davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
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. (AR)

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Consumer complaint received 2021-07-29
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: JPMORGAN CHASE & CO. (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc (WA)

On XX/XX/2021 I contacted XXXX  XXXX XXXX And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( FLEXSHOPPER ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want XXXX XXXX to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.
Consumer complaint received 2021-07-29
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: COMMERCE BANK (IL)

There is a charge on my credit card for a product that I never received and would like to dispute. It is a computer keyboard that was supposed to arrive on XX/XX/2021 but I still have not received it today on XX/XX/2021. The merchant does not respond to any communication. Please dispute {$170.00} charge from XX/XX/2021 from XXXX, XXXX CA XXXX US. I've tried to initiate a dispute online and messaged Commerce Bank customer service as well via the online portal, but neither has been successful for initiating the dispute so far.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (SD)

On XX/XX/XXXX, I authorized XXXX to withdraw my {$150.00} transaction for my monthly premium. This month, however ; I was charged twice. I dont have pay day until XX/XX/XXXX, but I am overdrawn in my account now with pending charges. I called my Bank ( USBANK ) to dispute or atop the pending transaction I didnt authorize, but they told me I couldnt do anything until it goes through. I also asked if I was going to be refunded the overdraft fees for my account being negative, and I was told no, because its not the banks fault. So I am going to be negative on my account and get charged overdraft fees for something out of my control. XXXX also said they only see one transaction, so they can not stop any payments. I tried with Usbank and XXXX to fix this before I get charged.
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 — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent a letter to remove personal information and Inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-15
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: HYUNDAI CAPITAL AMERICA (FL)

Kia Motor Finance is showing I have a {$10.00} current open balance for my Kia account. However, Kia is not reporting properly on a monthly basis to XXXX. What they are reporting is a zero balance and closed account. T I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from Kia showing what is owed. Kia finally sent me the letter. 

I've spoken to 4 different Kia Motor Finance supervisors over the phone and no one could help me. I went to the Kia dealership to explain the situation to the account manager. They immediately called Kia Motor Finance- they could not rectify the problem. As of today XX/XX/22 XXXX and XXXX still show that my Kia account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

I transferred {$25000.00} from my checking account using an ACH wire on XX/XX/2021 to my coinbase.com account. The reference number for the transfer is ELECTRONIC/ACH DEBIT COINBASE.COM XXXX XXXX XXXX. The money was never credited to my account. I emailed coinbase.com user support multiple times, but no one ever responds. I spoke with XXXX XXXX at XXXX XXXX XXXX  in NY, which is coinbase 's bank. XXXX tells me that XXXX XXXX received the wire transfer and sent it to coinbase. The trace number for the wire transfer is XXXX and XXXX XXXX direct telephone number is XXXX XXXX. I have provided all of this information to coinbase.com in a series of emails, but they haven't responded. The reference number for the inquiries I have made to coinbase.com is Case # XXXX. Please help!
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (TX)

I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, XXXX to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports.
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

We called Wells Fargo Home Mortgage to get a payoff on our mortgage on XX/XX/, the account representative pulled the payoff in the amount of {$450.00}. The representative advised us that we could not transfer the money online ourselves and advised that she would handle this on the bank side. She got the account information but she entered the information for the account number wrong. OnXX/XX/XXXX my husband realized the amount never came out of our Wells Fargo checking account and called Wells Fargo back to find out why. The representative acknowledged their error and fixed the account draft and processed it correctly. The XXXX cleared our bank account on XX/XX/. 

