze request online, because we need additional address or identification information. To help us process your request, please click here to see instructions and a link to required information. ". 

I gave them a call next day on XX/XX/2019, and they asked me verification questions like mortgage amount, old mortgage amount, monthly credit card payment which varies from month to month and then the person on the phone said they are not able to verify my information and I'll have to fax them. It's very inconvenient & frustrating to fax my personal information. I expect Equifax to be able to verify my identity through phone or online like other credit reporting agencies or other US financial companies.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding the improper use of my credit information. I discovered that XX/XX/year> inaccurate and misleading information. 

Section 1681n of the Fair Credit Reporting Act prohibits willful noncompliance with the Act. I believe XXXX, XXXX and Equifax has knowingly and willfully violated my rights.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (NV)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/2024 and followed up on XX/XX/2024. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/2024 Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Consumer complaint received 2020-06-05
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. (AL)

I was trying to cosign for my cousinhicle, 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. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Whenever I try to dispute information over the phone the guy says that, I can not place a dispute over the phone without a report number. I then ask him how do I get a report number, he says I can request a report by mail within 7-10 business days. I request a report by mail 7-10 business days have past, I received no report. I call again the guy tells me the same thing I have to request a report and wait 7-10 business days. Same thing over and over again, all for a simple incorrect address dispute. I find this policy to make ridiculously harder than it needs to be to dispute inaccurate information on my consumer report. Its has been over 30 days, guy who I speak to says there was no report requested even though it is the same guy who I requested the report from over 10 days ago. Its complete non-sense.
Consumer complaint received 2021-03-26
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: SYNCHRONY FINANCIAL (VA)

On my credit report it says other names that I am known as is XXXX XXXX XXXX. I never use XXXX on any formal application of any type. There is another XXXX XXXX that has used my identity in the past. I received a letter in the mail several months ago from Synchrony Bank/Pay Pal credit ( SYNCB/XXXX ) about an account in the name as XXXX XXXX that was past due. I called and told them I never opened this account. They sent a letter for me to fill out that I attested it wasn't me. I mailed the letter back. This week I received another letter from them saying the account was past due. I called back and said again, this account is not mine. The account is showing on my credit reports as past due. The credit limit is {$3900.00}, current balance {$4300.00}. The date opened was XX/XX/XXXX, date of last payment was XX/XX/XXXX as shown on the credit report which doesn't make any sense given the account wasn't open then. The company contact is SYNCB/XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I have tried twice with this company to dispute this account that it is not mine and I did not apply for this account.
Consumer complaint received 2021-03-10
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX OF XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-28
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. (NC)

It appears my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please discard these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-28
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. (HI)

On XXXX XXXX, 2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XXXX XXXX, 2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XXXX/XXXX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted.

-Inves

tigation request letter with 2 forms of ID. -Certified mail stubs, front and back. -Request l
etter to update personal information, also sent with 2 forms of ID.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (WA)

1. Citi is currently offering a 0.99 % balance transfer thru XX/XX/XXXX online.

2. When I logged in to my account online and tried to choose the option to have this direct deposited into our account atXX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) I received a message that " The deposit account you entered is not eligible for this type of transaction. Please request a check by mail. '' 3. I called Citi and the CSR attempted to do the transfer herself and told me she could not complete the transfer because " XXXX  does not allow it ''. 4. I called XXXX  and was informed that they do not block deposits from ANY source, including Citi.

5. I called Citi AGAIN and went through the same process. Was informed it was " probably a restriction by Citi, not XXXX  '' and that they " did not do Check by Mail any more '' 6. I asked to speak to a supervisor who refused to tell me WHY there was a restriction and WHY they would not send a check by mail.

7. The supervisor disconnected us as we were again trying to explain the situation.

8. Citi has previously mailed us checks for a similar offer with a shorter grace period. the instructions indicate I can deposit these checks into my bank account or pay any other creditor ( besides Citi, of course ).

9. Basically, Citi is DENYING us access to our credit under more favorable terms, yet there is no indication of any limitations in the offer language on the website. You ONLY learn you can not use direct deposit as an option after submitting the request ( see # 2 above ).

10. Please note : This is the SAME checking account I PAY my Citi bill from. So, it appears they will TAKE money from this account, but not honor it like any other bank account for a transfer.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (NY)

Locked out of newly opened savings account : on XXXX I applied to Discover, via website, for an online savings account, completing all requested information & signing required forms. Once it was submitted, I immediately received a confirmation with account # and a list of the documents I had signed. I logged on 10 minutes later, to add an external account, I was then knocked out of the system ; I logged back in & message appeared " account is locked, call XXXX. '' On XXXX, XXXX, I spoke to CS rep XXXX XXXX XXXX at above #, she couldn't help. At XXXX I spoke to XXXX XXXX XXXX XXXX XXXX who spent 40 minutes with me trying to figure out the cause of lockout, & finally found that the acct had gone to the bank fraud unit???, and gave me phone # 's XXXX and XXXX to call & apologized for not being able to help. For ( 3 ) days straight I called each of the numbers, never got through, and each had waiting times from 1 hr - 3hrs!

I never received a letter or email notifying me of the reason for the lockout. I've lived in New York all my life, XXXX XXXX, all my credit & personal info is readily verifiable. In looking for a new online savings account, I read a reviewer 's remarks- don't remember bank - who experienced what I'm going through and I thought how crazy is that? Something is very wrong with the identification systems if it can not easily identify readily available personal & credit info of an applicant!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (CA)

This is a straightforward complaint, if for no other reason than I was stymied so fast in the process! At the urging of a friend, I buckled and attempted to sign up with crypto.com for purposes of bitcoin trading, etc. They made various demands for information, which I assume were part of the mandatory Know Your Customer policies of the company. For ID, I presented to them my Passport card, issued by the US Dept of State ( of course ). They refused it, saying their system ls are not set up for that kind of ID. ( See attachment ) Ahem. I assert that they dont have a choice in the matter. This has been true for ages, most recently affirmed by the REAL ID act, and many others. 

( They also required biometric data, in the form of a selfie-photo, which troubles me greatly, but I don't know what laws or regulations would apply to that, including the fact that crypto.com is actually based in a foreign country! )
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (UT)

XXXX XXXX, the wife of XXXX XXXX, was awarded the home in question by the divorce court. After extensive phone calls, emails and providing the divorce decree and many other requested documents, Flagstar Bank finally changed the account to XXXX XXXX name. She timely made all of the mortgage payments thereafter and her husband had no involvement at all with the loan. However, when she sold the home on XX/XX/XXXX, Flagstar Bank issued the check for the balance in the Escrow Account ( {$7400.00} ) to her ex-husband and sent it to her. After talking with many of the people at Flagstar Bank ( who promised to correct the problem ) and again sending the divorce decree ( because the people at Flagstar said they had no record of them ) she returned the check as Flagstar instructed. Flagstar issued a new check and sent it to her, but again it was issued to her ex-husband, not to her. After talking with many more people at Flagstar, including supervisors ( XXXX, XXXX, and XXXX ), Flagstar promised to electronically transfer the funds directly to XXXX XXXX account. It was never done and Flagstar never responded again. XXXX continued to call and email with no response. She hired XXXX XXXX XXXX, attorney, who made demand for the escrow amount on XX/XX/XXXX, with no response whatsoever.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Money was fraudulently withdrawn from my son and my account true some app. We call the fraud department and they took all information and reimbursed the money originally. They make us close the account and reopen new one. XXXX months later they send me paperwork and withdraw the money from my personal account. They said that they investigated and they decided that money was owed to this people. My son doesnt use that app at all and doesnt know any of this people. We have been working with Bank of America for XXXX  years. Have many accounts there even business. And also his girlfriend had money withdrawn from her business account XXXX. Thank you
Consumer complaint received 2023-07-20
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX XXXX. I have checking and saving accounts with Chase bank. The accounts got froze on XX/XX/2020 because an SBA loan in the amount of {$7000.00} was accidently deposited into my personal checking account. The SBA loan is a legitimate loan I got from the government SBA back when COVID 19 affected my XXXX XXXX XXXX XXXX. I have documentations including loan agreement and monthly statements that will proof this amount of {$7000.00} was not in any way an illegal money deposited into my account. I did called an SBA officer inquired as to why my accounts got froze. He stated that if the accounts got froze, it was not because of SBA. He stated Chase bank should not have freeze my accounts for any reason. 
After finding out all bank activities did not go through, I called and visited a Chase bank in XXXX TX. The bank associate informed me my accounts got froze because the SBA loan got deposited into my checking account. They want me to show them the proof. I showed them the loan agreement and the terms of repayment statement. The bank associate contacted her branch manager and I was informed they will send me a check of the accounts balance. They asked me to wait and give them time to process. I gave them weeks to complete but they never send out a check or unfreeze my accounts. The accounts are still there with the balance of {$7800.00} in checking and {$500.00} in savings that I have no access to them. Whatever document they required or requested I provided to them but they still would not address the situation. They are not forthcoming or interested in solving this problem for me. They want to keep the status of these accounts as is. In the meantime, I am require to repay the loan monthly to the government. 
Recently I was informed Chase will soon close the accounts. I have made numerous attempts to have Chase release my money. I felt like they are ignoring me. I ask you to intervene on my behalf because I dont have the time and money to hire an attorney.
Consumer complaint received 2023-07-20
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. (NV)

I am sending this letter on my behalf, requesting that the extended fraud alert that I have on my credit report be removed as soon as possible. Attached are my proof of ID, Proof of address and proof of social security number