davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-06
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. (MD)

THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
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: JPMORGAN CHASE & CO. (NY)

I live in XXXX, one of the epicenters of coronavirus infection. Unable to go out I ordered groceries to be delivered. Chase Bank locked my card for fraud. ( This was XXXX XXXX  Saturday XX/XX/XXXX ) Obviously this was because the fraud detection algorithm has not been updated to reflect that peoples buying habits have vastly and suddenly changed worldwide. 
I called every customer service number they have. All have an identical message : due to coronavirus we have reduced our hours and are closed. I tried the website but the secure message center said it will take a week for a reply. I tried XXXX but all they do is tell you to call ; they will NOT say when the phones will open again. 
It is surreal, like the banking system is failing. Its not just me. There are desperate, hungry people messaging them on XXXX. Monday some lines opened but people spent up to 2 hours on hold then the calls dropped ( they posted screenshots of the phone call lengths ). 
Some people locked out of accounts are having rent checks bounce. It had taken me almost a week to get a grocery delivery slot & I was frantic. Thank god I have a good friend who stepped in and ordered my groceries on his own card this morning. 

I am unable to buy anything, and I can only use a card ( I have just one ) because were all inside. I contacted the XXXX XXXX and the XXXX XXXX and now am contacting you. I know a lot of terrible things are happening but we shouldnt also be unable to buy food.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF THE WEST (TX)

I took out a loan on XX/XX/XXXX for the amount of $ XXXX on a RV we needed, at a rate of 6.75 %. Today, XX/XX/XXXX, we still owe $ XXXX, after making monthly payments of {$360.00}. Looking back at the monthly payments, it was sporadically designed at $ XXXX {$130.00} to the principle and over {$220.00} as interest payments. There is no online option to better selected the principle down as opposed to the interest. After 3 years of timely payments, at still owning roughly the same amount of the original loan is disturbing.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX my newly refinanced loan was sold to Shellpoint Mortgage for servicing rights. Since that time i have made monthly payments in accordance with note each month. I am current and plan to continue to pay as agreed. Per my monthly statement, the monthly payment is {$8700.00} and includes the following ; - {$6700.00} ( Morgage ) - {$1600.00} ( Tax Escrow ) - {$280.00} ( Insurance Escrow It should be noted that although this loan was sold to Shellpoint with taxes and insurance paid to current status, Shellpoint has not been paying my property taxes to my local taxing authority on time. They have clearly made an error but will not admit and/or rectify their wrongdoing. Shellpoint 's mishaps has lead to late fees and interest charges that appear on my account. I have demanded several times ( most recently on XX/XX/XXXX ) in writing and by phone for them to allow me to pay my taxes directly and avoid late fee interest charges. I will not pay for mistakes that i am not responsible for. I have not missed a payment since they have acquired my loan. 

My request is simple. I would like to have the escrow requirement waived so that I can pay my taxes directly as I can not trust that Shellpoint will ever handle my taxes correctly. I am asking CFPB to take action immediately. I have been asking since XXXX of XXXX.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First National Collection Bureau, Inc. (TX)

On XX/XX/2020, in the amount of {$1500.00} to First National Collections Bureau. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to XXXX XXXX. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/XXXX. The account has been reporting since XX/XX/XXXX and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from Capital One after the accounting billing was corrected and paid. Capitol One refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to Capitol One for the lack of current billing and account information provided by Capital One and they should have made the correction to remove the negative record last XXXX and they still have not done so.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

THE XXXX  XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX XXXX  IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

I had an auto loan with Wells Fargo and when I paid it off, they auto charged my account after the balance was paid in full. They also did not release the title to me in a timely fashion holding up the sale of my car.
Consumer complaint received 2023-01-20
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

On XX/XX/2020 I opened a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ) with First Citizens Bank. On XX/XX/2020 I received an email stating XXXX additional accounts were opened and ready to use. XXXX was a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). First Citizens Bank fraudulently opened this second set of accounts under my name. After informing the bank of this fraud, a Customer Support Specialist by the name of XXXX stated : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that a total of XXXX accounts were opened in the month of XXXX. The accounts that you noted, were opened two days prior to the other checking ( XXXX ) and savings account ( XXXX ). First Citizens Bank does not open accounts without a direct request from our customers. For security purposes, we require a signed letter to close an account. If you are unable to close your account at the branch, you can call us directly at the number below to close your account by email. You can also close your account by submitting your request in writing to the following address : First Citizens Bank Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Please enclose your account number, your signature, and instructions on where to send any remaining funds, as well as a good daytime phone number should we have any questions. You XXXX also fax your request to XXXX. If you are closing your account within XXXX months of opening a checking or savings account with us, you are subject to an early close out fee of XXXX  

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. '' I am attaching the emails confirming the dates I stated which contradict the Customer Support Specialist 's claims. First Citizens Bank is refusing to close the fraudulent accounts they opened unless I pay XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18. U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-04-06
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. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-05-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC. (PA)

We were approved and ready to go on XX/XX/XXXX ( see below ) way before COVID-19, We closed on the loan on XX/XX/XXXX. Our check cleared our account on XX/XX/XXXX. XXXX was not called about his employment until XX/XX/XXXX a week later. XXXX was notified on XX/XX/XXXX ( see email below ) as well that you could not get his employment verification so XXXX spent countless days trying to get his employer to send verification. Everyone at your company was aware of this. We were told on Friday if we received the letter of employment we would be good to go on Monday. Now you tell me almost 3 weeks later that we can not fund the loan because of my credit score. We applied for the loan way before Covid-19 was an issue. XXXX, you told me today the loan was funded and then unfunded the loan because you could not get employment verification after we sent numerous emails stating we were trying to get it. We have followed through with our end of the deal. It appears to me that someone dropped the ball between XX/XX/XXXX and XX/XX/XXXX which at this point did not allow us the opportunity to cancel the loan. Meanwhile we were told there would be no closing costs and then turned out there was {$4100.00} in closing costs which caused us to have to use our line of credit and thus XXXX 's credit score went down.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove it.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized PEOPLE FACTS Date of inquiry : XX/XX/2020 XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

I have already been issued a complaint number, XXXX XXXX. The details that you are asking for above have already been provided. I am attempting to add police reports and video evidence to my complaint. I am hoping that this document will allow me to provide this evidence as proof of the crime theft, and credit card fraud was committed against me.
Consumer complaint received 2022-02-13
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: Bread Financial Holdings, Inc. (NJ)

While checking my personal credit report I noticed an inquiry made by COMENITY BANK/ XXXX XXXX XXXX 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed auhtorization that gave them them the right to view my credit.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Reached out to XXXX XXXX XXXX and Eastern Account System about a {$570.00} PAID collection they keep putting on my XXXX  credit report. This information is false and this XXXX related was paid over 2 years ago, with proof of cashier check from XXXX XXXX XXXX XXXX Bank. I have attempted to multiple times to get this removed. It is currently hurting me in closing on my house, I need immediate action taken on this false collection. I want someone to reach out to me immediately to get this removed or resolved.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (CA)

XX/XX/2020 i recieced a Brinks Money, Mastercard with my name on it in the mail. I never applied for this. I called to ask if this was the prepaid card i was supposed to recieve for my recent XXXX, XXXX Benifits, and I could not reach a customer service person. I dont know why I have recieved this and I cant reach anyone at the company.