On XX/XX/, we called Wells Fargo to check on our satisfaction of our lien that had not been processed with the XXXX County Register of Deeds. In NC there is a 30 day requirement to release a lien. The representative advised that they showed the lien had not been released and would send an urgent request to the lien release department to XXXX this paperwork. We were told that a representative would call me with this information. We received no call back. On XX/XX/, we called Wells Fargo back and were advised no additional work had been processed by the lien release department. A case was opened with the executive escalation department. OnXX/XX/XXXX, we called the executive department and received no updates to our request. Around XXXX the same day, a representative named XXXX from Wells called to say he was handling our request. He proceeded to state that my loan was not paid off and that I still owed {$450.00} since the first automatic draft did not complete. While on the phone, we pulled up our bank account and gave the cleared date of our draft. He proceeded to disagree with me even though he had no access to look at our Wells Fargo checking account. We are in receipt of a final payoff letter from Wells Fargo dated XX/XX/ stating our account is paid in full. Our online banking confirms our mortgage account is paid in full. 

Here is our deed information {$160000.00}. Book 2494 page 1761 - 1782 datedXX/XX/XXXX. There is an extreme disconnect from the generation of a payoff letter and processing the release that needs to be investigated. I want this expedited immediately.
Consumer complaint received 2019-04-26
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: SYNCHRONY FINANCIAL (TX)

I have a hard inquiry from this source SYNCB Inquiry : XX/XX/2018  This is the info provided Institution Information SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When this number is contacted it only wants a passcode .... which of course I do not have seeing how I have no idea what this even is. I did not authorize anyone to pull my credit on this date.
Consumer complaint received 2019-04-26
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)

Equifax, XXXX and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC (ID)

I have contacted Loan me with no response. I made a payment on XX/XX/XXXX XXXXnd they are attempting to charge me {$600.00} in interest for 10 days ( last payment was 10 days ago ). This is over 1200 % interest. The loan is supposed to be 84 % interest which would have incurred a {$40.00} interest charge for 10 days. 

I have noticed that ALL payments are showing inconsistent interest charges. I have paid a total of {$2000.00} on this loan and due to the shady and inconsistent interest trying to be charged, I want this loan closed and showed paid in full.
Consumer complaint received 2021-07-29
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. (PA)

This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Date : XX/XX/2020 Name : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX To : CONSUMER FINANCIAL PROTECTION BUREAU Dear Sir/Madam I'm writing this letter to let you know that recently, I just found out that I am a victim of Identify theft. I believe someone illegally used my personal information to make these transaction unauthorized by me. I have never been in this situation before so I am very frustrated and worried about these inaccurate transaction on my bank statement. I will not get any responsibility on these transactions, which are not mine. 

These transactions below need to investigate : These transactions belong to my Chase checking account number : XXXX Chase debit card number : XXXX XX/XX/2020 {$220.00} XX/XX/2020 {$650.00} XX/XX/2020 {$1300.00} XX/XX/2020 {$580.00} XX/XX/2020 {$490.00} XX/XX/2020 {$89.00} XX/XX/2020 {$1100.00} XX/XX/2020 {$480.00} XX/XX/2020 {$130.00} XX/XX/2020 {$350.00} XX/XX/2020 {$39.00} XX/XX/2020 {$190.00} I just finger out these unauthorized transaction in my bank statement. I already report with my bank. Thank you in advance for your prompt action on this matter. I'm looking forward to hearing from you soon. 

Best regards, XXXX XXXX
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

There is an account from portfolio recovery, which has been open in my credit reporting agencies account and it is indicated that the account is under collection which was opened in 2years and 11 months ago. I don't know why they have the account as open for two years and i have never signed any contract with them
Consumer complaint received 2022-04-15
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. (NJ)

N accordance with the fair credit reporting act XXXX account # XXXX / XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-16
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: Self Financial Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

I debt was paid as agreed and on time. They show it as COLLECTION ACTION PAID. That is not accurate. That needs to be removed from all credit reporting agencies XXXX ALPINE CREDIT INC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-06
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 refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent XXXX XXXX XXXX, a XXXX XXXX XXXX erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XXXX  In XXXX XXXX, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX  by phone, I was made aware of the error In XXXX of XXXX I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/. This resulted in a 40 point credit score drop across all 3 reporting agencies.

Since then, I have been in telephone contact with XXXX  disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & XXXX, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.