davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (NY)

I had applied for and received a HELOC in XX/XX/XXXX through XXXX XXXX. At that time I received notification that my credit score was XXXX supplied by Equifax. Subsequent to that I refinanced my primary mortgage and in order to do so, I needed to close out the HELOC, which I did on XX/XX/XXXX. In XX/XX/XXXX, after I had refinanced my primary mortgage, I applied for a HELOC with XXXX Bank again. On XX/XX/XXXX my credit score was reported by Equifax to be XXXX which XXXX Bank used to lower my tier and increase the rate. 

I made several calls to XXXX Bank and to Equifax to obtain the exact information sent from Equifax to XXXX Bank on XX/XX/XXXX and XX/XX/XXXX because my credit report did not show any major events in that time period. In fact, in that timeframe, the closing of the primary mortgage had been reported but the new loan ( the refinanced mortgage ) had yet to show up on the credit report. So how could only that information cause an almost XXXX point decrease in my credit score. 

I was told several times from Equifax that they only provide the information and the score is calculated by the bank, XXXX Bank in this case. I was hung up on and told that they could provide my current credit score but not the score as it existed on XX/XX/XXXX. I was even told that there was no hard inquiry from XXXX Bank on that date, which a look at my credit report will show is a lie. All this time they knew that erroneous credit scores had been reported. 

This was not just an error, this was a deliberate attempt to mislead a consumer and to obfuscate the failure of Equifax.
Consumer complaint received 2021-09-01
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: Chime Financial Inc (FL)

On XX/XX/XXXX XXXX  confirmed that they were processing a refund. Up until that time, I had not seen the confirmation from XXXX so I proceeded with a dispute on my Chime " Credit building account '' ( false advertisement ) .I then contacted Chime XX/XX/XXXX XXXX EST B/C XXXX stated it could take 5 BSN days to process.they informed me they hadn't received the refund of {$830.00} & to file a dispute. I consistently sent proof via chat of refund confirmation but chime insisted i contact XXXX then stopped replying. XXXX confirmed the Refund was initiated XX/XX/XXXX completed on the XX/XX/XXXX & chime 's dispute was replied to advising the refund was processed successfully on XX/XX/XXXX. Agent/Disputes Supervisor : XXXX ( XXXX ) kept insisting I give the dispute until XXXX to be solved or have them refund AGAIN.At this point I had apple on 3-way ; they verbally confirmed that chime already had the funds, they had replied to the dispute & there was nothin else they could do. Could this be a Regulation CC violation? They also claim that the credit builder account helps build your credit but the only thing the account does is report my balance as if I owe the balance and not reported as true balance which is just money I deposit/transfer. They say it is like a secured credit card but it did nothing but hurt my credit.
Consumer complaint received 2022-10-24
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. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-10-05
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: JPMORGAN CHASE & CO. (CA)

It is XX/XX/XXXX and I haven't received a pair of shoes I ordered on XX/XX/20. Chase refuses to redispute the charge. 

Order Date : XX/XX/20 Order Amount : {$210.00} I ordered shoes with my Chase Sapphire Reserve on XX/XX/20 from XXXX XXXX. A month later, I never received shipping information, so I reached out to XXXX XXXX. They said they would ship them in XXXX. I asked to cancel the order, and XXXX XXXX said no, so I asked Chase to reverse the charge. 

Chase reversed the charge, but then undid the reversal. I then decided to wait until XXXX to get the shoes. 

The shoes were supposed to ship on XX/XX/XXXX. I reached out to the company a few days after this, and they said they were delayed. I reached out a 2nd time, and they stopped responding. XXXX XXXX refused to cancel my order and stopped responding. 

I called Chase and asked to re-dispute the charge, and they said I should send an email to their redispute requests email address. I did this on XX/XX/20, and weeks later ( on XX/XX/20 ) I was told that my dispute was declined. I called Chase again, and they told me to send another email.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

Hello dear sir or madam, XXXX XXXXXXXX XXXX, and Wells Fargo i have both bank accounts last 1 and half year before some reason i closed both accounts pay all amount and then closed accounts and know when i trying to open a new account they cant open my account when i go bank they told me call Custmer service they said you not have any issue at system go bank and open new account please help me i shall be thankful to you
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2022, I applied for a Wells Fargo credit card online. I have cerebral palsy and as I was typing the information online I mistyped the phone number online after I summited the application. Wells Fargo pulled my credit report on XX/XX/2022. After that its been almost one month that I have not received correspondence from Wells Fargo, whether I was approved or denied. The bank advised me that they can not complete the application because I have a fraud alert on my report, which clearly states that they need to call the applicant to complete the information and to contact the phone number that is on the credit report. Now, Wells Fargo is making this very difficult for me, the reason the fraud alert can not be removed is because I've been a victim of identify theft and it strictly says on the fraud alert that to be considered for credit they must contact the consumer and Wells Fargo has failed to follow that statement on the credit report.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

AS A CONSUMER I, XXXX XXXX, HAVE BEEN THOROUGHLY ABUSED AND DECEIVED BY EQUIFAX THE CONSUMER REPORTING AGENCY. THEY HAVE PURSUANT TO 15 USC 1681 ( A ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
THIS FEDERAL LAW HAS BEEN SEVERELY BROKEN BY EQUIFAX AND THE FOLLOWING DOCUMENT PROOF WILL SUPPORT MY INJURIES THAT HAS SUSTAINED AMOUNTING TO XXXX AS A SETTLEMENT FOR THAT IN ADDITION TO XXXX IN VIOLATION COST OVERALL THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION THAT IS RECEIVED WILL BE USED TO FULFILL PURPOSE DUE TO THE COMPLETE AND UTTER CONTEMPT THAT THIS CRA WHO'S GRAVE RESPONSIBILITY IS TO ONLY REPORT INFORMATION THATS FACTUAL FAIR AND IMPARTIAL NEVER RETALIATORY AS WILL BE DECEIVED BELOW WITH THE EVIDENTIARY PROOF ALSO VIOLATING WILLFULLY THE FEDERAL LAW PURSUANT TO 15 USC 1692 ABUSIVE AND DECEPTIVE COLLECTION PRACTICES NOT ONLY BY THE DATA FURNISHER BUT THE REPORTING AGENCY AS WELL. JUST incurable AND DESPICABLE AND I EXPECT TO BE COMPENSATED IMMEDIATELY FOR THE DEVASTATION THAT I HAVE EXPERIENCED AND HAVE ENDURED BY FALLING VICTIM TO THEIR PREY.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-09
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. (AZ)

This is still remaining account on my report which is fraudulent and resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Theres a Bankruptcy thats currently reporting on my credit file with XXXX, XXXX and Equifax. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, XXXX and Equifax. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
Consumer complaint received 2022-10-24
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)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (TX)

This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and XXXX Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies 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. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$270.00}
Consumer complaint received 2022-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

Account was hacked and depleted. I contacted US bank and they investigated and said they wouldnt do anything. XXXX was used to withdrawl {$130.00} out of my checking. Then XXXX was used to withdrawl {$130.00} from savings then once those cleared XXXX was used to withdrwal {$3000.00} from savings clearing me out completely. I have never used XXXX ever. I told my bank that I never authorized this and there should be some protection for this activity. The fraudulent user went under a name of a XXXX  XXXX XXXX XXXX. I asked US Bank that they should have some sort of fingerprint of the transaction and we could be able to go to that user but they said they would not assist. They said everything was done on a device they recognize. I have filed a police report. Im not sure what else to do. There are reported issues with XXXX and scammers but my bank wont do anything to assist me.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I have tried disputing this charge with several debt collectors through the last couple of years. Now, I have received a letter from ERC saying that I owe XXXX XXXX XXXX {$6300.00}. I have never had an account with XXXX XXXX XXXX, do not currently have an account or plan to have an account with them in the future. I wrote a letter to ERC telling them that my identity was stolen in 2018, that I have been disputing all the charges that accumulated by the person who used my identity and for this to be removed from my name and not pursued for this debt that I did NOT do and ensure that it not be on my credit. I sent in a copy of my original FTC report and copy of my drivers license with all my current contact information. No one responded and when I spoke to the last company, they were accusatory and did not accept any of the information I was offering.
Consumer complaint received 2022-12-22
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Consumer complaint received 2022-08-02
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)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-06-09
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)

My rights have been violated

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. 1692C
Consumer complaint received 2022-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.