davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (WI)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-10-26
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. (SC)

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

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven 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 2024-05-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NE)

Dear CFPB, I am writing to file a complaint against American Express regarding the denial of my credit card application. I applied for an American Express credit card on XX/XX/year>, and my application was subsequently denied. However, I was not provided with a clear or specific reason for this denial. 

According to the Equal Credit Opportunity Act ( ECOA ), I understand that I am entitled to receive a notice detailing the specific reasons for the denial of my credit application. Unfortunately, the communication from American Express lacked this necessary information, leaving me without an understanding of why my application was rejected. 

I have reviewed my credit report and found no significant issues that would justify the denial. Furthermore, I attempted to contact American Express customer service to gain more insight, but I was unable to obtain a satisfactory explanation. 

I am requesting the CFPB 's assistance in resolving this matter. I would like American Express to provide a clear and specific reason for the denial of my credit card application, as required by law. Additionally, if the denial was based on incorrect or incomplete information, I would like the opportunity to correct any inaccuracies and have my application reconsidered. 

Enclosed with this letter, I am providing copies of the correspondence I received from American Express and a copy of my credit report for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-03-11
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-03-20
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. (CO)

In accordance with the Fair Credit Reporting act XXXX, Account # 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 and also the creditors reported inaccurate financial information about me.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX sent new report ( attached file ) -credit limit XXXX increased to three credit bureau . Credit bureaus need to update based on XXXX XXXX  document I attached.
Consumer complaint received 2022-03-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-20
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BSI Financial Holdings, Inc. (UT)

First Im a XXXX XXXX XXXXXXXX veteran and BSI Financial services purchased our VA mortgage. 
After checking BSI has NOT updated our mortgage information on all three bureaus thus dropping our credit score drastically.

Unfortunately we can not afford to change lenders at this time after we were forced into using BSI financial services due to interest rates have increased beyond our financial capacity.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, approximately around XXXX XXXX, I was talking to the doctor at work over the phone when all of a sudden, line got disconnected, I have no signal at all. I was under a family plan through XXXX but when I asked my mom, my dad and my brother, all their phones were working except mine. My brother called XXXX to let them know the situation. After about 40 mins, my connection came back and I was able to continue using my phone. Around XXXX XXXX  when my brother asked me to send him money through XXXX however I could not access my Citi mobile app at that time, for some reasons, it's not accepting my password. Around XXXXXXXX XXXX, I received an email from Citibank stated that a wire transfer was completed amounting to XXXX usd. I reported this to Citibank immediately the next day and I reported this to the police. As I continue to review/check my phone, theres also a charge in my XXXX credit card amounting to XXXX usd. I also found out that theres XXXX usd charge in my account that was sent to someone named XXXX XXXX whos also a Citibank client. Citibank kept on closing the case for XXXX charge in my account via XXXX without reaching out to me or even asking me for additional information that they need from me.
Consumer complaint received 2022-08-30
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. (MO)

Upon reviewing my reports, the incorrect accounts was still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i. The following accounts listed below are still reporting on my Credit Reports and need to be corrected in my file immediately : XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MT)

I applied for an offer that was mailed to me, but the terms I was approved for would not benefit me. Instead of giving me the option to accept or decline their offer, Citibank automatically accepted the terms for me and created a new account. Since part of my credit score is based on average age of credit, the new account dilutes the average age which will negatively affect my score... And I never accepted the credit offer. Companies should NOT be allowed to accept credit before I ever have a chance to review the terms
Consumer complaint received 2023-09-25
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. (LA)

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 2022-03-20
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. (AL)

I have been battling Experian for months regarding an obvious error on my report that they simply reply to as " Verified ''. They are reporting that I have two auto loans with XXXX XXXX  which is false. There are even two separate account numbers for each of the alleged accounts. Pursuant to 15 USC 1681 s-2 ( a ) Furnishers have the responsibility to provide accurate information. They have been made aware of this error and yet continue to report false information.
Consumer complaint received 2022-03-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Our home was built in 2020 and we took possession in XXXX of that year. Shortly after this Freedom Mortgage purchased our mortgage. We were with Freedom for about 4 months when they contacted me and said a refinance was available to a lower rate. We started the process for the refinance and the monthly payment was significantly lower that what we were paying at the time so we went with it. My assumption, not knowing much about it and honestly, not reading all the paper work was the interest rate reduction coupled with what we had already paid the principal amount down to had lowered our payment that much. 

What I didn't realize is that Freedom had estimated our annual taxes for escrow to be {$1200.00} dollars for the entire year. This was the main reason our payment had dropped so much. There isn't a house in our county that is the size ours is that pays anywhere near {$1200.00} a year in property taxes. Our actual property taxes that we owe annually is generally between XXXX dollars. This gross underestimate on the part of Freedom resulted in our owing now close to 10,000 dollars in escrow fees to bring us back up to date in our escrow account.

Now admittedly, I understand that I should have asked more questions or read the fine print in all of those mortgage papers and there may not be anything you can do for my situation, but my concern is this is a common practice with Freedom or other mortgage companies. My concern is they are grossly underestimating the taxes in hopes that the buyer or refinance customer will not read all of the fine print and take the bait so to speak all in an effort to make a sale or refinance. The way that they estimated so grossly incorrect on our annual taxes is what makes me suspicious. 

I contacted the company to see what could be done and they said not much. They were willing to spread out the back escrow amount over 48 months so I am taking that option but nothing else could be done according to them. Thank you for your time and any help in this situation.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have told Credit Acceptance since XXXX of XXXX  when COVID-19 first hit America and i was on XXXX XXXX  that my identity was stolen, like the trillions of money stolen from who knows how many American VICTIMS of our GOVERNMENT UNEMPLOYMENT BENEFITS STOLEN AND HIJACKED FROM US! I have a XXXX XXXX & am trying to get on XXXX b/c I am not suppose to work anymore. I have since COVID-19 have had to get on 4 different XXXX XXXX now & have severe XXXX XXXX! CREDIT ACCEPTANCE, although, I have SOLD EVERYTHING I HAD TO PAY THEM, USED ALL MY SAVINGS TO SURVIVE SINCE NOT BEING PAID UNEMPOYMENT, AND NOBODY CARES!!!! IT'S NOT THE NEWS! THE GOVERNMENT & CREDIT ACCEPTANCE KNOWS THERE ARE VICTIMS LIKE ME! WHO HAVE NOT BEEN ABLE TO PAY ANY BILLS ON TIME! THE HARRASSMENT NEEDS TO STOP!!! THEY CALLED ME FRIDAY, I ANSWERED, YES I JUST GOT A JOB!!!! I'M NOT EVEN SUPPOSE TO WORK!!! MEDICALLY I CAN DIE ANY MOMENT! THEY CALLED ME SATURDAY ALL DAY, THEY CALLED ME TODAY, SUNDAY 7 TIMES!!!!!!!!! I JUST STARTED WORKING AND THEY KNOW I AM A FRAUD VICTIM & HAVE MEDICAL SERIOUS ISSUES!!!!! IF I DIE BECAUSE OF THIS I WANT EVERYONE TO KNOW THEY ARE THE CAUSE OF MY XXXX  & STRESSS!!!!!!!!!!!!!!!!!!!!! READ YOUR NOTES!! GIVE ME MY {$18000.00} STOLEN FROM ME FROM UNEMPLOYMENT GOVERNMENT AND I CAN PAY MY BILLS ON TIME!!!!!!!! XXXX OFF!!!!!
Consumer complaint received 2022-03-20
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. (CO)

In accordance with the Fair Credit Reporting act XXXX, Account # 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 and also the creditors reported inaccurate financial information about me.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

I was scammed by a company out of the USA.

I disputed the charge with American Express and the did NOT properly investigate the fraud.

American Express actually is frauding me the consumer! Attached evidence will prove the fact that American Express did not actually investigate anything they are OK with taking money from XXXX veterans. American Express should change their name because theyre XXXX
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I had a Coinbase account that was compromised beyond my control. My account was inaccessible on or about XX/XX/XXXX and allegedly hacked on XX/XX/XXXX XXXX XXXX pst. My devices and accounts show no sign of being tampered with. My phone carrier checked my device and confirmed that the Sim card was never ported to a new device. My email has been protected with XXXXXXXX XXXX  Account XXXX since XX/XX/XXXX according to my activity log and shows no suspicious 3rd party activity. Furthermore My email account was blocking all messages from Coinbase so it would of never received a " hyperlink '' to make any changes with my Coinbase account.

When my Coinbase was recovered it shows that I lost approximately XXXX Shib Inu coin.
Consumer complaint received 2024-02-15
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 equifax is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give experien written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies XXXX XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX XXXX
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

EXPERIAN is reporting inaccurate information on my consumer report in regards to XXXX. According to the FCRA if the information being reported isn't 100 % accurate then it must permanently be removed from my consumer report. Pursuant 15 USC 1681e ( b ) it is the responsibility of EXPERIAN to report completly accurate information on my consumer report. If the information is disputed by the consumer is proven to be inaccurate then the account must be removed immediately. XXXX is reporting it as a charge off and EXPERIAN is reporting it as a collection account. This is not consistent and accurate reporting, therefore EXPERIAN is breaking the law by reporting the account on my consumer report.
Consumer complaint received 2022-08-30
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)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}