davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

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


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : CREDIT XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2017-07-06
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: AFNI INC. (IN)

It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's
Consumer complaint received 2017-10-01
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. (AZ)

My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.
Consumer complaint received 2021-10-04
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. (AZ)

On XX/XX/21 I started a dispute process with Equifax regarding inaccuracies on my credit report, a total of 7 accounts. I request method used to verify the debt as well as notification of the outcome of the investigation results. I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the dispute outcome. On XX/XX/21 a second dispute letter was again sent to Equifax requesting a reinvestigation into the 7 accounts with inaccuracies. I again requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the outcome however when I checked my report with Equifax on XX/XX/21 only 1 of the 7 accounts I disputed had been removed. On XX/XX/21 a third dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again I requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or the investigation outcome. On XX/XX/21 a fourth dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again method of verification was requested as well as notification of the investigation outcome. Again no notification from Equifax was received regarding my dispute letter being received in process or the outcome. As of XX/XX/21 the 6 accounts I have been disputing with Equifax remain on my credit report and Equifax has not provided any of the information I've requested or deleted the accounts from my credit report.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Step 1 : What is this complaint about? Chase card member Services continues to reinforce that I made valid charge, yet the company will not tell me what was purchase for the money rendered and who the company really is because I d not recognize the charge. Additionally, despite multiple resolution attempts and email messages on its secure messaging system, they do not seem to read the email requests and answer questions that were never asked. The request is to provide the name of the Company ( its real name and not a Doing Business As fake name which I do not recognize and also to tell me what was purchased for the {$150.00} on the date XX/XX/2019. 

Step 2 : What type of problem are you having? The company is not providing clear answers to the questions asked and is not resolving the dispute. The company continues to say the charge is valid yet it will not produce the actual company name that was given the money, the contact information of the company and the product or service for which the charge was made. The company ( Chase ) has an agreement with the vendor, otherwise the vendor would not accept Chase 's credit card. Chase has a duty and an obligation to provide me the company name its contact information to include phone number, address, website, email address and the product or service that was purchased. Chase is not providing this information despite multiple attempts. 

Step 3 : What happened? Apparently a charge was made for {$150.00} on XX/XX/2019 to a company called XXXX FL XXXX  XXXX. I do not recognize the company. The name makes absolutely no sense to me and I do not know the product or service that was purchased. I've disputed the charge multiple times only to have Chase tell me that the charge is valid. Yet, Chase will not produce the real name of the company, its contact information, nor the product or service purchased. There is not valid reason for hiding and not producing this information to me ( the purchaser ) of the product or service. 

Step 4 : What company is this complaint about? Chase Card member services. 

Step 5 : Who are the people involved? Chase card member Services and a company called XXXX FL XXXX  XXXX. 

Step 6 : Resolution requested : Given that Chase will not produce the requested information and it can not be determined to whom the charge was made, nor what product or service was purchase, I request that the purchase be invalidated and a refund to my card be made of {$150.00} for the XX/XX/2019 purchase.
Consumer complaint received 2017-10-01
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Consumer complaint received 2017-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

1. I provided the credit card company XXXX XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (CA)

Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!
Consumer complaint received 2018-06-04
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: EQUIFAX, INC. (OR)

about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
Consumer complaint received 2017-10-01
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)

My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company XXXX XXXX XXXX to see if they could collect the money owed. XXXX XXXX XXXX did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I  also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but Equifax will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but Equifax still say that the item belongs to me. I even try to get the collection agency on the phone with Equifax, but the representative from Equifax say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked XXXX XXXX XXXX to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
Consumer complaint received 2017-10-01
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. (SC)

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX, and Equifax.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

I pay my charge cards the day after my Social Security Check in put into my bank. 
Last month I paid {$100.00} on XXXX/XXXX/XXXX to XXXX of my charge cards ... Some how Discover Bank took that money and applied it to XXXX of their fake account that they had open in y name!!! costing me {$45.00} in late fees!!! 
XXXX thing gets me about the CFPB XXXX per month complaints against Discover Bank and you do nothing but side with them! 
Also Discover Bank has been sued and lost in every federal court, State court and XXXX courts in the XXXX for setting up fake accounts and stealing money for cardholders, for hacking into people banks and taking theirmoney.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent certified mail over 60 days to the re-investigate accounts reporting wrong but they just ignored me despite i saw the letter delivered.

I will attached a letter here as a 2nd notice for the issues to be resolved.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WA)

I called my card on on XXXX XXXX 2017 before going to get a money order at XXXX XXXX it said that I had XXXX on my card, I got to the store and only XXXX was on it I cant get a hold of anyone or do anything and this is the 2nd time this has happened. I got XXXX dollars taken off my card and no one can tell me where it went or anything I am tired of this and I do not have any recourse on this. <P/>I can not get a hold of any one with Direct Express because the automated system keeps hanging up on me. It says we are experiencing higher than normal call volume and hangs up on me. <P/>this is the only money I get for the month and then I am out of luck.
Consumer complaint received 2020-04-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (TX)

On the credit report, they claim the account was opened on ( 1 ) XX/XX/XXXX and I owed {$2600.00}. 
( 2 ) And on XX/XX/XXXX and I owed {$2800.00}. 
( 3 ) And on XX/XX/XXXX and I owed {$1700.00}. 
( 4 ) And on XX/XX/XXXX and I owed {$5100.00}. 

I don't owe.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (FL)

I supposedly wired money to a fraudulent broker. However, I wired my money to an account with East West Bank- a US based account. They should have done a KYC check, and would be responsible for protecting consumers from fraudulent scams and fraud bank accounts. Loss amount {$370000.00} via wire transfer in 3 separate occurrences to 2 different accounts all by East West Bank. They are engaging in money laundering, letting a fraudulent broker operate with multiple East West Bank accounts.
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I opened my business PayPal account on XX/XX/XXXX to prepare for accepting registration for a continuing education conference to be held XX/XX/XXXX. We opened registration for the conference on XX/XX/XXXX. Paypal flagged the account for review on XX/XX/XXXX. I submitted the requested documents on XX/XX/XXXX. I received an email stating that Paypal would no longer offer us services and would hold the money in our account for 180 days on XX/XX/XXXX. I called and spoke with a representative who said that he would escalate the case for a review after I explained our business and standard conference planning timelines. I was told I would receive an email about it within 24-48 hours. I did not receive an email, so I called again on XX/XX/XXXX. I was told that no appeal was filed and that no appeal could be filed. The decision was permanent and none of the three people I spoke with would be able to explain why our account was terminated. The representative also refused to further escalate my complaint to a higher authority within the company. The documents they requested to review did not adequately describe and define the business we are conducting and there was not a sufficient space provided to give a clear picture of our business. After making their decision based on incomplete information, they would not accept any further documents to inform their decision. I then emailed several Paypal executives whose email addresses are available online and submitted a XXXX XXXX XXXX   complaint in an attempt to make contact with someone with more authority to help me. I have not received a response. 

In the process of seeking resolution, I also discovered that the 180 day hold of funds is illegal - in California where PayPal is headquartered, in Arizona where my XXXX was formed and in Florida where I live and conduct business. PayPal has actually been sued and settled a class action law suit ( Zepeda, et al ) for similar behavior. This activity on PayPal 's part is unfair because they are holding my funds for an unreasonably long time and are, in the mean time, generating income for themselves by collecting interest from the investment of my funds.
Consumer complaint received 2022-08-25
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. (FL)

While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
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  i have attached the identity theft report