davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I discovered that my identity was stolen. My estranged parents forwarded the documents to my work address. Apparently, around the date of XX/XX/XXXX, someone opened a bank account in my name using an old address, where I have not lived in many years. That outdated address ( where my parents still reside ) is in XXXX Illinois. 
I received further information from the associates at my local Chase Bank branch in XXXX ( who have been very helpful ). That information includes : 1 ) My actual phone number and my actual email address were not used to open the account. 2 ) The account appears to have been opened online by an IP address located in XXXX Illinois. 3 ) Immediately after this checking/debit account was fraudulently opened in my name, XXXX fraudulent checks of {$1000.00} were deposited for a total of {$3000.00}. 4 ) {$1400.00} was then sent via XXXX to other accounts ( {$490.00} on XX/XX/XXXX to XXXX XXXX, {$490.00} on XX/XX/XXXX to XXXX XXXX, {$490.00} on XX/XX/XXXX to XXXX XXXX XXXX XXXX ). 5 ) The fraudulent checks were immediately deemed suspicious and flagged by Chase Bank. 
The account has been closed and I have placed a security freeze on my credit. I am now making a report to the FTC. I am also filing a report with the XXXX Police and the Chase Bank fraud team. The XXXX Police Department has refused to take a report, although they are aware of my parents ' continued harassing behavior and the fact that they have previously tried to sabotage my financial security. In the past, my mother has also purchased a cell phone, set up mileage-plus accounts, and opened a checking account using my name, her name, and her home address. I used to just go along with it, and not stress out about it, under the long-time assumption that my parents would always act in my best interest. I now realize those efforts were in fact ways for my mother to keep tabs on me, improve her own credit after her identity was stolen, and transfer miles to herself and my father after my travels. In short, I now realize that my mother does not reliably act in my best interests. 
Due to their harmful behavior, my parents do not have permission to contact me and have not been given any of my current contact information. However they found my work address online and have been sending correspondence to that address. In XX/XX/XXXX, I emailed them telling them firmly not to contact me, and they continued to do so, so I reported this continued harassment to the police in XX/XX/XXXX. It is possible they are trying to instigate further drama ; it is also possible this is a completely random identity theft. 
I confirm that I have never applied for any Chase Bank account ; I do not have any bank accounts, credit cards, or loans with Chase Bank ; and I did not open the Chase Bank account ending in XXXX last month. I do not know who did open this fraudulent account using my name and that outdated address, but it would not surprise me if my own parents were behind this.
Consumer complaint received 2020-04-16
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-30
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. (AL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-07-30
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 XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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 2018-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

A private loan in the amount of {$8100.00} with an unknown co-signer was taken out in my name without my knowledge for the date of XX/XX/XXXX. I was attending XXXX in XXXX, Florida. They closed the school, I did not finish the semester. I did not receive the funds, they were sent directly to the school. Sallie Mae was the original borrower before they became Navient. I received letters stating loans were consolidated. ( I also had Federal loans from a different School ) I received a letter several months later in XX/XX/XXXX, also stating that only one payment a month was necessary and they would disburse it between the loans. I was not aware that a private loan was included. So I made payments on this private loan for several years before I realized it was not a loan I had signed for. I attempted several times to correct this with Navient. I was told that there was nothing they could do. I requested all paperwork that they have. I have received copies, however, these copies have been altered by Navient themselves. This loan was opened fraudulently and mishandled.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NC)

On XX/XX/XXXX, my MoneyLion account was hacked by someone. They were able to change the phone number on file and make several transactions including opening a XXXX  account ( which is MoneyLions checking account ), getting a {$510.00} loan with their Credit Builder, and signing up for the monthly membership which is $ XXXX/month ; this said person also was able to cash out several amounts using the XXXX  service MoneyLion offers. On the same day, they also authorized a repayment of that XXXX  in two amounts, the first was {$300.00}, and the second was {$75.00}. After the second amount, my XXXX XXXX account denied further transactions due to limited funds in my account. The person then transferred the loan amount and XXXX  amount to the XXXX account and transferred that into a separate personal account totaling {$860.00}. When I noticed this, I tried contacting MoneyLion directly but wasnt able to get ahold of them except via email. I also tried changing the phone number on my MoneyLion account back to mine to but since it had been recently changed, it would not allow me to change it back. I contacted my bank and they were able to refund the {$300.00} and {$75.00} charges to my account. The next day I was able to talk to a representative who took all of the above information and told me they would pass it along to their team of specialists, lock my account and I would hear back either by phone or email in the next few days. After approximately two weeks, I hadnt heard anything from the company, and MoneyLion had cashed out {$700.00} that was due for repayment of the XXXX. I called them again and got the same response that they would pass it along to their specialists and didnt have a time frame of when the issue would be resolved. It has now been two more weeks since then and I have not received any information or refunds.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

For the past 4 days I have been calling company to log into my account. The login continue to say unable to login. Spoke to agents for the past 4 days and said problem is fix to get me off the phone. Still cant get in so I can go over report to use my VA loan to purchase a house. Unable to renew password. No help from agents
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (KS)

There is a clear billing error here. This account was on auto draft since I first opened it with the same bank account. Somehow their system made an error and they refuse to correct the billing error. The 2 loans that I had out with them somehow went 30, 60 and 90 days In XXXX, XXXX and XXXX of 2020. Theres 2 big issues I have with this. 1 I was never ever contacted by them for any late payments nor was I given an option to rectify the late payments before they through it on my credit report. Where was the grace period notice in this billing error? That is a clear violation because the error was completely on their end and not mine. Two how were they able to report these false late payments in the middle of Covid-19? Does the cares act not take into effect here at all? These payments should not be reporting late on my account due to billing errors but The Lending club refuses to remove these payments further violating my consumer rights.
Consumer complaint received 2021-06-07
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. (GA)

Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA.

Equifax is the only Consumer Reporting Agency reporting the Invitations Homes account on my consumer report. XXXX and XXXX  has both removed this account from my consumer report. I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX TXXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$470.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXXBalance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$640.00}
Consumer complaint received 2020-04-16
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. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2022-04-14
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)

IN REVIEWING MY CREDIT REPORT FROM XXXX AND EQUIFAX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: DriveTime (CA)

I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-30
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. (NY)

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 a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-30
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)

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 a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-08
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. (AL)

I have been disputing XXXX XXXX with Equifax, XXXX, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (FL)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to lack of response of CREDIT BUREAUS, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and update my records. Please update the account, XXXX XXXX XXXX Balance {$0.00} which XXXX, EQUIFAX and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to CORRECT the account listed.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NH)

Loan care is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In late 2021, I had tried to remove all public records information from all the major credit bureaus such as XXXX, Transunion, XXXX after I was told that the Bankruptcy office doesnt report personal information of any kind to the credit bureau and that the credit bureau uses outside resources to rely on their information which may stand a chance of being inaccurate According to 1681b Permissible purpose of consumer reports ( I never gave any company permission to publish my credit history )
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

i disputed these accounts on my credit report and XXXX  and equifax replied to me that these inquiry 's came back as verified, I told XXXX  ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both XXXX  and equifax used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00}