davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not authorize the following companies to do inquiries 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 have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Consumer complaint received 2022-06-08
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. (NC)

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Consumer complaint received 2022-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Good morning Follow up on the letter dated XX/XX/2022. 

Based on the response letter, I have contacted Shellpoint customer serveries at XXXX XXXX XXXX the pay the loan in full this morning. 

XXXX XXXX, the customer service from Shellpoint confirmed that the following : 1. Loan ID : XXXX has been paid in full. 
2. The mailing address has been changed to XXXX XXXX XXXX XXXX XXXX, FL, XXXX, all ongoing correspondence letters should be sent to the new address instead. 
3. A balance of {$120.00} will be issued directly to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, FL XXXX with 15 days. 
4. XXXX XXXX, will receive the release of the mortgage from Shellpoint within 30 days. 


Please contact me anytime if you have any questions. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (NV)

I asked XXXX for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on XXXX says XX/XX/2020 and Experian says XX/XX/2020. 

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.
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase has blocked me from accessing my crypto in XXXX when I transferred it to my wallet. The money is there and I did all the steps correct such as using ETC network. They have restricted access to my own fund without warning or any notice. I am verified and did verification again. Resettled my passwords for extra security and still no response. 

A support ticked with case ID XXXX, I created was closed without any action or change or information.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Lowe 's credit card and received instant credit with a {$1000.00} limit. After about 6 months after my account was already at {$380.00}, I was informed that they had reduced my credit limit to {$380.00}. Then after being around eight days after the due date of the XXXX, I got my bill and realized they didn't give a ten day grace period which is normal with all of my credit accounts. I then tried calling several times trying to talk to someone about changing the due date so it would correspond with when I get paid as I have been having it hard financially since my XXXX benefits were stopped unlawfully by XXXX. I was unable to reach a live person. Instead of adding interest for a late or missed payment, Lowe 's doubles the amount of the payment making it even harder on someone to maintain their account. They then closed my account a couple of months ago but keep adding the payment amount of {$40.00} each month, then doubling it, etc. This is a very unfair practice of a credit card company. When I called this morning to try to work this situation out, the man kept avoiding the issue at hand and kept claiming my account # wasn't correct even though I read it first off the card. He said I needed to read it off the statement, so when I got one he claimed it still wasn't correct. He kept avoiding the unfair practice of Lowe 's. I ended the call at that point.
Consumer complaint received 2021-10-25
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. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquires on my credit report XX/XX/XXXX and XX/XX/XXXX I made several calls and emails and The supervisor agreed after verifying my accurate information and police reports that the inquiries was not truly me and agreed to remove all the hard inquires from the credit bureaus
Consumer complaint received 2021-10-25
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I was looking over my credit report and found items that appear to be inaccurate. To prevent identity theft i provided the company with proof of my name, address, telephone number and employer, because there should only be one of each. They refuse to correct all inaccuracies
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

* I applied for a checking account online with Chase on XXXX. The application was accepted and the account was boarded. 

* I made a small deposit to my new Chase checking account from my existing XXXX XXXX XXXX account on or around the same day. The money did materliase in my Chase account. 

* I received a debit card in the mail on or around XXXX. 

* On XXXX I received an email notification from Chase, requesting I establish a direct-deposit with my new checking account. I attempted to logon into my online profile, however was informed that my account was locked due to suspicious activity. 

* I attempted to contact Chase the following day on XXXX. I was informed I needed to speak to a special team and to call back the next day. 

* I called back on XXXX. I was on hold for one hour and ten minutes, when the call was abandoned by Chase. 

* I called back on XXXX. I was informed that my account was closed due to identity theft concerns. I asked what were the " red-flags '' that triggered identity theft concerns. I was informed I did not submit any proof-of-identity when the account was boarded and the bank did not know who I was.
Consumer complaint received 2021-10-25
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. (TX)

I recently looked at my credit report and found errors/things that don't belong to me on it. I disputed the errors, but they did not remove them from my credit report. 

