davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX Account # : XXXX I have disputed this account information as inaccurate with Equifax . I have not received a response from Equifax and I understand the FCRA requires credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report.
Consumer complaint received 2020-10-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-10-06
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (AZ)

I disputed my chapter XXXX bk on my credit report. My XXXX  XXXX  was frozen for security reasons at the time. Yet when I disputed it they said they verified with a company ( XXXX XXXX ) XXXX XXXX said that it wouldn't be possible while it frozen. I know because the same thing happened on my XXXX and they were un able to verify it just weeks earlier when I disputes it with them I reached out to the court out of cuirousity and they said they don't report any info to the bereaus. Experian lied when giving info on my dispute.
Consumer complaint received 2022-04-06
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: SYNCHRONY FINANCIAL (CA)

I never received the merchandise for this order placed on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had originally contacted the merchant on XX/XX/2022, and XX/XX/XXXX both via email ( see attachment enclosed ) and telephone, both times the merchant has confirmed saying that no sales were to be finalized ( C.O.D. ) The merchant assured me there wouldn't be a charge made to my account. 

XXXX TO SHIP TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX INVOICE XXXX DATE XX/XX/2022 TERMS Due on receipt DUE DATE XX/XX/2022 SHIP VIA XXXX priority mail QTY ACTIVITY RATE AMOUNT XXXX MUSIC INSTRUMENTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ship smaller XXXX as agreed over the phone - reduced to {$230.00} instead of {$250.00} Reduced shipping from {$60.00} to {$55.00} SUBTOTAL XXXX TAX XXXX SHIPPING XXXX TOTAL XXXX XXXX DUE {$290.00}
Consumer complaint received 2022-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

SINCE YESTERDAY XX/XX/XXXX I AM TRYING TO TRANSFER MONEY TO MY ORIGIN COUNTRY ( XXXX ). I ENTER ALL DATA TO SEND USD XXXX TO MY COMPANY IN XXXX BUT CITIBANK ASK ME TO MAKE A PHONE CALL FOR SECURITY REASON ( DESPITE ) I HAVE ENTER ALL SECURITY PASSWORDS AND QUESTIONS. 
IS NOT THE FIRST TIME I HAVE PROBLEMS WITH THIS BANK. 
ITS SO MEDIOCRE. I M GETTING OUT OF THAT BANK BUT I NEED TO MAKE THE TRANSFER. ITS SO FRSUTRATING TO HAVING YOUR MONEY WHEN YOU NEED TO.
Consumer complaint received 2019-04-14
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: Navient Solutions, LLC. (NH)

I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.
Consumer complaint received 2020-07-24
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: WELLS FARGO & COMPANY (NJ)

Upon checking my XXXX credit report, a private student loan through Wells Fargo XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with XXXX on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.
Consumer complaint received 2022-04-06
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. (CA)

I recently paid off XXXX in credit card debt, 5 weeks ago. My credit report still states an 83 % usage of rotating credit. This is incorrect, the time it takes for agencies to improve your score after paying debt off, is far longer than usage impacts your credit score. This is unfair and wrong, how long will it take for my credit score to be reflective of my good credit???
Consumer complaint received 2019-04-14
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: CITIBANK, N.A. (MI)

This is a continuation of a previous CFPB Complaint under Case # XXXX. Please refer it for detailed background description. We are very satisfy with the XX/XX/XXXX letter response from XXXX XXXX of Citi Execute Response Team. The letter is attached for your reference. 

However, the XX/XX/XXXX charge in dispute is reappeared on our bill on XX/XX/XXXX. The statement file is attached for your reference. During the period of XX/XX/XXXX - XX/XX/XXXX, we received ZERO communication from Citi. From XX/XX/XXXX to now, we have made numerous phone calls to Citi and received ZERO promised return phone calls. This is in direct contradiction of the statement in XXXX XXXX letter : " Should the merchant provide documentation to support their claim, we will contact you at that time to discuss the details of their response. '' As we are the direct witness of the Merchant misrepresentation, any falsified documents or statements from the Merchant in this dispute can be easily uncovered by us. All it needs to take place is for the Citi investigator to communicate with us during the dispute, just as XXXX XXXX stated. The promise from Citi executive team is nice, but it seems that it doesn't translate into actions for its investigators. 

Based on our experience, Citibank has many good people working hard to do the right things for its cardholders. But its investigation team appears to have the culture of ignoring or presuming guilty on claimants. They make the Citi slogan " Citi is with you before, during, and after every purchase '' a bad joke.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

Chime Bank took {$260.00} out of my checking account stating it was to pay my SECURED visa card with them. As the money I used on my Visa card was mine, they should not have taken this money. When I first opened the account, I was assured that this would not happen to me. I called & was told that it was not in error. I send many emails about this & only received form emails back. They refuse to refund my money & so I can not dispute this error, they removed the withdraw from my account. As I live on Social Security, I advised them I needed every dollar. I was hung up on.
Consumer complaint received 2024-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I recently had a credit balance remaining on my credit card account due to paying an even amount. I would have used this with a future purchase, however Citi has taken it and refused to return it saying I forfeited it to them. They will not mail a check for it nor credit my account. While the amount is small, across their entire customer base they are likely taking a lot of peoples money and refusing to return it. This is a clear Unfair and Deceptive Act and Practice. Citi should be made to return my money as well as others.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

XX/XX/XXXX order products from XXXX. Paid with XXXX from my bank. Paid for overnight. 4 days later I contacted the company and that's where my order was that's my order number and I gave it to him and they said they chip it out again and give me a bogus shipping company. On the shipping site the tracking number I gave you pulled up somewhere near my house and said it was there being delivered at XXXX in the morning nothing was ever delivered. I then called my bank to dispute it and the lady said that they would look into it and probation my money within 10 days. I called back to me 15 days later and they know money ever hit my account and the gentleman said don't best edition was being done at this point my money should be back in the account. Today I contact the bank and they say I owe you XXXX to bad even though he recommended it and you used it from our application thanks I too bad. I then spoke to customer service again at the product site and they told me all will be shipping it out to you again I didn't respond to anything and XXXX minutes later a response came back and said oh okay I 35 % another XXXX minutes later and said to me what's on tonight like it was an automated que. when I called my bank again and tried to tell them hey this is a scam you're selling a product called XXXX that is basically saying hurry we're going to scam you and not refund the money. When I told the banker that he said there's nothing he could do I said so what you're telling me is to take all my money out of your bank and put it into something secure and that will take care of me when I have an issue with avenger or an online purchase for a purchase that goes through their Bank. That's the reason I'm filing a complaint today.
Consumer complaint received 2019-04-13
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. (TN)

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, DPT EDXXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Auto 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 15 U.S.C 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
Consumer complaint received 2021-08-19
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX Balance $ XXXXDate Opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times
Consumer complaint received 2021-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NV)

I was approved for a debt consolidation, personal, unsecured, installment loan on XX/XX/XXXX. The loan was funded on XX/XX/XXXX, with {$2800.00} direct deposited to my bank account. The XXXX in XXXX form indicates payments of {$20000.00} were send to XXXX as a payoff for one loan I was consolidating and $ {$15000.00} to XXXX for paying the 2nd loan. I confirmed my XXXX and XXXX account numbers on the TIL and online to ensure any payments made on my behalf were applied correctly. Upgrade indicates XXXX XXXX XXXX  sent paper checks to addresses in XXXX, TX ( I have specific addresses if helpful ). I am unable to confirm check numbers, receive a copy of the checks, or other confirmation. XXXX and XXXX have both indicated they never received payment for my loans from Upgrade or XXXX XXXX XXXX. On XX/XX/XXXX, the checks to XXXX and XXXX were cancelled and Upgrade indicates that the funds will be direct deposited to my bank account " in a few weeks '' with a " no later than '' date of XX/XX/XXXX. 

I have been charged interested on all XXXX loans and payments on all 3 loans. Specifically, my complaint with Upgrade and XXXX XXXXXXXX XXXX  pertains to the collection of interest and a payment in the amount of {$950.00} on XX/XX/XXXX for a loan that has not funded. I further express my complaint that it will have over 6 weeks since disbursement of the loan to the date that I will have received the funds. Upgrade/XXXX XXXX XXXX were able to direct deposit the initial difference of funds into my bank account immediately, putting me on the hook for payments and interest on the {$2800.00}, but can neither expedite nor confirm an actual transaction completion date. I remain concerned that I will not see the funds from this loan and have a 2nd full month of interest and payments on all 3 loans.

My final complaint is the lack of response to follow-up with Upgrade. While I have learned to get through their system by selecting options that make me appear as a new applicant, when I call customer service as an existing loan holder, I have waited on hold for as long as 3.5 hours ( but usually give up after 45 minutes on hold ) with NO attendant response. I have emailed and received an automated response that it will be 3 to 5 business days to hear back. My emails sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remain unanswered. I have been given some information by getting to their phone system, but most answers to questions are unanswered. 

Nobody can confirm check numbers sent on my behalf as defined in the Truth in Lending statement. Nobody can tell me how to opt out of the Arbitration agreement with XXXX XXXX XXXX. I suspected the last one and will consult legal counsel if required.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The Credit Bureaus XXXX, XXXX and Experian did not do a proper investigation according to the FCRA. The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, XXXX, XXXX and Experian have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau Experian, XXXX, and XXXX all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
XXXX, Experian, and XXXX stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to the law 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. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. ( Experian and XXXX used Post Cards ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.