davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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: FBC MORTGAGE, LLC (GA)

FBC has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.
Consumer complaint received 2023-01-07
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FISERV INC. (CA)

The XXXX XXXX XXXX XXXX located in XXXX XXXX, is a Foreign Government Mission, the XXXX contracted services with Clover XXXX and the First Data XXXX 

This company Clover XXXX, has been charging the monthly fee since XX/XX/2022 into a wrong account, we have been in touch with our First Data representative, and they just rolling us from department to department. 

It has been already more than 6 months requesting to our account to be fix, and until now they don't respond to our inquiries anymore and we haven't been able to reach any customer presentative with the credentials to fix this situation, this has been escalated to our First Data representatives and until todays no one has done much to help. 

The Clover  Customer service is unreachable and when finally, we get someone over the phone they just keep rolling over departments. 

Our Service address is XXXX XXXX XXXX, XXXX XXXX CA XXXX. ( XXXX ) XXXX.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numberXXXX, 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 2021-01-19
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: CORELOGIC INC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX XXXX and XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, Credco XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

On 2 separate occasions I filed disputes in regards to an XXXX XXXX account that does not belong to me. I requested that the account be properly investigated as it does not belong to me. I also asked for any physical proof or documentation showing that this account was opened by me be sent to me or that any documentation that the credit bureau used to " verify '' this account as belonging to me be sent to me. XXXX has not and can not provide me with any physical contract or documentation showing that I opened an acct with them. On both disputes Experian responded back saying that the account has been verified but has not sent me any proof or documentation that was used to so call verify this account. The dispute with Experian that was closed on XX/XX/XXXX has a statement from Experian stating that Experian does not actually verify the account information but instead they rely on information obtained from the furnisher or vendor that is reporting the information. Per the FCRA Experian is supposed to do their own investigation and also keep physical documentation of how the account was verified. Experian has failed to do a thorough investigation and by their own admission they relied solely on another source to verify information which is in violation of the FCRA. Relying solely on an outside source to verify information is not validating or verifying an account as belonging to me because that same outside source has not provided any physical proof. Furthermore if a thorough investigation had been done Experian would have determined that the XXXX account has been sold to XXXX separate collection agencies and that would make me no longer liable to XXXX XXXX if the account did actually belong to me. But neither XXXX, the collection agencies nor Experian can show me any physical contract with my signature or photo ID that would have been needed to obtain an account. On the same dispute that I filed in XX/XX/XXXX I also disputed an account listed as " XXXX '' on my credit report. Experian closed to dispute and stated that information had been verified, however on the account history for XXXX Experian has it listed as " Filed Chapter XXXX bankruptcy XX/XX/XXXX ''. Experian failed to do a thorough investigation of this account as well and again relied solely on an outside source which provided inaccurate information. I filed bankruptcy in XX/XX/XXXX so there is no way possible that Experian could have really verified that this account was included in a XX/XX/XXXX bankruptcy considering the fact that my bankruptcy had n't even been filed. Experian has not verified the account as required by the FCRA. Per the FCRA any inaccurate or unverified account must be deleted. I am demanding that XXXX XXXX and XXXX be deleted since a thorough and accurate investigation was not done by Experian within the 30days.
Consumer complaint received 2022-08-04
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)

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXXXXXX  ACCOUNT # XXXX # XXXX XXXX # XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

XXXX -- Previous complaint number. 
XX/XX/XXXX Mortgage company explained that I would receive only {$240.00} even though my Escrow was XXXX, but that the following year, in XXXX of XXXX, I would receive a much larger amount. 
XX/XX/XXXX Escrow refund was issued for {$5600.00}. 
XX/XX/XXXX Mortgage company advised check sent. 
XX/XX/XXXX Called to advise haven't received check. Advised to give it 15-20 business days to receive. 
XX/XX/XXXX Called to advise still not received.They will look into it and call me back. No return call. 
XX/XX/XXXX call and advised still no check. I need it resent ASAP. We will send your request to Escrow, it will take 15-20 business days for them to research. 
Holidays came went still nothing and frankly exhausted with this situation. 
Fell off my radar but still no check. 
XX/XX/XXXX I received escrow statement and they paid {$3900.00} to someone else tax bill and have increase my mortgage over {$250.00} a month due to their error! 
XX/XX/XXXX I still have not received the check and I have again reported it lost and they still have not resent. Asked me to check back in 15- 20 business days for update.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

I contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.
Consumer complaint received 2020-04-22
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My chase account ending in XXXX, was accessed by a third party and significantly depleted, I have had about XXXX dollars currently in dispute with chase. I have taken procedures to make sure something like this would never have the opportunity to form however it transpired and chase is not doing anything to help. I have sent all the evidence available to me and they still will not accept it. My claim number is XXXX
Consumer complaint received 2022-01-04
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. (OH)

I let XXXX know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I opened a dispute case with Citi XXXX for charges of XXXX with XXXX 's XXXX on XX/XX/2018. Citi continues to issue a credit and then debit this charge 30 days later. More importantly Citi continues to allow vendor to confuse the issues. on XX/XX/2018 I advise vendor that the temperature on the boat reach an inhabitable temperatures. I advise the vendor that I could not stay on the boat because the air conditioner could not keep up due to the high temperatures. see attached text exchange with vendor. In addition to the inhabitable conditions my dog and I contracted XXXX due to the water on the boat. XXXX is one of several XXXX XXXX  known to cause XXXX in both dogs and humans due to poor water. 
XXXX 's XXXX does not have a cancellation policy in the agreement and therefore Citi states because XXXX 's XXXX does not have a cancellation policy I am obligated to pay for charges that I did not stay and cancelled due to the inhabitable temperature conditions on the boat. see attached weather report and contract signed.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AL)

PNC has repeatedly prevented us from using apps like XXXX and XXXX and other money exchanging apps. We receive errors stating PNC will not allow linking to those apps even though we had previously used PNC with those apps. VERY frustrating!!!!
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

15 U.S.C. 1681s- Responsibility of Furnishers ( B ) Duties of Furnishers of information upon notice of disputes ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer reports agencies to which the person furnished the information and that compile and maintain files on consumer on nationwide basis So I feel unde FCRA my rights being violated because the account listed below was deleted off XXXX but not all XXXX  credit bureaus everybody did a investigation why is it not deleted on all credit bureaus account listed below # XXXX XXXX XXXX XXXX XXXX My family is being stop from moving into a home do to the inaccuracies not reporting accurately acrosss all XXXX credit bureaus 15 U.S.C . 1681
Consumer complaint received 2023-07-26
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)

Equifax is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I also was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent to them. It has been over XXXX  days since Equifax has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX XXXXXXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I used the Apple Card backed by Goldman Sachs to purchase transportation services from XXXX XXXX. The services werent provided, including the company lying about them being scheduled. Goldman Sachs ruled in the companys favor that my deposit should not be returned. I provided email threads and contact details demonstrating my case. It didnt appear that anyone even read them before ruling.
Consumer complaint received 2020-04-22
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: LendUp Loans LLC (TX)

Hi, Around XXXX - XXXX of 2016 i fell victim to identity theft and my information was used to illegally apply for a loan from this company.This company allowed a fraudulent account to be opened in my name without my permission. 
I have been trying to reach them at the addresses listed on my credit report through certified dispute letters to get this cleared up for years to no avail. I also disputed the account with the 3 major credit bureaus only for them to respond to the bureau that the is " Valid and Verified '' while the company has not attempted to respond to any of my mails or try to fix this issue. I have suffered losses with this account reporting falsely on my credit. I had never heard of this company until they started reporting on my credit. All I want is them to remove this false data on my credit. 

This company is facilitating criminals in stealing identities and opening false accounts and allowing fake electronic signatures which basically waive your rights and enters you into some Arbitration Agreement. 

Company name : FLURISH INC DBA LENDUP XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NV)

I opened an unsecured personal line of credit On XXXX XXXX, XXXX. The line was used off an on and when the brunt of the financial crisis hit I had to utilize it to get by. Needless to say the balance was maxed out at {$16000.00} and I did not have the means to repay, which I have completely owned. 

The last activity on this account was a payment made on XXXX XXXX, XXXX and the account shows as closed since XXXX XXXX, XXXX. Furthermore, on XXXX XXXX, XXXX Wells Fargo officially canceled the debt and issued a 1099 ( c ) for the account for which I had to recognize it as income and pay through the IRS that year. 

The issue at hand is that WF Bank, on a monthly basis, continues to report this account as a new charge off with a " Balance '', " Past Due Amount '', and " High Balance '' of {$17000.00}. It is required the lenders provide accurate, up to date, and correct information to the credit bureaus. WF Bank is clearly reporting inaccurate information where they should be reporting aany balance on this LOC as {$0.00} and the reporting of a " Charge Off '' should only be reflecting as a charge off since XXXX XXXX and not a newly charged off account each month. 

I he contacted WF Banks " Consumer Credit Solutions Credit Bureau Dispute Resolution '' department on multiple occasions to have this rectified with zero response. I further contacted the Senior Executive VP of consumer lending for WF to illicit some response to my request by which I received none. This seems to XXXX my last hope that this incorrect information can be rectified.