davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (NV)

I received this letter today from Equifax asking for proof of identity. I am enclosing I'd, ss # and police report fromXX/XX/XXXX where I did a police report 2 months ago for idenity theft. I found numerous accounts on my credit report that's not mine nor did I authorize. All these accounts were open online. Without my knowledge. Please remove the following from my credit report. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX XXXX XXXX x3 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : : : : : : : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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)

Two months ago I contacted Equifax about the following fraudulent account XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/2014, Balance : {$2100.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-02-12
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. (TX)

I went to dispute my credit report, there was many discrepencies post on XXXX  XXXX  site bothe with XXXX and equifax. I disputed some items on XXXX  side of XXXX  XXXX then went to post disputes on equifax site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX  XXXX pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using XXXX  XXXX   site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX  XXXX  TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX  XXXX
Consumer complaint received 2022-08-03
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

I had a money order sent to me in a form of a check for finishing up some work for a lady online, I put in some hours on the computer as well as sold some things to her. 

The check went through to my bank account so I spent it on a fee things and then check then was bounced. 

My bank account ( US bank ) should not allow any checks to come through If it could be fraud, now Im stuck with a negative balance.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I am only late with XXXX ( 2022 ) payment -- -- because my Monthly payment when up some {$200.00} -- -- because they under estimate my escrow -- years a go -- - ( some where around {$820.00} ) -- The wife and i are XXXX & XXXX and on a low fix income ... IT THEY THAT MADE THE MISTAKE AND IT HURTING US.. -- XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX -Company is PNC Bank ( Mortgage ) Loan # XXXX XXXX is -- -- -- -- XXXX XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WI)

This complaint surrounds Chase Bank. I received notice roughly 3 days after opening a checking account with a {$380.00} cash deposit. I do not revollect the exact day of XXXX, 2022, however I believe between the 3rd and the 7th maybe? Anyway, the best part of the transaction was opening it with XXXX XXXX He and I spoke about many things while going through the motions of opening the account. A few days later I walked into the same branch in XXXX, Wisconsin to inquire about home loans. He abruptly informed me that your account was closed due to fraud. I had no idea what he was talking about and after a brief conversation I shook his hand and left in disbelief. The next day I called and told him I think I knew why. While living in Arizona, I had a chase checking account where I deposited a check for {$12000.00} for the sale of my boat. Not long after that deposit my account was not accessible. I went into the Chase Branch in XXXX, Arizona to ask why and I was eventually told that the check I deposited was fraudulent from a couple of days before. Unknowingly, and using my checking account while staying in XXXX XXXX, Wisconsin with a friend and looking for a place to live. I eventually withdrew my remaining balance and opened another account at another institution closer to housing I had found in northern Wisconsin. Upon closure of that Chase Account in XXXX XXXX the people there were very nice and said I was welcome back anytime at Chase. Then I get this news from Chase in XXXX that my account was closed due to fraudulent activity on an earlier account in Arizona. I then called XXXX and attemently explained that was not my fault. All I did was deposit a cashiers check that I had no idea was fraudulent and now I am just as guilty as the perpetrators. I have my reasons for wondering why Chase acted in this capacity, but one thing is for certain, something stinks to high heaven. Ultimately, I want the name of the individual ( s ) responsible for this embarrassing and unwarranted reaction to something that was absolutely not my fault, and Chase in XXXX Arizona opened up another account for me right away and for being a vetersn.. In closing, I am absolutely asking for the name ( s ) of the people responsible for all of this upheavel.if this instruction is not folliwef by Chase XXXX, they can expect any and all legal boundsrues used against them.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX {$110.00} XXXX XXXX {$300.00} COMNWLTH FIN {$1600.00} COMNWLTH FIN {$1100.00} COMNWLTH FIN {$550.00} COMNWLTH FIN {$550.00} Every one of these charges on my credit has been fraudulent. I have never received medical treatment from the types of doctors listed, nor anywhere near the dates issued.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

PayPal account was compromised XX/XX/XXXX, unauthorized user made 3 purchases to XXXX. Called next morning to open case since unable to report online and case was opened. Saw payment/shipping confirmation and immediately opened duplicate case online on XX/XX/XXXX. Was able to get refunded on those 2 transactions. Waited patiently for 3rd ( payment/shipping confirmation on XXXX ) because email noted a case already existed. However, it seems that the phone call did not cover all transactions as noted and required filing 3rd case online. 

3rd case case was denied. Noted " Consistent with PayPal purchase history ''. Yet I have never purchased from this vendor before, let alone purchase apparel or footware online. The only consistency from prior history was the previous unauthorized transactions from the prior day from the same vendor, on the same items, to the same address. Paypal claim notes " After checking the activity from XXXX XXXX 2021 I can see good log ins from Consistent IP ''. However the issue occured on XX/XX/XXXX and payment was confirmed XXXX when vendor shipped product. PayPal is ignoring the the most relevant point in the case, which is payment authorization date, not payment confirmation date.
Consumer complaint received 2022-10-06
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. (CA)

I was a victim of a fraudulent transaction consisting of using the XXXX  platform on chase on XX/XX/2022. The amount was of two transactions of XXXX each or XXXX in total. I went to my bank and they said there was nothing they could do to solve this problem.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2020 I made a {$300.00} payment on my Synchrony Bank Amazon Credit Card. My credit limit is {$400.00} and I made an EARLY payment for more than the minimum due. The payment cleared my bank on XX/XX/2020. I attempted to make a purchase today using my Amazon Card and it was declined. I called the customer service number for Synchrony Bank and spoke with a customer service representative. I informed the rep of my payment, advised him it has cleared my bank, and asked why I was showing a balance of {$34.00}, available to spend amount of only {$32.00}, when I have a total credit limit of {$400.00} The representative informed me that because I made a payment in the amount greater than what was soon to be due, Synchrony placed a hold on the payment for 5-7 days before they will fully credit it to my account. I inquired why they were holding the payment since it has already cleared the bank and does show on the Synchrony website as being applied ; the customer service rep stated " because that's how we process large payments, we place a hold on them ''. I requested the representative direct me to the language in the pamphlet I received with my credit card that advises me Synchrony can place holds on applying payments, that have already cleared the bank, to my account. The customer service rep stated that the pamphlet does not contain any such language, its just " something we do ''. I have never missed a payment, never had a late payment, never bounced a payment and yet Synchrony took the money and will not provide me the credit for doing so. Furthermore, the service rep advised me if I would have waited until the due date and paid just the minimum due- no hold would have been placed on the account. It appears Synchrony is " punishing '' those who can afford to pay off their balances and then refuses to credit them the payment in the " amount to spend '' for 5-7 days.
Consumer complaint received 2020-02-12
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (CT)

This complaint in regards to the dispute I filed against " XXXX XXXX '' which is now known as Great Lakes. These are student loans that were taking out years XX/XX/XXXXXX/XX/XXXX. 

1. Each trade-line is missing the " account opened '' date or an inaccurate one 2. They claim I made payments at specific time frames but the federal student loan date website shows no payments were made during those time frames. 

3. I have consolidated all my student loans through XXXX   and have made on time payments for three years straight and only have a remaining balance of {$350.00} 4. I wrote to XXXX, XXXX, and XXXX to have the 5 delinquent accounts deleted as they first defaulted in XX/XX/XXXX. It has been 11 years and should no longer show on my credit report. Also, the accounts has been paid in full through consolidation. They came back with the accounts as valid. 

5. I have written and spent hours on the phone with Great Lakes the following student loan providers listed on the National Student Loan Data : XXXX XXXX XXXX, XXXX, and XXXX  XXXX XXXX. None of the companies above have records of my account with them. They have all referred me to XXXX  who says I have made every payment on time and they do not know where those 5 derogatory marks originate from. 

I have no idea how the credit bureaus were able to " validate '' these loans no one had information to my account except for XXXX  who I have an exceptional payment history with. Although these loans are from XX/XX/XXXX, and first date of default in XX/XX/XXXX - they are for whatever reason showing up as much more recent and keeping me from specific credit cards, loans, and credit limit increases. I am trying to diversify my credit and what seems to be an obvious mistake is keeping me from this.
Consumer complaint received 2022-08-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681, section 602 A. states I have the right to privacy 15 U.S.C 1681 SECTION 604 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2022-01-18
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (OH)

My XXXX Credit Repot has a Amcol Systems Inc. reporting a debt from XXXX XXXX XXXX for a debt of $ XXXX. I had a case in litigation in Nevada Appeal No. XXXX Claim #  XXXX which just settled and I was waiting on a settlement check from XXXX XXXX. I was just able to cash the check and had planned on paying the bill owed in the case until I saw that Amcol Systems had lowered my credit score by the information they place on my credit report earlier. I do not believe they should have been able to place anything negative on my credit report while the case was in litigation. Until they had contacted me and understood the case was in litigation. I believe they violated the Consumer Protection Act. with their reckless acts and have put adverse affects on my credit report.
Consumer complaint received 2021-05-18
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. (NY)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.