davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: ALLY FINANCIAL INC. (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any of these inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NY)

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on Equifax. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute on their website on XX/XX/21 for my bankruptcy that got discharged but was still showing as open on my credit report. I got an email on XX/XX/21 saying that the information on my credit report was accurate, when I know for a fact that it is not. I called the company and they said they called and confirmed with the bankruptcy, and that it is still showing as active. They gave me the number and I called and recorded the information that said it was in fact discharged. At this point I don't know what else to do, I just want this showing correctly on my credit report.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (SC)

I opened my account with Coinbase back in XX/XX/XXXX and purchased a Bitcoin and then I had my email that I was using at the time shutdown due to not having service with them anymore. After lots of years trying to reopen my email account I was finally able to gain access to it. I was able to reset my Coinbase password and gain access to my account and my Bitcoin was in my account. I tried to sell my coin and the site said that my account was restricted to buy and sell. I uploaded all the required varication on XX/XX/XXXX. I received email XX/XX/XXXX stating that my ID uploads were summited successfully and it would take 48-72 hours but sometime longer. Tomorrow it will be one month this is under review. I have done nothing wrong or suspicious. I have lived at the same address since I have bought the coin I have the same phone number same email and the same bank account that I purchased it with back in XXXX. Verifying my information should be quick and easy. I know that Crypto Currency is not main stream but we are not dealing with a small amount of money. I have as of today over {$57000.00} locked out that I can not sell or manage. If XXXX XXXX or XXXX XXXX did this same thing it would not be accepted. I do not know much about Coinbase as a company but I do know that they are about to have an IPO for {$100.00} XXXX evaluation soon. The company does not have any phone tech support that is hard to believe the email tech support would not be able to unlock an account for a month. I have researched lots online and the XXXX and XXXX groups are flooded with similar experiences. I am sure some of them are individuals that are trying the fraud Coinbase or launder money or something but this is not my case. Maybe they are just trying to protect my money which I appreciate but a month is a long time to verify something.
Consumer complaint received 2022-07-06
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: CITIBANK, N.A. (FL)

I took a cruise that was paid with a Best Buy Credit Card. My daughter, a minor XXXX XXXX XXXX, was not able to board because she had a positive XXXX test. At that moment a proof was presented, a claim was initiated, requesting the reimbursement of this ticket. They told me that before ands the cruise I would receive an answer, but I just receive a letter with a case number, and I had to contact the corporate office in XXXX. I did. I contacted them using different ways : by phone, E-mail, and regular mail ( post office ), without receive an answer. 
I initiate a dispute of the charge with the credit card ( {$660.00} ), but the credit card had denied me this refund, giving me different excuses. I had sent all the information to the credit card, include a dispute with the XXXX XXXX XXXX against XXXX, where the company accepts the mistake, but they are giving a credit to use in a future cruise to my daughter. The problem is that my daughter is a minor ( XXXX XXXX XXXX ) and she can not use it by herself. I have a couple problem with the cruise and the other credit card accepted my disputes and made the respective refunds, but Best Buy Credit Card had denied it. One of the reason has been that they had not received enough information or documents, but this is not true because I had sent all the information using different ways ( fax, and regular mail )
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (FL)

Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-XXXX  ( XXXX XXXX XXXX XXXX. ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-Truist Bank ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.
Consumer complaint received 2021-03-10
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: Duvera Billing Services, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-06-20
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. (NY)

I am still being hit with a hard inquiry from XXXX XXXX  from XX/XX/2017 on XXXX   and Experian. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.
Consumer complaint received 2017-09-25
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: COOLEY ENTERPRISES INC (TX)

I disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX  and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb  complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX  only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX  was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (LA)

I received a bill from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX for an attempt to collect a debt in the amount of {$280.00} on XX/XX/XXXX. I mailed in the request on their letter in the enclosed envelope, requesting additional information on the debtor and amount owed on XX/XX/XXXX. The letter states to do this by XX/XX/XXXX, which was done. I now have TWO derogatory remarks on my credit report from this company for the same " bill '' and have not received ANY documentation from this as requested as of today XX/XX/XXXX.
Consumer complaint received 2021-06-14
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. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

On XX/XX/2022, Professional Placement Services added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Professional Placement Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2018-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I contacted Equifax to remove items from report they have done nothing, they did not advise me in time and they keep sending me messages but can ; t open up to their site to get my report. They DID NOT advise me in time of 30 days of required response. I have tried to chat, go on line, call and get no responses within the required 30 days. I want to file report against Equifax. They only sent me a message AFTER i made my complaint to you. They did not meet the 30 day deadline.
Consumer complaint received 2022-02-16
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. (CA)

Fair Credit Reporting Act Request under 611 ( a ) ( XXXX ), failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: National Default Servicing Corporation (NV)

On XX/XX/XXXX thru XX/XX/XXXX I XXXX XXXX XXXX XXXX tendered payment in full thereto alleged mortgage company XXXX. Act of XXXX XXXX XXXX etc, .. XXXX XXXX. 

After tendered payment i have not received any communications from them since XX/XX/XXXX. On XX/XX/XXXX I filed a lis pendens with the local Constable and all parties therein were served due to no response knowing they would make an attempt to foreclose after refusing the tender of payment. I received another email notice another filing by XXXX XXXX XXXX alleging a sell of the death pledge or Deed of Trust on or about XX/XX/XXXX with no correspondence to me the XXXX title holder. 

On or about XX/XX/XXXX i received an electronic notice from the XXXX County Recorder stating someone filed a instrument on my private XXXX property. While at the same time i was prevented from filing my own instruments on my XXXX  private property. 

XXXX is the filler claiming to be the Trustee. When this property parcel No. XXXX lot XXXX latitude XXXX longitude XXXX. 

My private property is held within my XXXX XXXX  estate trust XXXX and is kept sealed. I have sealed court stamped documents showing the tender of payment and the exemption of my XXXX  property rather XXXX has sent a woman named XXXX XXXX to my Abode while i was out of the country on vacation celebrating my XXXX anniversary with my cohort. She place a open visible document alleging my home is in default and going into foreclosure on XX/XX/XXXX approximately XXXX where no one could recognize her but caught on camera her XXXX XXXX XXXX  as she parked a few houses down and proceeded to place the documents with blue tape on the Abode. 

She then returned writing on the document a date of XXXX on XX/XX/XXXX. She then returned on XX/XX/XXXX approximately XXXX pm while i was home and left another letter on the door with the same blue tape. I then called the XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and they contacted XXXX XXXX. 

She stated to the Trustee XXXX XXXX XXXX that she was trying to help me save my home. She was warned that the home was tendered in full but she persist to use scare tactics stating the County Recorder has the home listed as in Default which is not true for the Clerk XXXX XXXX XXXX was notified on XX/XX/XXXX by XXXX XXXX mailings of the court orders to remove all instruments from my private Abode. 

It appears that XXXX and XXXX XXXX are working together trying to get me in a contract to sell my home, .. rather my Abode is not for sale and i didn't contact either of them for their alleged assistance.
Consumer complaint received 2021-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Months ago I have requested a RESPA on this now obsolete mortgage account and still gotten no response this is a RESPA violation and needs response!! which I am informed for each of these negligent activities by Chase is a {XXXX} fine. This is in fact an obsolete mortgage and yet this company continues to send me paper statements via postal mail. 

This billing needs to stop! as well as my RESPA request for documents needs to be filled by Chase. please see attached this still has not been answered a direct violation of my RESPA rights. This was dated XXXX XXXX, 2021 within this attachment. See page 5 of this attachment for the RESPA request. Still not fullfilled!!
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX  account and I do not have anything on my report that will cause me not to be able to open an Account. This happened on XX/XX/2021 by XXXX XXXX the branch on XXXX XXXX.
Consumer complaint received 2019-06-20
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 am still being hit with a hard inquiry from XXXX XXXX from XX/XX/2017 on Equifax and XXXX. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.
Consumer complaint received 2022-02-16
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: ENCORE CAPITAL GROUP INC. (CA)

Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Midland Funding XXXX Date Assigned XX/XX/2016 Balance {$630.00}
Consumer complaint received 2019-08-01
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. (UT)

XXXX  XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.
Consumer complaint received 2019-07-30
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. (TN)

XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (PA)

My name is 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.