davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX 2 charges were charged on my amazon chase account. The amounts were {$5000.00} and {$3000.00} total of {$8000.00} I called my credit card in XXXX when this happened. They reviewed it once and credit it back to my account. Then a month later decide to take it back and feel like it wasnt valid. I have make 2 other reports from XXXX till now. Both declined each time.
Consumer complaint received 2020-07-03
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-03
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: Capital Accounts, LLC (GA)

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ Capital Accounts ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - Capital Accounts received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported Capital Accounts as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

Capital Accounts, XXXX  XXXX, & XXXX  have all violated my rights. Capital Accounts failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX   nor XXXX, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by Capital Accounts does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CO)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$150.00}
Consumer complaint received 2020-06-22
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: CMRE Financial Services, Inc. (OK)

I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a wheelchair and on fixed income unable to work
Consumer complaint received 2020-07-03
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. (MO)

There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet XXXX XXXX is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Today, XXXX XXXX, 2020 at XXXX PST I initiated a call to Best Buy / Citi Bank Credit Card XXXX XXXX XXXX to discuss my Best Buy charge card. I am in the middle of my first home purchase ever. Back in XXXX 2020 when COVID-19 lockdowns began I requested the COVID-19 Payment Deferral Request offered by Citi as a precaution. I ended up never needing the deferral plan and have made several payments since requesting it. When I called today, the first associate I spoke to told me there is no process in place to request removal of the deferral program. I requested escalation to a supervisor, who then escalated me to XXXX from the Executive Department. XXXX 's department has a separate phone line XXXX. XXXX confirmed Citi does not have the process in place to remove the deferral. I explained that the deferral plan is preventing me from being able to be approved for this first home purchase and reminded her that there was no verbal or written disclosure given in advance that the COVID-19 Payment Deferral Plan could prevent approval on other credit products. The absence of fair disclosure and the fact that a massive company does not have a simple procedure in place to protect consumers from negative credit reporting is why I am submitting this complaint. I am requesting direct follow up contact from the CFPB. I am reporting this in good faith. Not only should my request to remove the payment deferral plan be honored and confirmed in writing sent to me by email ( this need is extremely time sensitive ), Citi needs to establish this necessary procedure it is lacking to avoid further consumer escalations to the CFPB. I am asking Citi to remove the deferral so I can pay them interest sooner. Why they are disagreeing to this is up in the air to me. Due to the urgency of my request please contact me ASAP. I am in dire need of help getting this resolved. Thank you.
Consumer complaint received 2020-06-23
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. (TX)

XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (KY)

American Express took me to court saying that I owed them money. I was the defendant in this case and it was dismissed with prejudice at the plaintiffs costs. Dismissed with prejudice means the case can not be brought back up against you. On XX/XX/2020 I received an email from American Express saying I missed a payment. This is harassment and unfair credit reporting. Please see the images I have attached for proof of my complaint. Thanks
Consumer complaint received 2020-07-03
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: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX I spoke with a XXXX from Hyundai and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my Hyundais report. 
On XX/XX/XXXX I contacted Hyundai at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from Hyundai stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX  and showed records that I am attaching here if able to show proof from my account at Hyundai, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error Hyundai created and XXXX  not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from Hyundai showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that Hyundai has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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. (GA)

This account ( medical ) was disputed and REMOVED on XX/XX/2020. 

XXXX XXXX XXXX  XXXX for {$49.00}. 

It has since reappeared on my credit report. This is illegal and not correct so I want this removed.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (FL)

The company is XXXX XXXX XXXX  or by names of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. On XXXX  there was an advertisement for an ad on your car and for this I was going to be compensated. The advertisement on my car was going to be for XXXX XXXX supposedley. The company sent me a check in the amount of {$2700.00}. In the letter it said I was going to get paid {$600.00} for the ad on my car. I was speaking through text to XXXX XXXX who said I would have to send {$2000.00} to the installer of the Ad through XXXX. My XXXX app was not working. XXXX said in order to expedite the installer 's service I could get 4 {$500.00} visas to pay the installer. Mind you at this point the check was processed by XXXX XXXX. It was starting to sound sketchy because then XXXX XXXX said I have to send {$500.00} to remove the ad for the car. I argued with him for a while through text but he said another check would be sent. He told me the check did go through. I naively fell for this and sent {$500.00} through XXXX to a XXXX XXXX $ XXXX. After I did this the bank returned the check. I tried to contact XXXX XXXX at phone number XXXX and the email XXXX. The phone number was disconnected and tried to call the company XXXX XXXX XXXX at XXXX and the line was also disconnected. I have been scammed in the amount of {$2700.00}. I have contacted XXXX and supplied all the letters, copy of the check and they said there was nothing they could do.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

