davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (AZ)

Best Egg is attempting to collect an alleged debt in which they have not provided proper proof of my obligation to the alleged debt pursuant to 15 USC 1692g. I am requesting that Best Egg cease and desist all communications in regards to the alleged debt pursuant to 15 USC 1692c ( c ).
Consumer complaint received 2023-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Was checking my XXXX  report on my XXXX XXXX saw there was a credit report ran on XX/XX/2022 description as Cap1/saks I didnt run my credit in a very long time just want this off my report/ this wasnt me that ran this.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (TX)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2021, I did an International wire transfer of {$4000.00} USD through my chase bank account to an Individual name XXXX  XXXX XXXX, who resides at XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX and phone number is XXXX. XXXX has my {$4000.00} USD and refused to return it. He claims to be a business person selling cars and registered with the XXXX dealing with such activity and yet i have not received the car nor my money. I've tried to reach his business and no success. I contacted CHASE BANK to assist but no vain ACCT NUMBER XXXX TRANSIT NUMBER XXXX INSTITUTION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I believe I'm being XXXX XXXX  against. I applied for a cash out refinance with Better on XX/XX/2021 and again on XX/XX/XXXX, XXXX I felt the XX/XX/XXXX decision was a mistake. They had the best rate and fees at the time. All the other companies I applied to approved me but I felt their fees were excessive. 
Today I decided to look into refinancing again and Better had the best rate at 2.5. The reason they gave for denying me in XXXX XXXX my XXXX was to high. I looked up the requirements and it says their acceptable XXXX was 50 %. My XXXX is much lower as I pay all debts in full every month since the XXXX. 
Following are their stated requirements : " Minimum borrower requirements Better.com adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises ( GSEs ) XXXX XXXX and XXXX XXXX XXXX 

For conventional loans, key requirements include good credit ( typically a XXXX score of XXXX or higher ) and minimum down payment of XXXX percent. However, anything less than XXXX percent down will trigger the private mortgage insurance ( PMI ) requirement. 

Borrowers must also have a debt-to-income ratio ( DTI ) of no more than 50 percent. '' My FICO SCORE at the time and still is XXXX. The value of my property is $ XXXX, I was requesting a 30yr. Loan for {$250000.00}.
Consumer complaint received 2021-12-17
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. (NY)

I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of my credit report!
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 2 withdrawals for a total of {$510.00} my debit card from a transaction listed as XXXX. I immediately notified my bank and had the debit card closed. I submitted the claim that these were not my charges and to refund my account. Chase sent request to confirm transactions to XXXX. Chase received documents that showed an order made on my debit card had my name and address. Tracking numbers were provided for the order so chase denied my claim. After contacting XXXX directly using those tracking numbers I was told the packages were sent from XXXX and did not have my name and address on the labels. After obtaining my full debit card number I was able to call XXXX  and find pull the exact transaction, this transaction did not occur in my XXXXXXXX account. They found an account opened in my name with my information that was not mine. They closed the account and told me they could not do any investigation because I already submitted the claim through chase. After 11 hours of calling back and forth chase will not continue any investigation and would not accept the verbal confirmation of identity theft. After I received the copies of documents originally sent to chase showing the transaction ID from XXXX ; I contacted XXXX directly. They found another fraudulent account opened in my name with my information. It is obvious that this person used all of my information including my debit card with out my permission. I can not obtain any supporting documents from XXXX or XXXX because these fraud " accounts '' are not in my name. Chase refuses to contact the companies directly. I have started a police report to obtain the documents from XXXX and XXXX to prove that identity theft and require chase to reinvestigate the claim. Chase fraud department did not properly investigate my claim, if they would either contact XXXX, XXXX or XXXX directly they would be provided countless documents supporting these charges were not mine. When they initially contacted XXXX  they did not give the entire debit card number and went only by the transaction that occurred on my account therefore were provided inaccurate information which they based their decision on. I spoke to over 4 managers and spent easily 9 hours on the phone with chase who is refusing to support their customer for over 17 years. I do not recommend chase and I will no longer do any business with this bank.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, XXXX XXXX illegally ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report. 



On XX/XX/XXXX, XXXX XXXX XXXX illegally ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report.
Consumer complaint received 2022-02-04
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 


XXXX XXXXXXXX XXXX XXXX  keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MD)

I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
Consumer complaint received 2023-01-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2023-12-02
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. (TX)

FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  being out of work in XX/XX/XXXX and only drawing two weeks of unemployment that wasnt even close enough to pay bills after XXXX struck my entire family. I feel behind on our home mortgage. The mortgage company has not been very helpful. I have been sending payments in as I can to not get further behind, not sure if there is deferments or not. I wasnt aware that things was so out of hand until, I check the Mail to only find a payment I had sent returned. Sad part about it is I had paid another that same morning that will soon be returned as well. The gentleman who has taken the account over has avoided our calls by all means, if you tell him thanks when hanging up, he says yep.. He talked down on me asking about my job when I had covid and my family had it. Guess he thought my job paid me, well they didnt but I guess thats hard for him to believe. He is real arrogant and just a smart butt and left us not knowing what we owed, no paperwork sent telling us and we are told hes the only person you can talk too! I spoke with him on XX/XX/22 briefly before disconnecting the call on him because of his uncalled for remarks after he more less told me he had tried calling but phone was disconnected and just excuses because he hadnt called. I have proof of my phone not being disconnected. He pretty much through a # at me about whats owed and didnt even offer to break down the charges. I know that I dont owe that kind of amount for just the mortgage. The mortgage is only in this collection department but isnt originally financed through them but when contacting the originally lender, they wont tell you anything due to it being in legal. I mean does someone not need to send a certified letter or something to notify the borrower about all this. The collection advisor even smarted off and more less said to me before I disconnected the call, that normally they dont even return your call and made remark more less saying I was lucky he called me I had been calling for days. Another thing these companies dont understand is they need to leave me a voicemail. My job doesnt allow use of phones during work. I work a dangerous job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I drive 1hour 45 minutes each way to work. I leave home at XXXXam to go to work by XXXX am.. & get home at XXXXpm. These people arent even in office at that time. By no means do I avoid anyone but I have a job and its not sitting at a desk to where I have phone access at anytime.
Consumer complaint received 2021-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is my XXXX complaint about Bank of America. This is a copy of my last complaint : " This is my XXXX complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year ''. 

A representative called me and said she would get back with me in 30 days. I have not heard anything. I pay an escrow on my primary mortgage. BOA wants me to pay XXXX escrows. I am redoing this complaint just to have a record. This has been an absolute nightmare. I am enclosing a statement from my primary mortgage to prove that I pay escrow. 

That response looks like it was copied and pasted. It has nothing to do with my complaint. This IS UNNECESSARY STRESS AND I NEED TO BE COMPENSATED. I am also sending a copy to BOA executive offices to put them on notice.
Consumer complaint received 2024-02-22
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: Open Dealer Exchange, LLC (CA)

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, XXXX of which is XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.
Consumer complaint received 2018-10-02
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. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX