davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. (NV)

You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/2022. I checked my credit report on XXXX XXXX and saw an account that I've never seen before. the way if shows on XXXX XXXX is : FEB-RETAIL Credit Limit {$4000.00} Opened XXXX XXXX FEB-RETAIL XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX This is not my account I never opened it. This is Identity theft. I lost XXXX points on my credit report because of it. It needs to get restored.
Consumer complaint received 2018-05-08
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. (AL)

I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, at XXXX XXXX. at EST, I requested a money transfer in the amount of {$450.00} from my Chase checking account to the escrow account as a down payment for a purchase of a house. I was doing the wire transfer per the instructions of the real estate broker who had emailed me and my wife regarding how much and where to wire the money. I copied this receipt and sent it to my loan agent with a text wherein I notified my loan agent that I had just wired the funds. I also texted my real estate broker and notified that I had just wired the funds. They both responded by saying thank you, and the real estate broker said to make sure to let my loan agent know. Both my loan agent and real estate agent knew and confirmed receipt of message. On XX/XX/XXXX my real estate broker called me and said that I was scammed after he had received a call from the escrow officer inquiring about the funds. I and my wife found out that the real estate broker 's email was hacked after we started investigating as to how this happened to us. I immediately contacted Chase Bank, and reported the crime to the XXXX Police Department and filed a report, I contacted the FBI and reported the crime on line, I called the secret service, and I contacted XXXX XXXX XXXX. XXXX XXXX XXXX, through XXXX, stated that they had recovered {$100000.00} but to sign a hold harmless letter for XXXX XXXX to release the funds. I did not sign.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX  never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : 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 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (MS)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have a sum of {$350.00} unavailbled to me because my account is " restricted '' by coinbase. This means I can not move funds into or out of coinbase. 

After repeated inquiries : 1 ) XX/XX/XXXX, that my account was restricted. With a response on XX/XX/XXXX : " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 2 ) Recieved a response on XX/XX/XXXX : " Ive just checked your account and can confirm that your request has been properly escalated. '' 3 ) Recieved no respond to my inquery on XX/XX/XXXX asking for an ETA. 

4 ) Called in today to be told it was escalated ( for the second time ) on XX/XX/XXXX. I have little faith it will change anything.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (WA)

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you
Consumer complaint received 2022-08-01
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. (NY)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number 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 DEPT OF EDXXXX. Posted XXXX on Experian Account number 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 XXXX Account number 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 2019-01-09
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/18 ), Equifax, XXXX, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-07-21
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 am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was a victim of a fraudulent phone scam on XX/XX/XXXX. The unidentified scammer impersonated a XXXX XXXX law enforcement officer and persuaded me to pay a certain officer at the U.S. Treasury Department for two allegedly outstanding, but fraudulent, citations. I was fraudulently induced to pay an electronic transfer fee in the total amount of {$3000.00} from my account at Wells Fargo. Wells Fargo, through XXXX XXXX XXXX, XXXX XXXX XXXX, transferred the funds to the criminals account at XXXX XXXX  on XX/XX/XXXX. Once I realized that this was a scam, I immediately contacted Wells Fargo to notify them. 

I am sure you are familiar with the XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX letter that was submitted to the CFPB. Just in case you are not familiar with letter, I have enclosed a copy of it for you to review. 

The Consumer Financial Protection Bureau ( CFPB ) and the FDIC previously clarified that Regulation E of the Electronic Transfer Act protected victims of fraudulent money transfers, including those who were induced into transferring the money themselves, and the FDIC issued a report in XX/XX/XXXX finding that the banks and the platform were both responsible for fraudulent electronic transfers through this regulation. 

The FDIC states that the EFTA applies notwithstanding that the customer is tricked into fraud.

Given the clarification from the CFPB and the FDIC, it is clear that even though I was fraudulently induced into submitting the XXXX transactions, I am still protected under the CFPB and FDIC since I was a victim of fraud. Given the information above taken directly from the EFTA, FDIC, and the CFPB, Wells Fargo and XXXX XXXX XXXX is responsible to refund the {$3000.00} to my account. Thank you.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX. My phone number is XXXX and my e-mail is XXXX. On XX/XX/18I made a check payable to XXXX XXXX for work XXXX XXXX would be doing on my yard. XXXX XXXX   deposited that check via mobile check deposit, inadvertently into his Chase personal checking account.

Chase bank froze his funds and told him they were being held by the Reclaim Office Investigation Unit. The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX IL told him he would have to go back to me and have my bank place a stop payment on the item. This was branch manager XXXX XXXX.

My institution ( XXXX XXXX XXXX XXXX ) paid on the inclearing item onXX/XX/18. XXXX XXXX XXXX XXXX  indicated to me on XX/XX/18 that there was no legal or legitimate reason they would be able to place a stop on an item that I had written, Chase had negotiated, and they paid. Additionally, XXXX XXXX XXXX XXXX also informed me that they were past their 24 hour deadline to return the item to Chase as unpaid for any reason, including stop payment. XXXX XXXX XXXX XXXX  indicated that this is not the first time that Chase Bank in XXXX XXXX has advised XXXX XXXX XXXX XXXX to " reclaim '' an item on behalf of a check writer. XXXX XXXX XXXX XXXX kindly called the Chase Reclaim Office on my behalf and the representative told them that there was no way they could just give the customer the funds that were his that the issuing check holder had to place a stop payment. XXXX XXXX XXXX XXXX  asked the Chase Reclaim Office how they could illegally place a stop payment at this point. He indicated it was legal. XXXX XXXX XXXX XXXX assured him that was not a legal course of action and he indicated he could not say anymore but that was their policy. This entire conversation was recorded by Chase Bank.

My contact at XXXX XXXX XXXX XXXX is XXXX XXXX, CRCM and VP/Chief Operating Officer. She is more than willing to speak with a representative if need be, XXXX.

I as the consumer have {$1000.00} of funds sitting in Chase bank that can't be accessed and now work on my property won't be done. Chase bank is causing harm to both me and the landscaper ( XXXX XXXX ). XXXX XXXX
Consumer complaint received 2022-07-21
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown’s New Credit Bureau Inc. (MD)

XXXX XXXX XXXX or XXXX Stated " Additionally per this dispute consumer lives in a " closed state for collections '' meaning since Browns Collection conducts business with an AZ license we can not mail anything to the consumer in XXXX Maryland with out a written signed consent. '' I did not nor ever have given consent to be harassed in writing or electronically. MY rights per the Attorney General in Arizona website were violated and FDCA. This is a demand for immediate remedy and recourse. 
XXXX XXXX XXXX The fact that an authorization letter has been sent with a fraudulent address knowingly made with the intent to collect a debt not owed or validated is grounds for identity theft because I never released this information to this company. 

15 USC 1692 15 USC 1681 HR 5332
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. (NY)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2022-07-21
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. (MD)

I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX