davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to along with an account that should no longer be reporting on my account.. Upon reviewing my credit report, I discovered the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately.

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent, that I the consumer did in fact open the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the account I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-15
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. (FL)

Since XX/XX/XXXX I have notified Equifax that there are several inquiries on my credit report with them that do n't belong to me. The first asked that I contact companies directly which did and never received any responses. Just recently as XX/XX/XXXX I reached out to Equifax again and was told the information was factual but they are refusing to show me proof that I have applied for credit with these companies.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OH)

XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.
Consumer complaint received 2024-03-01
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. (PA)

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006. 

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This creditor has never provided me proper debt validation for this alleged debt and violated my rights by not giving me a chance to address alleged debt and has also reported four late payments and a collection charge off account as bad debit to consumer reporting agency without supply me with any 1099C or 1099A, or any kind of notification and tricked me to pay alleged debt settlement for less of alleged debt.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

Chase has continually mislead me when discussing several things with reps since the day that I opened the account. When I opened my account I deposited a $ 5k+ check and was told that the funds would be available the next day. They were not. It took me calling and speaking to a supervisor and advising them what I had been told, and that this was a violation of The Dodd Frank Act to be told something that is misleading, to get the funds made available.

Consistently throughout the life of the checking account, I have had their reps tell me information that was either completely false, or totally misleading.

As of late, I have had trouble financially due to losing a job and being on unemployment. It was not uncommon for the state to delay funds. Sometimes I accrued NSF fees because of the delays in receiving my unemployment. Generally I would bring the account to a positive balance within 24-48 hours of being charged a fee. If I called in and spoke to a rep, I could get the fees waived. On more than one occasion, I would be told that the fees COULD NOT be waived, but on the same phone call would ultimately end up with someone waiving they fees.

I feel that this practice of telling someone no, but then yes, is unfair and misleading. At what point am I to know when the line has been drawn? And given my financial situation, is it fair to be charging someone such astronomical amounts of money for being overdrawn for 24 hours? Should it cost me {$34.00} per transaction? What kind of interest rate is that?

Above all, when speaking to their reps and supervisors, it is incredible to me, that they are totally unaware of what the Dodd Frank Act is. The last supervisor I spoke to told me that she was unaware of who the CFPB was.

It seems as though Chase, as a company is not concerned at all with avoiding violations of the law. If they dont train their reps or supervisors what a law is and what it does not allow, how can they avoid violating the law?
Consumer complaint received 2017-09-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.
Consumer complaint received 2017-12-31
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. (IA)

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

Santander reposed my car years ago, sold it at an auction told me how much they sold it for and still told me I have an over {$12000.00} balance. During my time with the vehicle I told them over and over the car was falling apart and my job was cutting back and that the car shouldn't be having any problems that soon anyways. So, eventually they came and got the car it was an overwhelming ordeal to deal with them and I'd rather not do that again. They've messed up my credit from a car I don't have and they took an resold ...
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (NY)

IQ Data - XXXX XXXX {$5300.00} XX/XX/2019 I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively Rent debt Tailor common medera {$1900.00} I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively. 

I even confirmed with the manager of the property that this wasnt my debt and they agreed to remove it. However, when I disputed the amount through the credit bureau they are declaring it as my debt
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I keep asking the credit bureaus to remove my the years of XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase Sapphire Reserve personal credit card in XX/XX/2022 but it wasn't approved until XX/XX/2022 due to delay and multiple rejections of my identification documents in different forms that led to having XXXX hard inquiries that shouldn't be at my fault. 


An agent representative on the phone incorrectly entered my personal information which led me to require to submit identification documents over the mail. I asked if I could securely email or fax it to the company faster, but many agents told me multiple times that I could only finish the application by paper mail. XXXX paper mail was never received because it was missing, but the other XXXX were rejected due to the inability to read the document even though I provided both black & white and color copies in case. 

Next, another agent told me that I can have the Chase Bank fax the ID documents for me when I thought I couldn't do it in the first place. I submitted official documentation ( not copies ) to the first branch in XXXX XXXX ( or XXXX? ), but when I followed up next week with customer service on the phone, they told me that they were unable to see the documentation. They did not specify how they could not see it. I repeat the step at a different Chase Bank and had them ensure they fax my official documents ( not copies ) clearly. 

The second Chase Bank in XXXX XXXX offered to call customer service for me to follow-up on my credit card application because it was XXXX months since I applied for the credit card at this point. Their credit card customer service line stated that my credit card application is closed because it was over XXXX limit. I told her that I was not made aware and I'm having trouble getting my credit card approved over the inability to see my ID documents, no specifications again. The previous agent also told me that my application will remain open due to simple required ID documentation. 

Then I followed-up with my application next week to find out that my ID documents that were faxed to a SF Chase Bank were denied because they can't read them again. I also complained that I had a second hard inquiry that is not my fault, but Chase and the credit bureau did not help. 

Finally in XX/XX/2022, a person from the same customer service number I called since the beginning of the application told me that she can send a secured email to submit my documentation through my Chase app. The submission and completion of the application only took less than XXXX while the entire ID submission took nearly 3 months and XXXX hard inquiries. 

Throughout the XXXX process, I've used the same form of ID documentation.
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

In XXXX, I noticed my Escrow account was incorrect and my payment went up {$500.00} a month! 

I received a delinquent tax bill from the county I live in. My mortgage company paid my neighbors taxes instead of mine. ( Mine is $ XXXX they paid $ XXXX XXXX. 

I asked them to pay mine, they paid the incorrect amount yet again paying the amount the neighbors owe. ( They do not have the same mortgage company ). The mortgage company has yet to fix it and readjust our escrow. 

We are serviced through United Wholesale Mortgage.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (AZ)

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.
Consumer complaint received 2021-04-02
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: Experian Information Solutions Inc. (NY)

On XX/XX/21, I submitted a dispute through Experian regarding a bankruptcy that is reporting on my credit. Experian claims they investigated, and confirmed the item, yet they did not provide any information as to whom they contacted and what was verified and or validated. Nor did they confirm the agency they allegedly confirmed the bankruptcy with.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (AZ)

My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.
Consumer complaint received 2017-12-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (OH)

I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.
Consumer complaint received 2017-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AL)

I never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.