davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (NC)

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below.
Consumer complaint received 2023-04-19
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2023-05-01
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)

I'm really sad that they are displaying on my credit record because this account is not mine. Please delete it. Since this account does not belong to me and never will, I want the company to delete it. Please assist me in getting this off of my credit record as soon as possible.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

As a recently XXXX XXXX, I became aware of the Servicemembers Civil Relief Act ( SCRA ). I submitted a request to Discover Card on XX/XX/2023 that reads as follows : " As a XXXXXXXX XXXX  XXXX, recently retired XXXX Military veteran, I would like to request debt relief assistance under the Servicemembers Civil Relief Act ( SCRA ) via debt or interest rate reduction for the account ( XXXX ) I have with your company. Attached is my Veterans Affairs XXXX letter. '' Approximately, a 10 days later I received notification from Discover Card that they have closed my account. Per SCRA, " a lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. '' Discover Card violated my rights as a servicemember and federal SCRA laws. I would like my card reinstated, the debt and interest rate reduced.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (NV)

I sent a request to have the account removed from my credit report because it had inaccurate account information. The balance was lower than what was showing on my credit report they responded by just lowering the balance, but that is incorrect because that was incorrect on my credit report and I want to have that account removed from my report. And per definition, anything that is inaccurate on my report should be removed in this case I want to have this account removed immediately.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

We paid our bill to American Express in XXXX ( the total balance due which we pay every month ). We paid through our bill-pay service with XXXX XXXX XXXX Bank XXXX They sent the payment electronically to American Express. American Express claims they never received the payment. We have provided 100 % of the documentation that they have requested multiple times including but not limited to having XXXX XXXX XXXX Management speak directly to American Express Supervisors. As a consumer we are out of options. XXXX can not reverse an electronic payment. American Express won't admit that they applied our payment to someone else 's account. XXXX has no legal representation for clients whose bill payments are denied by 3rd parties. American Express is giving us no further options other than to pay them {$2400.00} AGAIN. 

Why is it the consumer 's fault if American Express lost a payment? We can prove the payment went to them. Why is it our fault that they lost it? 

This is fraud.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (FL)

I was in a car accident XX/XX/. My car was totalled and Santander bank continues to report my loan being defaulted. How could I pay on something that didn't exist after XX/XX/?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (MI)

I received a email alerting me that applications was submitted XXXX to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted trasunion right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.
Consumer complaint received 2023-07-06
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. (GA)

My name is XXXX 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.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2023, an account on XXXX I recognized reached out to me to do a painting on one of my XXXX posts. I thought it was a cool idea so I accepted and from there they explained how they were gon na conduct business. They would send me a check for the rights to the image and I would just sit back and send me a copy of the completed work that they were also sending to another consumer. I agreed and so they sent me a check and I cashed it through XXXX bank and it said that it had gone through, but then the XXXX account had told me to send back {$500.00} due to an error of some sort and I didn't think anything of it because of the check they had sent me. After I sent back the {$500.00}, all seemed well until the next day, the checks were declined and the instagram refused to send back the payment I had made through venmo. I was not able to get the money back and I was then blocked by the account. I reached out to chase bank for help on the issue and I filed a claim which was reversed a month after. I have information on the XXXX account, I have a phone number, and I have the username used on the venmo transaction plus messages of the conversation.
Consumer complaint received 2023-09-15
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. (NY)

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 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 XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance XXXX {$9700.00}.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax staff appear contemptuous of correcting Biden student loan forgiveness information. See attached email and documentation. I have submitted multiple disputes but the staffer holds out in contempt.The balance is XXXX, no lates. 
( *Equifax Counsel please do note given common CFPB complaint tactics by companies that CFPB replies must be in language understandable to the least sophisticated debtor, not include answers or information not asked for by the complaint, or other obfuscating tactics, and must address the complaint directly in a simple answer, otherwise the response will just generate another CFPB portal complaint, and another, and another, until an appropriate response is recorded into the CFPB portal )
Consumer complaint received 2023-05-06
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. (AZ)

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 XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-04-07
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. (OH)

This account # XXXX  XXXX XXXX XXXX was Charged off XX/XX/24 and is being reported as charged off each month illegally re- aging my account it is the bureau job to report accurate information.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (DC)

On Wednesday, XX/XX/XXXX, I emailed Chime to tell them that when I tried to transfer {$10000.00} ( the total balance ) out of my Chime checking account to a XXXX XXXX, I was unable to do so. I received an error that said I needed to activate my debit card to do so. I requested a debit card, received it, activated it, confirmed the activation, and was still unable to transfer money out. I emailed Chime a subsequent ten times asking why this was. I sent them screenshots of my app showing that the XXXX account I tried to transfer money to was successfully linked, but that it would not show as an option when I tried to transfer money. I believe this is Chime 's way of preventing customers from leaving their bank, as their email replies were full of unhelpful remarks such as " I know how important for you to know that information ''.
Consumer complaint received 2017-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have tried to resolve my payment problem with bank of america. But they keep giving me the run around. They have sent my account to their fore closing department ove r 3  payments which equal to {$3000.00}. I have applied for a home loan modification but was denied because they said my income was hire. I have appealed it and its in the appeal processing. I believe they are retaliating because of my past complaints. By Alabama law its suppose to be  17 pay ments past due and I have received a letter from them to still keep making my payments during the appeals process. They gave cancelled my payment plan of {$740.00}. I have tried everything to resolve this with them about them not applying my recent payments to my balance, when I have my checks that have cleared the bank.
Consumer complaint received 2023-10-19
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. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXXpen optionsAccount # XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXXXXXX XXXX XXXX.Open optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX options Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX  XXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was trying to buy a washer and dryer at XXXX XXXX XXXX Arizona XX/XX/2018. When they ran my credit they said they could not finish because I had a lock on my account and it was Experian that was holding my credit due to a lock for 6 months which I did not authorize.Reference number is XXXX. They said call Experian so an automated service came on and could not understand that I was calling to remove any lock on my credit and after calling 3 times I had to leave the purchase until this was cleared up.This is the second time that Experian has caused me trouble. At this point lawyers are processing another failure of wrong information on my account from 5 years ago. How is it that you can not reach a human being when this automated service then said it was notifying other agencies to put a 6 month freeze on my account.This is an unfair system that only harms people with good scores.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Our previous mortgage loan was with Mr Cooper. We got a letter in XXXX stating they sold our loan to XXXX XXXX. We usually made payment to XXXX XXXX who would pay Mr. Cooper. Mr Cooper received that payment onXX/XX/XXXX and they claim it was Wire Transferred as a bulk payment to XXXX XXXX but do n't have any electronic record to show. XXXX XXXX continues to tell us they have n't received the payment. We have spend numerous hours trying to get this resolved but not able to get anywhere. A I can provide proof that money was transferred from our XXXX XXXX account XXXX XXXX and from XXXX XXXX to Mr. Cooper. 

Regards, XXXX XXXX
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number 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 an account without my written instructions
Consumer complaint received 2024-03-14
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. (WI)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.