davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Someone stole my phone and was able to access my chine account because my passwords are saved to my phone. The thief was able to change my password and my pin to my card and get away with XXXX. My debit card was in my phone case and thats how the thiefs were able to get my wallet. I filed a dispute and got denied by chime
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (PA)

There are two collections on my credit report that need to be removed. They got charged off in 2016  but they keep reappearing as new collections, so i think the collectors are re-aging my debts. Ive contacted them twice and even the company and they are refusing to provide me with documentation.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (IL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE XXXX  
Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (WA)

Been denied my own credit is discrimination and the accident US Bank is portrayed is disgusting unfathomable 12 USC 83 States no Bank shall lend any credit and 12 USC 1431 under duties and powers of banks it stays the banks or the borrowers which means since they are the XXXX and I'm the card holder that they can not be the Creditor at the same time so where does the credit come from it comes from me US Bank is denied My Own Credit access to under a consumer credit transaction for essential household and family needs I've been denied this and I would like this taken care of I would like to remedied and made right by US Bank or my next step will be Federal lawsuit
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX  Inquiry {$0.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank has unpaid checking account debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I never had a checking account with chase bank never opened or gave anyone permission to open an account. I have spoken with chase bank numerous times and early warning systems. They refuse to close the account or remove from their systems yet they told early warning systems the information was inaccurate and told them to remove it from their systems after my complaint and dispute letter to early warning about the account in question was made. It is not on my credit consumer report anymore yet it is still in chase system and I can not get a bank account with chase because of this. have sent a letter to early warning and chase themselves asking for this negative mark to be removed that I dont owe. Early warning has contacted me stating chase confirmed with them it was inaccurate yet chase is still saying owe/own the debt of XXXX $ and refuse to remove it from their systems. I DID NOT OPEN THIS ACCOUNT THIS IS FRAUD AND HINDERING ME!
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TX)

I have tried to get this account off my credit report but this company sent these results back after their own " investigation '' This is what I received from them, when I clearly am a victim of identity theft, as the address that this service was located at was not mine. I have lived at the same address for 22 years and 3 months. This is what shows up on my credit report : THE CBE GROUP XXXX has flagged your account as Unpaid ( D ) with XXXX, which may negatively impact your XXXX XXXX based on XXXX XXXX. 

Source : XXXX XXXX : THE CBE GROUP XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX Activity : Unpaid ( D ) Balance : {$890.00} XXXX XXXX XXXX  Account XXXX Remains Unpaid {$890.00} The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MA)

Received loans to attend XXXX XXXX. The school is part of the Sweet v Cardona settlement, however because my loans were consolidated and moved to fell loans, I'm no longer eligible for refund. These loans were determined to be predatory loans, but because they weren't federal direct loans, I'm not eligible for refund.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NJ)

I had a problem that I made a deposit of XXXX dollars but they hacked my account and transferred it to another account through XXXX and I called the Chase bank to help me and they said that they were not going to help me that they are not responsible and I lost my money. This happened on XX/XX/XXXX and I have been fighting for a month and they don't want to help or give me money back. I want my money back and they also took {$310.00} dollars from my account without me knowing anything, Chase Bank did it a week ago.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NH)

I received a letter on XX/XX/24 dated XX/XX/24 sent to my name and personal address letting me know the Chase Sapphire Visa Signature account I applied for was denied. I did not apply for this credit card, and am under the assumption someone has stolen my identity to try to open this card. CarXXXX was denied because " Obligations too high relative to income. '' I have 2 credit cards, with high limits and a high household income, so this would not apply to me. I called many different Chase customer service numbers and could not get connected with someone. Finally was connected and the person told me their system was going through an update and to call back in a few hours. Chase application reference number XXXX.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX checking account holders XXXX XXXX and XXXX XXXX. The fraud was committed with XXXX XXXX ' debit card. 

Debit card fraudulent purchases totaling {$5800.00} : XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$3200.00} XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$2600.00} On XX/XX/XXXX, Wells Fargo sent an email notifying of a denied purchase for XXXX for {$3200.00}. This email was not read until after the fraud was discovered. 
The wrong billing address was used on the purchase, and I do not know why they eventually approved it on XX/XX/XXXX. 

No notification was received from Wells Fargo for the XXXX XXXX purchase on XX/XX/XXXX for {$2600.00} XXXX XXXX participated in a university choir performance during the fraud and was on the XXXX campus for rehearsals and performances. There are numerous witnesses that XXXX XXXX was not in XXXX, California, where the XXXX XXXX merchandise pick-up occurred, and that she was in XXXX, California, during the fraud. 

XX/XX/XXXX Wells Fargo was notified of the fraud. 
XX/XX/XXXX Wells Fargo denied the fraud claim # XXXX. 

Numerous phone calls were placed to ask why it was denied when the wrong billing address was used, and Wells Fargo did not send any text alerts. 

XX/XX/XXXX, I requested that the case be re-opened and escalated and sent the police report. The new claim number is XXXX. 

XX/XX/XXXX Wells Fargo denied the claim. 
XX/XX/XXXX I asked that the claim be re-opened still questioning on what basics they approved the claim. 

XX/XX/XXXX Wells Fargo denied the claim stating that the consumer authorized the transaction, or no error occurred. Wells Fargo refused me to speak to anyone in the fraud department. Would not tell me how the " the consumer authorized the transactions '' and would not answer my question why the purchases were approved with the wrong billing address.
Consumer complaint received 2018-03-12
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. (CA)

I HAVE CALLED AND SENT EQUIFAX DOCUMENTS IN REGARDS TO A NEW XXXX XXXXL ACCOUNT- ( XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX..

I HAVE SPOKEN TO EVERY DEPARTMENT AT EQUIFAX OVER THE LAST SEVERAL MONTH 'S AND SENSE EQUIFAX OUT SOURCES ITS DISPUTES ITS HARD TO GET A STRAIGHT ANSWER WHEN YOU CALL IN YOU GET TRANSFERRED NUMEROUS TIMES TO DIFFERENT DEPARMENT 'S AND EVERY DEPARTMENT PUSTS YOUR FILE IN DISPUTE AGAIN THEY EVEN START DISPUTES IF XXXX  OR XXXX  INITIATE A DISPUTE IN THERE DATA BASE, I HAVE PROVIDED EQUIFAX WITH ALL THE PROPER DOCUMENTS TO GET THIS ACCOUNT BLOCKED AND REMOVED ACCORDING TO FCRA, AND YET THEY HAVE IGNORED MY CONCERNS AND PUT THIS ( XXXX XXXX ACCOUNT # XXXX BACK IN DISPUTE AGAIN.. I HAD ONE ANALYST TELL THIS ITEM WOULD BE REMOVED WITHIN 48 HOURS GAVE A CONFIRMATION NUMBER TO ONLY MISLEAD ME AND BUT THIS ACCOUNT IN DISPUTE AGAIN ...
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization.

I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802 and Privacy act of 1974.

Account I want to Opt out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Opt out of these accounts
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-05-29
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: CBC Companies, Inc. (FL)

I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/2024, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also XXXX other hard inquiries dated on XX/XX/2024 from Factual Data and XX/XX/2024 from XXXX XXXX. I did not approve of this credit check nor am I familiar with these two companies.
Consumer complaint received 2024-05-29
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

To Whom it May Concern : Attached is a recap of the events leading up to the return of the XXXX XXXX XXXX device purchased on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX XXXX device was sold to myself as a XXXX XXXX device that would help treat my XXXX XXXX XXXX on my body, specifically my XXXX XXXX. It was also sold under the pretense that I could get reimbursed the monies for the device ; if not full reimbursement, partial reimbursement from my medical insurance ( since this was a XXXX XXXX device ). When I received the device at my home, I was surprised once opened, that it appeared to be a used device. There were fingerprints all over the device, box had been opened and re-taped. Clearly, this was not a new XXXX XXXX device. Also, I had asked at the time of purchase, that I did not want to purchase something that was made in XXXX? They assured me that wasnt the case. MADE IN XXXX was the first thing I saw while opening. I proceeded to take it to XXXX of my doctors offices and asked if it was a XXXX XXXX device that would help treat my XXXX XXXX, both doctors let me know that it would do nothing in the treatment of XXXX XXXX. I then contacted my medical insurance and was notified that absolutely nothing would be reimbursed for the device since it was not a XXXX XXXX device. Therefore, my next step was to return the device along with the products they had given me at the time of purchase. The sale was based on fraudulent claims that were untrue. I returned the XXXX XXXX  device and all of the products that were given to me on XX/XX/year> via XXXX XXXX. It was received, accepted and signed for on XX/XX/year> by XXXX. 
American Express was notified to retract the {$13000.00} charge ( which they did ) ; however, the company charged my card again. American Express has retracted the charge for a second time and asked that I give an accounting of what took place with any paperwork I might have. This is the true accounting of what took place. Attached are photos of the device ( when delivered ), a copy of the details of when the delivery of the returned items were received, accepted and signed for and the original receipt. 
Thank you so much for your attention to this matter. If there are any questions, please do not hesitate to contact the undersigned. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MN)

There are two accounts on my credit from Resurgent/LVNV funding. These accounts are fraudulent and do not belong to me. I have reported this to the police and have attached the report for you to keep for your records as well as a copy of my driver 's license. The account details are listed below. 
XXXX. RESURGENT/LVNV Funding : Acct No. XXXX - Balance : {$310.00} - Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Reported On : XX/XX/year> XXXX. RESURGENT/LVNV Funding : Acct XXXX. XXXX - Balance : {$1600.00} Original Creditor : XXXX XXXX  XXXX XXXX - Reported On : XX/XX/year>
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC. (MA)

I applied for HAF program through Massachusetts. I sent all the information needed for review. Santander Bank refused to send my payoff with the deadline so my application was denied. 

Can you please investigate this matter and ensure that I receive my HAF. 

Thank you. 

XXXX XXXX XXXX XXXX