davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-31
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-12
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: DISCOVER BANK (MI)

My discover account was paid off, payments were made but it is still reported that there were late payments. I'm asking for this to be corrected. I attempted to speak to discover regarding this and they neglected to work with me on any months that payments were received. I also tried to satisfy the payment with this creditor prior to it going to a debt collector and discover was unwilling to do so. Due to the covid pandemic and lack of employment I was unable to satisfy this immediately.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-23
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. (TX)

date opened : XXXX XXXX Amount {$1000.00} n 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 a account without my written instructions
Consumer complaint received 2022-07-23
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, 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 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 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. 

Please delete from credit report immediately.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is now 2022 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! I have a copy of my reports but I dont know what to do with the information. 

I have done everything to try and clear my XXXX XXXX XXXX, reached out to all of the banks and they say my name is cleared yet I am STILL Unable to open up a bank account with anyone!
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with Experian on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2020-06-05
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. (NY)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (PA)

Our XXXX year-old son applied for a Marcus online savings account. He was denied. I recommended he call them to see why. Apparently, Marcus told my son they did not know why he was denied. After reading the CFPB website information this morning ( XXXX ), I called Marcus ( with whom I have an account ) and asked if their practice was to provide to someone denied an account the name of the third-party reporting agency Marcus used that resulted in the denied application. The Marcus supervisor told me that, for security reasons, they can not provide the third-party reporting agency to said person. I asked the supervisor how someone could remedy the situation if they can not contact the third-party reporting agency to verify report information. The supervisor could not help me. So, my question is, " Does Marcus by Goldman Sachs provide third-party reporting agency information to individuals denied an online savings account? '' Thank you so much.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was approached by a person named XXXX XXXX on XXXX XXXX. She said she was from a recruiting company called XXXX XXXX XXXX. She said I will be contacted by someone on XXXX for a part-time work. 

I was then approached by a woman called XXXX for some part-time work for which they would pay me in XXXX XXXX. 
The work consisted of logging into a web application [ XXXX XXXX XXXX ] and depositing some initial amount {$110.00} minimum. 
The app would then display images of some mobile apps. I need to click on these images. One image click was called a task. 
The initial deposit was the cost of these tasks. 
For each click I would be paid a commission of 0.5 %. 
There were XXXX such tasks to complete in a day. 
Higher the initial deposit greater the cost of a task and greater the commission. 
Now and then there would be a combo task whose cost was greater than initial deposit and would cause my deposit amount to become negative. 
To continue further I needed to deposit an amount equal to the negative amount. 

For the first 4 days, they kept paying me as if everything was real. 
On the XXXX day, I committed a higher amount as initial deposit. That's the day when they kept making my balance negative. 
And towards the end, my negative balance stood at XXXX XXXX. The scammer said that I can't withdraw my initial deposit unless the negative balance was cleared. 
That's when I started searching online if I would ever get my money back. I read an article on Redditt about a similar scam and that's when I realized I had been scammed. 

I reported this scam to XXXX FBI. 

I complained to JP Morgan Chase bank regarding this scam, the details of which are attached in a letter.
Consumer complaint received 2022-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was approved for repayment plan dated XX/XX/XXXX. 
After I completed my repayment plan XXXX, they said my unpaid balance {$17000.00} is due on XX/XX/XXXX. I ask why because the letter said " Payments made under this plan will be applied to amounts due and past due on your account as necessary to bring your account contractually current. " ( please see attached letter ). 
When I call them, only they can do is give me 6 more month of forbearance program. 
Which currently I am on.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/2021, On my way to work I stopped to get gas. In doing this I opened my account at about XXXX hours XXXX. I noticed that there was a newly opened checking account that I did not approve or have knowledge of. At XXXX hours, I called Wells Fargo banking and spoke to a " banker ''. I explained the issue and she seemed diconcered with the idea that I thought there was fraud. I asked her how this could have happened and she stated that anyone can just open an account online. I found that strange and asked what they would need for that and she said my name and address. I asked her what address was on the account and she in turn asked me what my address was. I gave her my address and she said OK. I asked her to close this account out and I wanted to ensure that my money that I had in the bank was safe. She assured me that the money inside my account would be safe and that they would transfer this out to the " fraud Department '' who would contact me and that the account would be closed out, that it could take up to 48 hours however it was locked. On XX/XX/2021 I found the account was still active and I was still getting alerts on the account for the balance. I then found that there was a second address that was attached to my account. A address that I don't live at and have not associated with for over 9 years. This address was never placed in my name or have any sort of mail or bill delivered to this address. It was a friends address that I stayed with for a month or so prior to him moving out of state. I contacted my mother who is a retired Vice President of Compliance of a banking institute and currently works as a complaint officer. She explained how serious this matter can be. I am at a loss of why Wells Fargo has not taken more action and why there were indifferent yet sure that my money in the bank with attached accounts was safe. I also wonder why after 5 days of brining this to their attention the account is still open and accessible. I have pulled all credit scores and am investigating further however I don't understand how they have let it get this far and not done anything. With their track record I was not sure if this was one of their scams to increase " open accounts ''.
Consumer complaint received 2020-07-31
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. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Outsource Group, Inc. (MO)

XXXX XXXX XXXX outsourced debt to a collection agency ( Delta Outsource Group ). I contacted the agency that they referred me to. The agent said they have not had the debt in over a year. I contacted XX/XX/XXXX XXXX XXXX again and they told me there is nothing that they can do because they don't own the debt. I would like to resolve this debt as quickly as possible. Emails and phone calls were made on XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (IN)

My mortgage was sold off to M & T Bank for servicing and in XXXX XXXX I received a phone call saying my mortgage payment was delinquent. I explained to them my mortgage began in XX/XX/XXXX and it comes directly out of my checking account. M & T stated that my mortgage payment was {$50.00} too short. I explained to them to take it out of my checking account since my mortgage payment has always been set up as a direct withdrawal out of my checking account since XXXX. They said my property tax had gone up, so it was {$50.00} more ( per month/payment ). After a long discussion with someone in the Servicing Department, they advised that I need to sign a form to have the additional amount taken out each month, so I told them to send me the form and they agreed. Nothing was sent so I kept calling them and they would tell me they would send the form. This went on for months and they kept calling telling me my payment was delinquent. I have tried for months to get them to rectify this to no avail. Now they are telling me my mortgage is in default and threatening foreclosure. It is impossible to reach anyone in their corporate office and the only personnel I can reach are the mortgage servicing people who don't seem to get it. I have called seven ( 7 ) New York M & T Branches around XXXX NY and talked to them for help. Each one said they were immediately emailing the corporate office and would have someone call me ASAP. For 6 months NO ONE has called except the Mortgage Servicing people harassing me so I finally told them I would no longer speak to the mortgage servicing department due to their ineptness and that I was requesting a phone call from Corporate to resolve the issue. They refused and to this day I am now being threatened with foreclosure even though my mortgage payment has ALWAYS been taken directly out of my checking since XXXX. I am desperate. I can not get a resolve and they won't take the correct amount out of my checking each month and yet they claim it is my fault. PLEASE HELP! I feel like all they must do is to ignore fixing the problem and then one day just foreclose on my home and leave me homeless. This has become a nightmare.
Consumer complaint received 2022-07-23
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.