davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-20
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)

I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late
Consumer complaint received 2022-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AZ)

I purchased an Item from a company called XXXX XXXX and used Affirm through XXXX XXXX website this was purchased XX/XX/2022. We contacted XXXX XXXX monthly to get updates on status of order and was told every month that the item was not in yet and they kept pushing the projected date for 30 days. On XX/XX/XXXX I contacted them again through email inquiring about the product they told me again it was not in yet and the projected date of item being in stock XX/XX/2022. On XX/XX/XXXX XXXX XXXX closed all shops without warning, and never sent product. The issue is we have this loan with affirm for this product that we let them know we never received and we submitted all documentation that supports this along with the emails that I contacted the company and what we were told, nor Affirm is giving me the run around and telling me I still have to pay this loan even though I never received the product and have already made XXXX payments totaling over {$400.00} dollars, they have not opened up a dispute on this and keeps sending me these same cookie cutter emails every time I send them the proof of the order and not reciving the product.
Consumer complaint received 2022-06-20
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-20
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: Kikoff Inc. (AL)

You are reporting an account that was opened fraudulently by my biological father in the amount of {$12.00}. This account needs to be deleted from the record as it's not something I signed up for. I spoke with XXXX and they said it's something your company needs to remove on your end first because you keep responding that it is accurate. Please reach out to the police department on the police report attached below if you have any questions about this case. Please delete this account immediately and stop reporting it to XXXX. 

Account Name XXXX
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Originally called and reported some fraud charges on my Chase Debit Card on XX/XX/XXXX. Reported charges that I was able to see at that moment and told them if I found anymore I would call back and let them know so they can help me out with the fraudulent charges I had been experiencing. 
They agreed that those charges were not on my behalf and authorized the funds back since I didnt make those transactions. They closed the card out and replaced it with a new and everything was fine. I finally had time to look at previous bank statements and noticed some more charges from XXXX and XXXX and called to Report those charges to the original claim that was made on XX/XX/XXXX. Again, those disputed charges were reversed and they agreed that it wasnt authorized on my behalf. Now in XXXX, I called because I had time to review statements from back in XXXX and they helped submit a claim for those charges. Well now they state that those charges in XXXX were outside the 60 day window to dispute charges and wasnt originally attached to the XXXX Claim and they took away all the settled fraud disputes after they were already acknowledged to not have been made by myself. I called and spoke to a supervisor who said that unfortunately when they submitted the XXXX charges in XXXX it removed all the settled claims from my bank account since they stated that the XXXX Charges werent made past the 60day rule and that there was nothing they can do. I just dont understand how they didnt tell me this upfront when submitting the claim in XXXX that it can affect the original claim that was already approved from XXXX. Really disappointed and extremely upset and how there is not clear upfront explanation. They have now left my account owing thousands of dollars and with not help insight where I can submit my case.
Consumer complaint received 2022-06-20
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: AmeriCollect (GA)

In accordance with the Fair Credit Reporting act AmeriCollect, 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 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've reached out to this reporting agency on several occasions. Most recently, XX/XX/2021. This original debt was owned by XXXX XXXX, and was sold to XXXX. During the past few months this item has appeared back onto my credit report, re-aged. A complete violation of my rights. The debt collection company and credit bureau have both neglected to verify that I am the owner of this debt and am legally obligated to pay this debt in the 30 day time frame allotted. I would like this account removed from reports immediately.
Consumer complaint received 2022-06-20
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

We rented a house through XXXX XXXX XXXX in XXXX, GA, while we looked for a house to purchase after selling our home. We signed a 12 month lease. However, we found a new house much sooner than anticipated. I contacted XXXX XXXX XXXX and let them know, we paid everything owed to them and left the property cleaner than it was when we moved in. According to the move out paperwork the company provided, we had paid everything owed. I even emailed an employee and she confirmed that we were paid up and didn't owe anything else. Several months later the company said we owed an additional XXXX dollars. I replied to that email with the response from the employee and didn't hear anything else. However, they sent the account to a debt collection law firm, and even after sending the correspondence from the employee who said our debt was paid, they continue to attempt to collect the debt and have placed it on our credit report. I also filed a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (IL)

Well what happened I was in hospital having a XXXX due too so much stress going on and flagship towed my car which is fine but they could call me too see what happened and then the people they sent went in my car trashed it and didn't return my items they put some in garage bags but didn't get permission to enter the car but now I want me to pick it back up when I don't know what was done too it so I want to sue but I can have consideration but I don't know but some unlawful things took place that I'm not wanting to deal with I work for state so I'm not trying get in trouble for nobody..
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MN)

I applied for a U.S. Bank Secured Credit Card so I can start rebuilding my credit. My application for the U.S. Bank Secured Credit Card denied due to me having previous credit card and checking accounts that was discharged under XXXX XXXX  Bankruptcy in the United States District Court District of XXXX Bankruptcy Court on XXXX XXXX. U.S. Bank has violated the Equal Credit Opportunity Act ( ECOA ) under federal law by discriminating against me on the basis of my race and me filing bankruptcy and having previous accounts with U.S. Bank, discharged under XXXX XXXX Bankruptcy in connection with denial of credit.
Consumer complaint received 2019-11-25
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. (VA)

Report to Equifax to remove hard inquiry as stated in your letter dated XX/XX/2019 and XX/XX/2019. It is still not reported and your wrong hard inquiry is still existing on my recent credit report.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Mr Cooper has evidently bought my mortgage from XXXX XXXX, and it has been an absolute nightmare from the beginning date of XX/XX/XXXX. I asked them to remove the PMI from my account and after stating that I don't have enough equity and I can pay {$150.00} to have a broker appraisal done. Even though they show on their website that I'm sitting at 52 % ownership position with {$180000.00} ( uploaded copy below ) of equity and a loan balance of {$160000.00} and I know they are wrong ; I agreed to go ahead and have an outside opinion scheduled so they can no longer use that as an excuse. They actually sent me an email from their PMI department ( uploaded copy below ) stating that I purchased the property for {$160000.00} and the current loan balance is {$190000.00} which is the exact opposite of the facts. I purchased the property in XXXX for {$190000.00} and my current loan balance is approximately {$160000.00}.
Consumer complaint received 2022-06-20
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. (AL)

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX  {$590.00} open on XX/XX/XXXX account number XXXX XXXX  XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent a dispute to Equifax and XXXX about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NC)

On XXXX XXXX, 2019 a call was initiated to LENDING CLUB due you to possible fraud activity. I spoke with several representatives XXXX XXXX, XXXX XXXX @ Ext : XXXX, Who were combative and failed to properly assist my concerns in reference to my account with LENDING CLUB. I was transferred then to another employee with LENDING CLUB by the name of XXXX XXXX who stated he is a supervisor in the payment solutions department. XXXX This complaint is to make notice of deceptive practices and unethical collecting this company has performed today. XXXX XXXX the supervisor admitted they documented wrong details pertaining to my account & admit to a breach of agreement took place on XX/XX/2019 and XXXX XXXX, 2019 ... Where multiple payments in the total of XXXX not even including over draft fees was withdrawn from my bank account without notice and without my consent by an employee by the name XXXX. The abuse of practice is a direct violation of the F.D.C.P.A Regulations Due to the errors made by LENDING CLUB it has adversely affected my credit report and impeding on my ability to obtain necessary credit. Time is of the essence so I expect your compliance of my request by the rules according to the FCRA Thank you for indicating your intention with resolving this matter
Consumer complaint received 2022-06-19
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Bank 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
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

On XX/XX/2022, I did a dispute with my bank for a transaction of a product that I purchased from XXXX and did not receive. I did the dispute with XXXX first and was told by XXXX that the transaction was not covered under there refund policy for lost or stolen packages, and they instructed me to dispute the charge with my bank. So, I did that. Then I noticed there were two other transactions that I did not authorize on my account, so I disputed those as well. Within 2 hours of disputing the 2 unauthorized transactions I got a response saying no error found which I was confused because when I made the 1st transaction with XXXX I got an email confirming my order, tracking information, and delivery noticed. I have been taken pro-cation to keep my account, debit card, and personal information protected. I had several incidents with XXXX XXXX that I disputed so I got bank through my bank some I had to get police reports and go through XXXX XXXX. If there's an unauthorized transaction on my account, I will notify my bank and request the help to get my money bank. I don't know why but for some reason Chime sent me an email saying they're closing my account on XX/XX/XXXX. I have paychecks, bill payments and etc. coming out of this account and just because they felt it they're closing my account. My dispute for the package I never received still says pending and when I asked them what will happen they basically said once it's done they will send me a check. I have refunds from XXXX that are going to the account and after XX/XX/XXXX I have no access to the funds. I feel like this is very heartbreaking that they will just close my account for something I had no control over. It's a pandemic still going on and people are scamming left and right I tried my hardest to keep my information protected but one wrong click from an email can get your information stolen and or a site you thing is good and you order clothes from it. I keep getting emails from Chime saying my account was locked due to fraudulent activity. Which I'm not doing. I have a government job and I have kids. I will not do anything illegal to get me taken from them or lose my job.
Consumer complaint received 2022-06-19
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX  OF A Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-06-19
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)

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

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (SC)

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 instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

FINANCIAL DATA SYSTE- XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX I have no knowledge of these account, nor do I know what these are Original creditor : N/A XXXX Original creditor : N/A XXXX Original creditor : N/A XXXX