davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

I applied with Chase bank for their Southwest Airlines mileage card. The application was at the beginning of XX/XX/2022. In the online application process, their webpage leads to me a message page that Chase will send me a mail telling me the application decision. However, after one month, I haven't got any decision from Chase. Also, don't see any reason for decline or adverse action reasons. 

I applied for the same card with Chase last year. It was also in the same situation : Chase never sent me any decline reasons or decisions in the mail, email, or web communication. 

They can not just simply ignore customers or decline without sending adverse action.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

XXXX ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time.

They shouldnt run credit three times to try and get a credit card
Consumer complaint received 2021-08-27
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: NRA Group, LLC (NY)

I found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. 

According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX  referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX  about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. 

I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. 

Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-13
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. (FL)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-13
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. (CT)

UPDATE TO CLAIM # XXXX EQUIFAX HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EQUIFAX ALONG WITH A 3949 IRS FORM.
Consumer complaint received 2022-07-13
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. (IL)

I am disappointed to see that the Credit Reporting Agencies are not giving their all in order to remove the accounts from my Credit Report that resulted due to Identity Theft. The Credit Bureaus failed to comply with the FCRA regulation section 605b and continued the reporting of the Disputed Items without proper Verification despite all my efforts to inform the Credit Bureaus regarding the matter. I have been sending multiple written appeals to the Credit Bureaus asking them to remove the accounts the fraudulent accounts completely from my Credit File. On my Previous letter sent on XX/XX/XXXX, I emphasized the importance of the Fair Credit Reporting Act section 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I am a victim of Identity theft and I never received any benefits from the theft of my Identity. The Credit Bureaus can not decline to remove these accounts since I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions. I am Submitting this complaint today to remind the Credit Bureaus that they have to comply with the Federal Law FCRA section 605b and remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-13
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. (IN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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 and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2022-07-13
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

US BANK XX/XX/2019
Consumer complaint received 2022-07-13
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)

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (AR)

I submitted a letter to the Equifax and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (TX)

I was doing a refinance of my residence with Sofi home loans. The property is XXXX, Texasd. The day of closing Sofi adviced me that they had to do a re-inspection and handrails needed to me added to my property back staircase. At no point did they contact me to tell me of an issue before the day of closing. I asked my loan officer to give me a copy of my appraisal which i had paid for and had been performed by XXXX XXXX XXXX XXXX based out of XXXX, Texas ph ( XXXX ) XXXX. She said she could not do that because my loan was in re-inspection. Can a lender deny me a copy of an appraisal that i paid for?
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-13
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. (CT)

Hello, I requested over 3 times for proof/verification that XXXX XXXX XXXX XXXX fraudulent/unverified account reported on my Credit report via Equifax is mine, and to be removed/deleted. I've submitted over 3 disputes letters requesting proof/verification that this reported account is mine and accurate. They continuously Failed to provide proof, but I see changes made to my credit account such as increase/decrease to my score, and date changes etc. How is that? I advised them multiple times this account isn't mine. Equifax continues to dismiss my request, and send me automated responses via their e-Oscar system. 

They clearly have No proof, and refuse to thoroughly investigate and remove/delete this fraudulent account from my credit report. Under the FCRA, failure to verify/provide me a copy of verifiable proof that I physically signed and agreed to this account, then you must remove the account. 

This a violation of Federal Law. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (IL)

Old National purchased FirstMidwest and rolled over FirstMidwest 's systems to Old National systems. After the conversion process, I am unable to access my account ( as well as my XXXX daughters ' accounts ). I have attempted to make contact via email, phone, and XXXX. They will not respond to email or XXXX. They will not answer their phone - I've been on hold for over 2 hours to no avail. 

They are holding my money hostage, no different than a third-world bank. Absolutely atrocious customer service.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc. (IN)

On XX/XX/2022 I discovered via XXXX that a new collection had been added to my record. I saw that it was a company I had never heard of but because Im not familiar with all of the collection agencies there are I decided to wait it out and see how I could pay them and what they were collecting on. As of XX/XX/2022 I have still not received any form of communication from the Stark Collection Agency. I attempted to dispute this account in the hopes that the collection agency will verify ownership and give me options to pay. I have visited their website but there is no way to look up my account because I have not been given an account number. I want to resolve this but have not been given the options to do so.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Zero Parallel, LLC (CA)

The XXXX XXXX XXXX, who already have been on XXXX radar many times, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-zero-parallel-steering-consumers-toward-bad-deals/ continue to defraud Us citizens XXXX his companies https : //www.zeroparallel.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX link to his private registration page XXXX XXXX XXXX XXXX  Please take the action. 
Respect, XXXX.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax XXXX XXXX XXXX XXXXXXXX request that you contact XXXXXXXX XXXX XXXX  because { YOU } do not show address, on your credit report NOR no account number, document enclosed,. I request from XXXX XXXX XXXX  to send myself a copy of date last alleged activity, date last payment account number, balance. As for YOUR credit reporting this should be removed from my credit report for inaccurate, incomplete reporting by YOU. 15 U.S.code 1681i
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act account Bankruptcy # XXXX, account Bankruptcy # XXXX, Account Bankruptcy # XXXX, account XXXXXXXX XXXX XXXX # 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 with out my written consent.
Consumer complaint received 2022-06-09
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: Payday America Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts Acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please see attached.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CBE Group, Inc. (TX)

Ask my identity and address said I owed some ridiculous amount of money for a modem from my internet provider that I returned in the first place. I finally got the wrongful charge taken off of my credit report and even XXXX the internet provider called me and confirmed that I returned the router.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

Mortgage fraud bank fraud criminal deprivation extortion. Wells Fargo is committing fraud forcing foreclosure with bogus fees adding several principal balances to my mortgage not allocating payments correctly not applying correct amounts to mortgage insurance policy escrow etc increasing payments changing mortgage documents to make it look like they are not at fault.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX ( Creditor ) continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.