XXXX XXXX XXXX for {$5400.00} does NOT belong to me and I want it removed from my credit report. 

XXXX XXXX XXXX XXXX for {$48.00} does NOT belong to me and I want it removed from my credit report. 

How is it that credit reporting agencies can put whatever they want on my credit report?
Consumer complaint received 2021-10-25
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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2022-07-02
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. (OH)

The text message says with a scam link attached : ChaseSupport : We noticed Your chase account has been temporarily limited due an unusual activity, to unlock visit XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I have filed a dispute with EQUIFAX on XX/XX/XXXX asking for an independent investigation and asking them to verify accounts with original contracts as well as original signatures, asking EQUIFAX to independently verify legal ownership of these following accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # xxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX On XX/XX/XXXX EQUIFAX said that the investigation to my disputes were closed, but they did not furnish me with any signed contracts or any original contracts, they also didn't furnish me an independent report, they also did not furnish me with any data at all, of their investigation. They violated my rights according to 602. [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 


Thank you for your attention to this Urgent matter.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (IN)

I received a XXXX debit card from US Bank for unemployment out of Ohio. I'm not unemployed and I live in Indiana. Called them and had them deactivate the account also made a Police report and contacted the credit bureau.
Consumer complaint received 2022-07-02
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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 Bankruptcy, 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 Account Name : XXXX XXXX XXXX XXXX Acct number :
Consumer complaint received 2021-10-23
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. (GA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2022-03-29
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. (FL)

I have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( XXXX )
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (ID)

I received a letter that is identified as XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. The letter purports that I owe XXXX XXXX XXXX  {$8500.00} related to the time period of XX/XX/XXXX to XX/XX/XXXX. The account from XXXX XXXX XXXX is identified as two different account numbers. The letter does not provide an email address for me to respond to. The letter does not identify how or where the charges accrued. The letter demands that I send personal information, including a copy of my drivers license and my social security number, by the end of XXXX or my account will be sent to collections. This looks a savvy scheme to collect identity information and financial information on a person.
Consumer complaint received 2021-10-23
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. (FL)

XXXX XXXX XXXX  has been closed since XXXX. But now they are reporting late payments to my credit report. Tjis is going against the fair credit act, and i want this account removed from my credit report immediately.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WA)

My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a jp chase account today XX/XX/21 under my name using my ssn.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I am disputing the following personal information that is showing for me which is incorrect. Please remove incorrect addresses because I do not reside there. Please remove incorrect name variations because those are not my legal names. 

XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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
Consumer complaint received 2022-06-07
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 XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-23
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) 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 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HOPE BANCORP, INC. (WA)

This is the second complaint I have filed against Bank of Hope since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to XX/XX/XXXX!!!! They are reporting my loan under Bank of Hope with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXX XX/XX/XXXXon the report ) with an outstanding principal balance of $ XXXX makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with Bank of Hope with an outstanding principal balance of {$130000.00}. It took me several weeks of calling Bank of Hope and filing a complaint with XX/XX/XXXX and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Upon checking my credit report I discovered Transworld Systems had placed a collection account on my file. I submitted a validation request letter XX/XX/XXXX requesting my signature on any document agreeing to do business with this company and requesting any documents showing my signature to do business with Transworld Systems. I received a letter stating that they would contact the original creditor and that they had followed and complied with federal law. All validation should be done BEFORE derogatory information is placed on any ones credit file. This is NOT MY account and I am requesting that it be deleted immediately as it is damaging to my credit worthiness.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (PA)

The information below is inaccurate for my employment background check. I have tried in the past to stop this from showing up its been a constant issue for me. I was never convicted of that felony or any other felony. 

Consumer Name SSN Client Name Client Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Case Reference # Name on File DoB on File Charge Charge Type Disposition Date Sentence XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX