davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-09-06
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: ERC (TX)

I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Consumer complaint received 2021-09-06
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. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I have a business checking account at JPMorgan Chase bank, there is an unauthorized cash withdrawal that happened on XX/XX/2022, the perpetrator withdraw {$5000.00} cash from my business checking account.Already Notify the locate chase brand ( XXXX XXXX XXXX, XXXX, NY XXXX ) regarding this matter. Based on the withdrawal slip Image I download from my Chase Moblie APP, it wasn't my signature on the withdrawal slip, and I have my ID, and Business Debt card with me all the time.
Consumer complaint received 2022-10-14
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. (CO)

Hello, back in XXXX of 2022 I filed a dispute against inquiries listed on my credit report. I asked Equifax to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked XXXX to give me documentation on how they " verified '' the information as accurate in under 48 hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 


So I'm writing you to investigate the following actions of Equifax for the following items and reasons : CREDIT INFORMATION XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXXXXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX, XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete these unauthorized entries from my report. Thank you!
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (NC)

I received an RV loan from Alliant, through the RV dealer, in XXXX XXXX XXXX  After several months, I noticed that my balance was not decreasing. I had asked for an explanation, and the representative stated " Our consumer loans ( for example, car loans and personal loans ) are simple interest loans. When a payment is made to the loan, any interest that has accrued since the last payment was made always gets satisfied first, and then the rest of the payment amount will be applied to the principal balance. '' My payments are due on the XXXX, however I sometimes wait until the XXXX to pay. Each payment shows a wild variance in how much of my payment is applied to interest versus principal. I have printed out an reviewed each payment made, and subsequent change in allotment to principal versus interest. It looks as though they are double-charging for days of interest, and no explanation has been provided as to why. 

I requested an amortization schedule and discovered that my balance, based on on-time payments, should have decreased by about {$2000.00} over the past 12+ months. That has not happened. In fact, my balance is roughly the same as the original, if not MORE. 

Something is not right here. Either they are purposely mishandling payments, double-charging interest on several days a month, or I got roped into a loan I didn't fully understand by a shady dealer. 

To be clear, I have never been more than 15 days late on making a payment. I have never gone 30 days+. All payments have been made, yet no progress has been made on the loan. 

Thanks for your help.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo has AGAIN allowed unauthorized access to my account. This burdensome company is either acting in gross negligence or is the perpetrator of these fraudulent transactions. I requested the Venmo representative to close my account after the last complaint and apparently they did not. I want to be reimbursed for my burden in addition to remuneration of whatever funds Venmo has participated in extorting me of. My rate is $ XXXX. Send it to my XXXX account, close it immediately after, and re-evaluate your place in the business world. This company is a load of XXXX.
Consumer complaint received 2022-10-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

CCi is a collection company reported on my credit report in XXXX i notice the account and disputed it with the three credit companies explaining in my dispute this is not my account it was open fraud i sent in my police report and driver license XXXX and XXXX told me the account was verified and continue to report this on my credit report the could have not verified because i never open this account and its a fraud account
Consumer complaint received 2021-01-12
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: ID Analytics, Inc. (MO)

SageStream , LLC, Consumer Office,XX/XX/XXXX XXXX, XXXX XXXX, CA XXXX provided FALSE and libelous information to XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX XXXX for an application for an XXXX credit card that I've held before. 

All credit bureaus XXXXXX/XX/XXXX, and XX/XX/XXXX) all state my score as a XXXX. SageStream , LLC, falsely and libelously states my credit score as a XXXX out of XXXX. 

I am a permanent federal employee serving the medical mission of the federal government previously at DoD and VA and my job requires me to move frequently. SageStream , LLC used my movement and change of phone numbers as a permanent federal civilian employee serving during the pandemic TO DENY MY CREDIT. 

IF XX/XX/XXXX and XX/XX/XXXX state my credit worthiness as XXXX, where does SageStream , LLC get the XXXX number? It doesn't, SageStream , LLC LIED.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

XX/XX/2022 I the Consumer applied for a mortgage with wellsfargo. I without asking uploaded my paystubs to their portal. WellsFargo used my SSN ( credit card ) to run my credit as well. XXXX XXXX called me and asked me some questions. She asked about my citizenship status and if I pay taxes. I'm not a citizen  I'm XXXX XXXX  which wellsfargo does not have an option for so I selected non citizen. Wellsfargo never asked me to submit any documentation proving that. Their Rep even stated that because I do not pay taxes I can not get a home loan. Which is not true! They discriminated against and DENIED I, the Consumer Credit. Wellsfargo violated 15 US C 168m and 12 cfr 1002 because I Again the Consumer, did an application in good faith, but credit was not issued. Wellsfargo discriminated Against me for not paying taxes and being a non citizen. Please see attached email from XXXX. Wellsfargo has done FRAUDULENT ACTIVITY ( unauthorized use of credit card 15 USC 1602p )
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (ND)

I have sent my mortgage payments to this address since XXXX. They have never mailed out a coupon book or monthly statements to pay this mortgage. I just keep using the first one I received when they took over my loan. I dont even know what date my loan is due. It is like they want me to miss a payment. And they never sent any communication that I had missed a payment, just received a letter that I was in default. 

I received a letter on XX/XX/22 saying I was in default loan and if I didn't pay two monthly payments {$1900.00} and escrow advance balance due {$1700.00} that they would foreclose on my home. I have copies of the checks that were cashed and escrow is included in the monthly payment ( which is for my house insurance ). I have never had any issues with the previous mortgage company. 

Please help me with this company... I don't want to lose my home. 

I wonder how many other individuals have lost their home because of these practices. This Finance company is in the business to taking people 's homes from them not to help them. 

Thank you Attachments
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX  US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries XXXX XXXX Equifax 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 equifax US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax 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  US Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: JPMORGAN CHASE & CO. (CA)

Chase Bank recommended we apply for a loan modification for a mortgage loan we have with them. We followed all the steps which they required. 11 months later we received notice that the loan application had taken too long and had been cancelled. This resulted in a massive lowering of our credit scores. The reason the loan took long to complete was because there was a problem getting the documents signed. My daughter and I live in different states. 3 times we both went to a notary to sign documents and all 3 times Chase said they done incorrectly. Without notice they then closed the loan. We were never told of late payments. We have been paying on the mortgage on time for 10 years. We don't need a loan modification anyway and would just like our credit to be restored. We did nothing wrong and shouldn't be punished. The people I talked to were useless in helping with this issue. Even though they said they researched the problem they really only looked at the loan and saw that he had been closed. I have the list of people I have talked to and can attach. The loan is now totally up to date in payments and there is no reason Chase can not restore our credit. It was their mistake and needs to be fixed.
Consumer complaint received 2021-01-15
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. (GA)

I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.
Consumer complaint received 2022-08-10
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. (OK)

On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.
Consumer complaint received 2021-03-12
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)

my information was used fraudulently by an unknown individual with my consent, resulting in numerous open account that was not paid. i was confused when i saw my credit report with all these debt that was not mined, i wonder how is that allowed by creditors who open these credit lines. i was told by a friend who had it happened that i can get some if not all removed from my credit report, i am really hoping that happened for me. my identity was stolen badly.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (NC)

THIS IS NOT A DUPLICATE COMPLAINT. 

Company has violated CFPB regulations and Federal laws. You have unlawfully provided me ( the consumer ) with a financial product ( Apple Card ) which is not in conformity with Federal Consumer Financial Law.

Company purposefully omitted the third party information disclosure opt-out option from their privacy policy.

Company purposefully omitted instructions on how I ( the consumer ) can exercise my right to opt-out of third party disclosures.

Company unlawfully committed the abusive act of disclosing my nonpublic personal information to non affiliated third parties ; XXXX, XXXX, and XXXX.
Consumer complaint received 2022-10-14
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: EPA USA INC (GA)

I EXPRESSLY REQUEST YOU TO ABIDE BY THE LAW passed by the US Congress in XX/XX/XXXX and send the required disclosures pursuant to 12 CFR part 1006.42 or delete this false and negative item from my credit file. 

On XX/XX/XXXX I wrote a letter requesting Validation of this alleged debt and have yet to receive a response. By law, you are required to respond within 30 days or delete this felonious and negative item from my credit file. Therefore, you have already violated the law and this is another notice I am sending you. 


Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. 



You are hereby on notice to abide by the law.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, Experian has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.
Consumer complaint received 2022-10-14
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: Westlake Services, LLC (CA)

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 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.