This is a Generic Complaint for All Mortgage Lenders and All Credit Reporting Bureaus. I am asking the CFPB to Change the Rules for Pulling Credit Reports so that Borrowers have the Right to Select the " Version '' of FICO or Credit Scores used by Lenders for Underwriting. FICO 8 scores are what most consumers see and want, but most Lenders use the outdated Fico 2, 4 and 5 versions. This should be the choice of Consumers and not the Lenders on What version is used for Underwriting Credit. 
Mortgage Lenders should let Consumers choose FICO 8 for mortgage loan credit scores if we as borrowers want. The vast majority of lenders still rely on FICO 2, 4 and 5 scores, which are all part of a larger report mortgage lenders can obtain called the residential mortgage credit report ( RMCR ). This report contains credit reporting on an individual from all three major credit reporting agencies. However, Score Values differ greatly from Older vs. Newer versions of FICO. If newer versions help, consumers should have the right for a bank to use FICO 8 if a borrower pays for a FICO 8 reporting service. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-06
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. (TX)

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.
Consumer complaint received 2020-07-06
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: CL Holdings LLC (GA)

I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, XXXX, & Jefferson Capital Systems. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, XXXX XXXX, XXXX not Jefferson Capital Systems have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I added an external account to plan a future transfer on my Wells Fargo account. On XX/XX/XXXX, I was told my online account was restricted even I just added an external account and didn't initiate any transfer. When I called for help with accessing my account, I was told I must go to a branch to prove that external account was mine to lift the restrictions. That external account of course belongs to me and I can verify that account is mine by providing my account number, but they insist that I must go to a branch to prove it. The problem is that I have symptoms of XXXX  and XXXX  and I do not want to get in touch with any other people to have them XXXX. When I ask if there is any alternative way, the rep said I MUST go to a branch to solve the issue. When I ask if they can close my account and mail a check of my remaining balance to my address, they repeat that I MUST go to a branch to solve the issue. In this way, I can not go to a branch and I can not get my money back from Wells Fargo, so I am here filing a complaint about Wells Fargo Bank.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CO)

Every time we dispute with the collection agency and they remove the collection that has already been paid, they sell it to another collection agency that then adds it as a new collection on our credit report, damaging our credit. The bill was originally owed to XXXX more than 8 years ago, and we paid this debt off the end of XXXX. It is now showing up again as a new debt on XX/XX/XXXX with ERC. This is now affecting our ability to buy a home and receive a good interest rate. It is currently only reporting under XXXX.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AZ)

I was given a predatory loan and it has been sold from bank to bank. When I initially obtained the second mortgage I was told I could refinance it and the interest rate that is now set at 11. % would come down. 

I was never allowed to refinance. Starting in XXXX of 2018 my social security payment was lowered considerably. I became delinquent l. The mortgage servicer that bought my loan kept saying I could qualify for a loan modification or other relief. They made me apply and apply until I got to a point I could it afford the ridiculous repayment plan they offered. All with XXXX XXXX is lies and an attempt to make money and take your home away. They lied since the origination of the loan. They can not be allowed to deceive while offering second mortgages. They also continued with foreclosure while I was in loss mitigation.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (VA)

My account was delinquent through no fault of my own. My credit card account was setup for automatic/reoccurring payments but my final transaction was not processed as such. My account balance before, during and after the non payment provides more than enough evidence to support the fact that I had the wherewithal to make the payment. This issue has and continues affected my ability to purchase a home. 


Made full payment on XX/XX/2020 ( Same day, I received the notification on my credit reporting app )
Consumer complaint received 2021-07-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TCF NATIONAL BANK (MN)

My parents are in the process of organizing their estate and this spring they found 6 CDs that they forgot about. One was for my brother, sister and me and the last three were for them. They have matured and are quite old. I realize the bank ( TCF Bank ) is supposed to keep them for 7 years all the while trying to contact the owners of the CDs. Not one of us was ever contacted. I have been with the bank just about my entire life and my name has not changed, so there is no way they couldn't find me. 

My siblings and I have been to different TCF branches and have all hit walls. They say they have no record and there's nothing they can do about it. Clearly, we need to change banks. I asked TCF if they could tell me who escheated these or who is a part of that department and they continually transferred me to the wrong departments, even sending me to a collection agency. I have looked into the state ( Minnesota ) to see if they have it, but there's no record of any of these 6 CDs. I've looked at Missing Money and unclaimed property. I do this every two years for the past 20 years. Our last name never comes up with either of these sites. 

CD # 1 : {$500.00}, 12 % interest, matured XXXX CD # 2 : {$500.00}, 12 % interest, matured XXXX CD # 3 : {$500.00}, 12 % interest, matured XXXX CD # 4 : {$17000.00}, 15.319 %, matured XXXX CD # 5 : {$16000.00}, 11.767 %, matured XXXX XXXX # 6 : {$17000.00}, 8.665 %, matured XXXX
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I XXXX XXXX called Coinbase in regards to a problem on XX/XX/2021. I was assigned a specialist. XX/XX/2021 my coins started disappearing. I emailed the company over 200 emails because there is no way to talk to a live operator. No reply. No help. Despite begging to stop those transactions. They are mine. Im being robbed. 

I filed a Police Report, I filed with the fbi, I filed with the ftc. I am not getting any help. How can a US company have no customer service and help their customers after pleading for help.