davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

This Debt is Past the Statue of Limitation ( 7 years ) the date of discharge is XX/XX/15 I had this Debt removed because it is past the 7 year date of closing of account. I am being harass by this Company thought unfair tactics.
Consumer complaint received 2022-09-21
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. (WA)

This is a renewal of complaint XXXX XXXX. Equifax " company response '' is nonsensical. The complaint is bad faith conduct by CRA by not providing a copy of their " report '' to the subject consumer. As required by state & federal law & the Agreement this company has with the FTC. Please make additional notifications. Said plainly, Equifax ignores its requirement to comply with the law. 

Their explanation is a patronizing series of platitudes, not a statement of facts. CFPB fails to enforce the FCRA which provides that CRAs shall provide a copy of its file upon request. Closing the reference complaint rewards the violation & does nothing to address the issue.
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (PA)

There are 2 issues first of all I have contacted Equifax on 3 separate occasions via certified mail informing them that I have never lived at XXXX XXXX XXXX XXXX pa XXXX. They send me back a report stating they removed it but when I logged into my account it still shows up on my credit file. 
the second issue is that i have several inquiries on my credit file that I never authorized I have tried to contact all 3 credit bureaus but get the run around get them removed i never authorized these and i have a ftc identity theft report showing iam victim of identity theft.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I bought furniture on credit from XXXX XXXX and received a credit of $ XXXX. The card number is XXXX. The credit was actually to Synchrony Bank. I made payment for months, but fell upon difficult time during covid, and went to minimum payments and then no payments. Synchrony started calling me. I want to say without embellishment sometimes it was 5 or 6 a day. Sometimes it was early in the morning sometimes late in the evening.Some However, after dealing with all of the phone calls I started to look closer and the amount due, the balance seemed wrong, I should add that on the evening that I bought the items the salesperson had problems with the computer and could not print copies for me and promised to send them later. I called one or two times afterwards to follow up, but the saleswoman was never avail, and never returned my calls. I finally forgot all about it. Until I started to fall behind. I called once synchrony about the original agreement and was gruffly told that I should have hung on to them and that she could do nothing for me. Then after time I sent a letter asking for signed purchase agreements with my signature. I wanted to review and verify the terms, interest rates, late payment rates, etc. When they finally responded, the sent me a huge stack of payment statements, but never the agreements that I asked for. I am taking too long, your webpager says i am about to time out i will add more later?
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 I was alerted via email about a XXXX  transaction for {$190.00} sent to an XXXX XXXX on my device. As I go to open the email I receive a second email for a transaction of {$95.00} to same person. So I quickly open my Wells Fargo app to double check and sure enough I have some fraudulent activity on my account. I instantly contact Wells Fargo 's Fraud Department to report the transaction. The gentlemen over the over quickly closed and canceled my old account and opened me a one. He claimed the transactions were still pending and he would put a hold on them until further investigation. I told him no investigating needed, because that's the reason why I'm calling you, to report this fraud. He proceeds to give me a case number and tells me I should recieve my money in about 5 days. It is now XX/XX/2022 and no email or phone calls from Wells Fargo. So I decide to call and check up on the status of the case. Over the phone with representative XXXX, he takes down my information and looks into my case. He eventually tells me the case isn't in my favor and that the transaction was completed due to authorization even though I called a week earlier telling them I did not authorize it. I explain to the gentlemen what happened and he says there is nothing the bank will do about the situation. Stating regulations and laws that protect the bank, he claims no fraud was committed but I should have my phone checked because it could have been hacked! And if I have nothing else to say then he has completed his call with me. Tells me sorry for the loss of money.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX amex membership points through the amex platinum card. I try to transfer the points and XXXX and it doesn't allow. I called them and they have no further details on it other than saying it is being reviewed. Why are they freezing my account? I am a customer who has spend over XXXX on all amex cards in 2019.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Intentional deception by Capital One, no changes even though numerous CFPB complaints so far. Hoping more complaints will get them to change their tactics. First time a company has ever been unwilling to elevate a problem I reported, so first time Im filing a complaint against anyone. 

I opened credit card using a 15-month 0 % interest promotion. 
XX/XX/XXXX : I received email of account approval, 0.0 % intro APR on purchases for 15 months, card to be received in XXXX days. 
XX/XX/XXXX : Would be 15-months from that earliest date. ( To be safe I did not assume later date of card activation or first purchase ). NO DATES OR EXPLANATION of the promo period were specified anywhere in the email. 
XX/XX/XXXX : Date of first statement, statement period was XX/XX/XXXX ( matched my expectation above ) to XX/XX/XXXX. Interest Charge Calculation box indicated 0 % on purchases and NO PROMOTIONAL PERIOD OR DATE was indicated or described anywhere on this or any statements. 
XX/XX/XXXX : Statement still showed 0 % rate for Purchases. Standard notations on statement indicated interest charges would be avoided if statement balance was paid in full by the due date of XX/XX/XXXX. 
XX/XX/XXXX : To be safe I paid the FULL STATEMENT balance of {$7000.00} BEFORE statement due date ( XX/XX/XXXX ), and before 15-months from acct open date ( XX/XX/XXXX ). 
XX/XX/XXXX : Statement had Interest Charge of {$55.00}. I confirmed my payment showed received and credited XX/XX/XXXX. The XXXX XXXX Calculation box showed purchases were now subject to 20.49 %. 

I called customer service, had to escalate to a supervisor. At first they were puzzled when I pointed out the payment of the full statement balance BEFORE the statement due date and before 15 months from account open date. After long hold they came back and said it was 15-months from the Promotion OFFER date which would have been on the original offer which was online when I applied for the account, and was in fact XX/XX/XXXX. They admitted no documentation was available to me to back that up in my online documents, and even as a supervisor they could not provide or even pull up for their use a copy of any such document. My only option was to FAX or MAIL a request for a copy of the letter, they didnt even allow use of secure online message center which can be used to dispute charges and is how they respond to most inquiries. 

Requesting refund of {$55.00} interest assessed and any additional interest on my next statement as I will pay that statement balance in full ( AutoPay ) before the due date as well. 

Please work with this company to publish information on their statements the way other companies do ( I can confirm XXXX and XXXX put this on every statement ).
Consumer complaint received 2022-10-11
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. (NC)

I repeat this is not a duplicate, I am filing this because there has been no resolve to this complaint. Read this entire complaint..This is not a duplicate, this company financial data systems is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. Financial data has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, financial data has broken NC laws and Federal laws pertaining to 15CLet it be known to all that financial data systems have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that financial data systems answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government
Consumer complaint received 2022-10-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (AR)

My problem is with Credit Karma they said I was approved for credit and I wasn't. The second problem I have with Credit Karma is they told me my credit score would not be affected by soft credit checks, another lie. My score has dropped drastically because of this action. I no longer look at credit Karma for help for fearing it might do more damage to my credit
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

On the date of XX/XX/2020 JP Morgan Chase closed all of my credit accounts. 
With no valid reason for closing my accounts what so ever. I called the company asking why my accounts were closed unfairly and I would like them to be reopen. Hence I didn't do anything wrong or fraudulent with my accounts.
Consumer complaint received 2022-09-21
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. (DE)

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 I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

The electric bill was closed on XX/XX/XXXX Which brings this bill passed the statute of limitation for this to be on my Credit File, Also the amount is wrong... I've made repeated attempts to get this off my Credit file, which it was removed, ( after the7 years ) then it was Erroneously put back on my Report XX/XX/XXXX. THIS COLLECTION COMPANY tactics are above reproach, and as a United States Veteran who sacrificed for this Country I should not be treated like this by this Company.
Consumer complaint received 2022-09-21
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. (IL)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

At the beginning of XX/XX/2022, my student loan payment jumped from a consistent {$540.00} to {$840.00}. I called and asked why this happened and they said at first it was just the interest and that paying this much would benefit me. They had no programs that would offer holding this amount and no programs for me to refinance the montly payment loan. From there the increase went to {$870.00}, then {$890.00}, {$900.00}, {$940.00}, {$960.00}, and up every month and now my next monthly bill is at {$1000.00}. I have called to ask and plead multiply times why this loan continues to increase and Im always told because of the variable interest rate. Ive asked what my options are because that is almoat my full check and they said, You can make late payments anytime. Ive called and offered {$6500.00} up front to pay off my smallest loan ( the money I saved to purchase an apartment ) as a desperate attempt to decrease my monthly payment and I was denied due to the fact that it needed to be the exact {$7200.00}. Not anything less. The woman said sorry, youll have to make the payments. Ive called multiple times for assistance and each time Im given a number to call. Ive waited on the phone for hours ( one call I was on hold for 53 minutes ) to be told there are no programs to help me that are available and nothing can be done for me. I have paid thousands of dollars to Sallie Mae and i can not get any type of assistance even when offering up front thousands of dollars.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (CA)

My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, XXXX. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.
Consumer complaint received 2020-01-23
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: CITIBANK, N.A. (MA)

Describe what happened, and well send your comments to the companies involved. XXXX XXXX and XXXX/XXXX. 

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX/XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried to obtain a free copy of my credit report for over a month. I have not even received a rejection notice. The problem may have been a recent move, so I have opened a post office box that is easy to validate. I need a free copy of my credit report from each respective credit bureau immediately. Thank you.