davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions.

Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION!

ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT!

YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (MI)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

The purpose of this is to express my extreme dissatisfaction with Chase 's claims and customer service department. On XX/XX/XXXX I was fooled into sending {$400.00} through XXXX to an unknown individual in exchange for football tickets. It ended being a scam and even after contacting the claims department within 30 minutes of sending the money it could not be canceled/reversed. I found out that transactions done through XXXX are legitimate and are not covered by Chase. I have contacted them by phone several times and each time same answer there's nothing they can do. I was also told by a supervisor in the claims department that the steps taken by CHASE to look into my claim could not be discussed. I have been a customer for nearly 15 years, I have grown my account by adding two credit cards and a mortgage, in addition to having a premier checking and savings account with over {$50000.00} and there is nothing they can do for such a customer? This is my first time ever submitting a claim and it's extremely aggravating that they can not back me up this one time. Now they're saying they can not do anything because the case is closed ( it's only been a month since it happened. )
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

XX/XX/21 I am having trouble receiving my escrow refund from Specialize Loan Servicing after refinancing my mortgage loan with them. My mortgage loan with Specialized Loan Servicing was paid off in full on XX/XX/21. I am due an escrow refund of {$6500.00} which I have not received. I was told by the escrow department of SLS that a check for this amount was mailed out on XX/XX/21. The check to this day has never arrived. My mailing address has not changed and has been verified. I was told that all they could do is stop payment on the first check and reissue a second check. The second check was apparently mailed out on XX/XX/21. To this day I have not received the second check! I called the escrow department again today and was told all they could do is issue another check which will take a week to mail out. I live in XXXX, XXXX XXXX'm told the check is being mailed from XXXX  The fact that I have not received either check after 2 months makes me question whether they are indeed mailing out these checks! Please look into this matter. I'm very concerned that I will never see my refund. Thank you. 

XXXX XXXX
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC sent me a letter stating that I owed them {$5300.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me. The letter they sent was dated XX/XX/2018. 

I also received a letter from the same Portfolio Recovery Associates, LLC dated XX/XX/2018. In this letter the company stated that I owed them {$1800.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me.
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

A women named XXXX XXXX friended me on XXXX, sent me a message and we began chatting. Here account link is XXXX XXXX XXXX XXXX XXXX She asked to chat on XXXX and gave me her number and I gave her mine. Here number is : XXXX XXXX XXXX. She first messaged me on XX/XX/2021 and said she lived in XXXX and New York. 
After two weeks of chatting on XX/XX/2021 she brought up the subject of crypto currency and investing in mining in ETH crypto mining in my Coinbase Wallet. She said that it is a safe investment with good returns and she could show me how to do it. She said I could start out with {$1000.00} and would be making {$5.00} dollars per day mining ETH crypto currency and the more USDT crypto currency I had in my Coinbase Wallet the higher my returns. She also said that the mining platform is a part of Coinbase which is safe and secure. 
She instructed me how to set up the platform in my Coinbase Wallet and I added {$1000.00} dollars. I began to see the returns that she promised. She began to message me every day telling me I should add more funds and I am missing out on great returns. By XX/XX/2021 my total funds invested were {$37000.00}. Later that day the total amount of funds was withdrawn from my account without my permission. I messaged her to ask why this happened and she said I would have to deposit funds totaling {$150000.00} to withdraw the original funds which I did not do. I reported this to Coinbase and they said that my Coinbase Wallet was compromised and there is nothing that they can do. 
After researching this I found out it is a scam out of XXXX called XXXX XXXX  run by the XXXX XXXX or XXXX and that many people have had hundreds of millions of dollars stolen. What is worse I recommended this crypto mining scan to two friends who lost {$32000.00} and {$52000.00} from what I thought was a secure investment. 
The crypto mining websites I was using were : XXXX, XXXX & XXXX all of which are registered in XXXX XXXX XXXX Coinbase has done nothing to help me recover these stolen funds.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I started a dispute with Equifax on XX/XX/2021 for the XXXX XXXX  that is on my credit and any remaining accounts that were included in the XXXX. At first I was not getting any responses from Equifax so I sent another dispute on XX/XX/2021 and XX/XX/2021. For the disputes I sent on XX/XX/2021 I finally got a mailed response from Equifax but it was false! They claimed that they verified my XXXX  with XXXX XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the XXXX because it's frozen!
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (TX)

I just contacted Experian about these XXXX creditors that have added an unauthorized credit inquiry on my credit file. They did not comply with my request and i am requesting the deletion of these XXXX inquiries. I have contacted these XXXX creditors and they have nothing on file for me. 

XXXX XXXX XX/XX/2021 XXXX Credit/Griffith XX/XX/2021
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (IL)

XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Friday XXXX XXXX I had called CapitalOne requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called CapitalOne once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from CapitalOne. I called CapitalOne today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

The incident occurred on XX/XX/2018. 
I had applied for a loan and got scammed. 
There was an advanced amount of ( {$970.00} ) by a check, I was told to purchase gift cards with the amount. Knowing this was a fraud situation I proceed to the police department and set up a complaint.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-04-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf,  which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.
Consumer complaint received 2022-06-12
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: TOYOTA MOTOR CREDIT CORPORATION (MS)

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit care account under an open end consumer credit plan as late for only purpose.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Through Trans Union I have had the same amount on my credit report for over two years. I am trying to find out why it hasnt been changed to a higher number. XXXX and other are at a lot higher rate,
Consumer complaint received 2022-05-03
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: Millco Management (NC)

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc (TN)

I XXXX XXXX am a XXXX XXXX XXXX retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as XXXX XXXX XXXX. The letter also claims that the original creditor was XXXX XXXX XXXX XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!
Consumer complaint received 2021-12-06
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. (TX)

XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ballybunion Enterprises, Inc (CA)

I paid off my Freedom credit accounts back in XXXX and it is still on my credit report. I called asked speak to a supervisor on Monday XXXX at XXXX XXXX.The rep says she can not locate my accounts she was very XXXX and had XXXX XXXX I filed paperwork for small claims court because I made over XXXX attempts to get this resolved. Also a account was opened in XXXX when I was already out the military this is not mine.
Consumer complaint received 2020-01-29
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)

To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, Experian, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!