davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: DISCOVER BANK (MI)

This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, Iam filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with Discover Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX stole my identity. This account is still showing active on my XXXX credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.
Consumer complaint received 2021-09-06
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: DISCOVER BANK (IL)

i checked my credit yesterday because i was going to apply for a home loan. i used an online site service to obtain a report and noticed several fraudulent accounts and inquiries that i didn't authorize and have no knowledge of. 

The first account Discover Bank and it was opened in XXXX of XXXX the account number is XXXX and the account was closed on XXXX of XXXX. The balance of this account is {$6400.00} and i found out about it yesterday. 

The next set of fraudulent information came in the form of inquiries on my credit report : XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX
Consumer complaint received 2022-05-05
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX  {$400.00} # XXXX XXXX XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX XXXX {$450.00} 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 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX at around XXXX I received a fraud alert text from Citibank asking me if Id attempted 2 transactions with XXXX, each over {$2000.00}. I immediately replied NO. I then went to check my account online and saw 3 pending charges, the 2 I just mentioned and a small charge for {$.00} which is how fraud usually occurs by initially trying to deduct a small amount first. I immediately called Citi Fraud department. I was put on hold for over an hour and then finally spoke with someone who barely spoke XXXX. They told me that since the charges were pending they would not go through since they were unauthorized. Nonetheless on XX/XX/XXXX, the charges were posted against my account! Citi was completely negligent in allowing this. I called the fraud department again. I was put on an hour hold again. When I finally got through I was told by the agent that they would be opening an investigation and that I could not get my money back until that was completed. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case. Days go by, I receive not one shred of paper regarding a so-called investigation. I call the fraud department again. They transfer me to the dispute department. They tell me that within 10 business days I should get a provisional credit pending the investigation?! A few days later I do in fact get a credit back in my account for one of the 2 unauthorized transactions. However, not a word about the second one and still no mail from Citibank regarding any investigation. I call every day asking for the status. Im given 10 answers by 10 different people. I repeat my story over and over again from the start as if they have no record of any of it. It is XX/XX/XXXX today and Im still out over {$2000.00} due to Citibanks complete incompetence and lack of following my instructions that these were UNAUTHORIZED transactions. I am at a loss as to what to do next. Citibank is not taking care of this under any time line. It is illegal to take money from my account without my permission. Yet that is exactly what they have done.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I want to make a complaint about Chase bank. I accidentally deposited a check that has someone else 's name. The check is a deposit return from an apartment and the name on it belongs to my roommate. My bank account was frozen due to suspected faud activity, I tried solving the problem by contacting both Chase and the check maker, but Chase requires a verification from the check maker only through phone calls and only through verified numbers. All of the available numbers of the check maker are not " verified '' on Chase 's record so they can't communicate with them. They later told me to scan in my leasing contract with the check maker as a verification, but the process is extremely slow and it doesn't seem to be working. I suspect that they will never give the money back and it's a big amount.
Consumer complaint received 2022-04-22
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. (AL)

I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from XXXX in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and Equifax never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.
Consumer complaint received 2022-10-17
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. (MD)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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. (IA)

n accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

My wages was garnished by AES with a 3rd party contracted company. This took place roughly from XXXX. I did not have a signed contract with this 3rd party ; which made it unlawful to garnish my wages.
Consumer complaint received 2022-10-17
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. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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
Consumer complaint received 2022-08-13
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and Equifax l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX  15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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)

Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance! 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I received a payday loan from Title Max for the amount of XXXX. I got the loan near closing operation time at that point I was insured that I would only be paying back {$380.00}. The loan occurred in XXXX of XXXX  My first payment was scheduled for XXXX which I verified XXXX separate times. I spoke to a XXXX XXXX XXXX XXXX. I was repeatedly assured that {$380.00} was the entire payoff amount. Which is the only reason I agreed to the loan. My bank account was unknowingly attached to the loan without permission. I was rushed out the door after processing the loan which the details were vague. I also was not provided with a contract. When I called to request payment information the representative was vauge and informed me that they didn't know what the payments amounts were. Titlemax then started to attach predatory taxes and fees to the loan. I was then becoming harassed by ridiculous amounts of unsolicited phone calls and harassing letters in the mail. I will be sending titlemax a cease and desist notice. I feel I have been predatorily targeted. To be specific a " XXXX XXXX XXXX '' is the individual who unecessarily makes harassing phone calls using a threatening tone.
Consumer complaint received 2022-04-22
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. (CA)

In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.
Consumer complaint received 2022-08-24
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. (DE)

When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.
Consumer complaint received 2022-10-17
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-13
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. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-08-04
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. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2022-10-17
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. (AL)

Hard Inquiries found on my credit report that are fraudulent, listed as follows : 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 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (CA)

Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX This is a violation of FCRA laws. 

Account information is not accurate
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX XXXX  I am submitting this complaint myself. The items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required XXXX  verify for themselves, but they failed XXXX  neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-08-24
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. (DE)

When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.
Consumer complaint received 2021-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (FL)

I bought my house last year, and within closing costs, {$420.00} was earmarked for homeowners insurance. Apparently the check that the title company had to send to the home insurance company never went through, so due to this I was without home insurance throughout the XXXX period. I never found out about this situation, until I received a letter from the lender saying that if I did not send them evidence of my home insurance, they would have to apply a premium charge for the lapse in coverage, which would be much more expensive than an usual home insurance. 
I had to get insurance for my home that covered the period XXXX, which was quite difficult to get, because no insurer wants to issue a policy to a home that has been without coverage for a year. After sending this evidence to the lender, they continue to demand evidence of the policy for the XXXX period, a policy that they should have insured me when I bought my home, and it was never effective. 
Now they are including me in my escrow account, an amount of {$4600.00} for home insurance during the period XXXX, a situation that was clearly the responsibility of the lender and the title company, and now I have to cover that expense ( my monthly payment has risen to an amount that for me is impossible to pay ). How could you help me so that this amount can be withdrawn from my escrow since it was not my responsibility?
Consumer complaint received 2021-12-08
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX