davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (LA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-10
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. (VA)

Equifax did not address my issue. 

Heres a timeline of events pertaining to my issue : XX/XX/XXXX - I filed a dispute pertaining to outdated information involving XXXX-XXXX  XXXX  being on my Equifax credit report due to my first delinquency date being on XX/XX/XXXX. The dispute confirmation was # XXXX. 

XX/XX/XXXX - Equifax issued their dispute results and stated We verified that this item belongs to you ... Additional information has been provided from the original source regarding this item. 

My issue is that Equifax did not conduct a reasonable investigation of fairness and accuracy in accordance with the Fair Credit Reporting Act ( FCRA ). Neither can Equifax produce to this CFPB complaint any documents from XXXX XXXX, the original source that my first delinquency date was not XX/XX/XXXX. 

To allow Equifax to continue with another investigation as a method of delay goes directly against FCRAs fairness and accuracy. 

I am now requesting for CFPB to do the following : 1. Request for Equifax to produce the additional information as stated in their dispute results on XX/XX/XXXX that was provided by the original source in a tangible form ( i.e. documents ). 

2. Fully investigate the facts in this complaint to see if Equifax has a pattern of violating FCRA in other CFPB complaints filed against them.
Consumer complaint received 2019-10-20
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 (WA)

I opened Platinum card from American Express exclusively for XXXX XXXX on XXXX. To open the charge card, one needs to have a valid brokerage account with XXXX XXXX. I submitted the application, called customer service to provide my account number, and then got approved. After meeting the spending requirements, I got the bonus points. 
Then early XXXX, I received a message saying that Amex would close my account because I no longer had an eligible XXXX XXXX account. It just doesn't make sense. I opened the charge card without any problem, but a few month later I was told I was no longer eligible to keep the charge card. And what's more, after my charge card was closed, my bonus points was removed from my reward program. They mentioned in the email that 'We recently noticed point accrual or redemption activity on your Membership Rewards program account that indicates an effort to obtain or use points in a manner that is not appropriate '. 
From my perspective, I didn't do anything wrong. My application was approved by Amex, I met the spending requirements for the bonus points, and redeemed the points in the way Amex provided. But my account was closed and bonus points were taken away. I do see some examples where bonus points are taken away because they close the account within one year of opening. But in my case, I do not close the card, it was Amex who closed the card. When I opened the account, I was eligible for the card and bonus points, but if later they changed the rule so that I was no longer eligible for the card, at least I should be able to keep the points I earned.
Consumer complaint received 2019-10-20
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 mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi - I recently disputed a transaction with Bank of America that turned out to be from them all along. It took a number of phone calls to even determine where the charge went exactly, and that's how I find out it was from Bank of America. They are sending me to other departments to try to get in touch with a department of BofA that they can't even verify ( apparently they will only talk to me? ). 

The amount was for {$3100.00} on XX/XX/2019. I was given a credit for that amount but it was reversed a few days ago ( XX/XX/2019 ) when the claim was closed. The only information about the claim was that the research team determined the payment was authorized, which I can confirm it was not.
Consumer complaint received 2019-10-20
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. (TX)

I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.
Consumer complaint received 2020-05-14
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 XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 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 XXXXXXXX Reported :XX/XX/2020 - XXXX XXXX  XXXX Reported : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

{$8300.00} was withdrawn from my checking account. 

XX/XX/2021 XXXX - {$3500.00} " Ewithdrawal '' Pin code authorized XX/XX/2021 - {$4500.00} withdrawal slip with my name printed I called chase fraud department and said there's fraud activity on my account, they said they can't see the full details at the moment and to have my call back the next day in case there's accounting errors that would resolve itself. 

XX/XX/2021 - few hours after the call with Chase - there was an ATM withdrawal of {$360.00} in the XXXX NY ( I can't see location of it anymore from my app ) according to my Chase app so I called Chase again. This time they said they'll freeze my account and look into it and credit me. 

XX/XX/2021 - Called chase bank fraud department to make the claims for the {$3500.00} and {$4500.00} withdrawal since the details finally shown up. {$360.00} was credited to my account. 

XX/XX/2021 - I created a new checking account with Chase and transferred the remaining balance to a new account. 

XX/XX/2021 - Called chase again to follow-up - agent mentioned I should be receiving a fraud packet that needs to be signed, notarized and returned to chase. 

XX/XX/2021 - received packet from chase and filled in the information regarding to the fraud. 

XX/XX/2021 - Chased reversed the credit of {$360.00} so now the " hacked '' account shows a negative balance of XXXX. 

XX/XX/2021 - Chase credited {$3500.00} and {$4500.00} to my checking account. Current balance is {$7600.00} and not the full {$8000.00}. 

XX/XX/2021 - Called chase and asked about the {$360.00} - supervisor " XXXX '' states that it was a pincode ATM transaction done in one attempt and that was the determining factor on why it was denied. I explained I never lost my card, I had it in my possession the whole time but this truly happened and it's not me. She said nothing can be done about it and that people lie all the time and that she doesn't even have access to my pincode. I'm shocked that she doesn't think something like this is possible, I'm living proof that it's possible and I'm just livid at her explanation. I went into chase bank same day to file a complaint but haven't heard anything back yet.
Consumer complaint received 2019-10-02
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: ALLY FINANCIAL INC. (FL)

I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Consumer complaint received 2020-02-19
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. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2019-09-18
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 are not belong to me. I do not know why are they on my credit report. I have never had a business with these company. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Consumer complaint received 2020-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

In XXXX of XXXX Greentree Mortgage sold my mortgage to Ditech Mortgage who as of XX/XX/XXXX has gone out of business and transfered all of their remaining mortgages to XXXX XXXX dba XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that they just happened to have missed that my FHA PMI had been charged to me from XXXX of XXXX to XX/XX/XXXX ( just a slight 4.5 years of errors ) or {$1300.00} of over charges. Now what's interesting is that when I contacted Ditech in XXXX after they had sent me an increase to my payment from {$530.00} to {$550.00} for {$90.00} of a XXXX city tax increase and a {$14.00} annual home insurance increase, I challenged them on these increases but paid {$530.00} so not to have a late underpaid payment on my record. In XX/XX/XXXX I finally got a review of my mortgage by Ditech and they dropped my payment from the {$550.00} to {$500.00} which I paid {$500.00}. Unbenownced to me, Ditech having filed for bankruptcy in XX/XX/XXXX had passed all of this {$550.00} misinformation to XXXXt and never told them about the FHA PMI issue. Can FHA return my excess payments of {$1300.00}? Is there a bankruptcy fund for Ditech that I can file a claim against or can this be credited to my new XXXX mortgage?
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I electronically lifted my security freeze through Experian for one day. Then, on XX/XX/XXXX, I repeated the process, and answered my security questions correctly but was denied access and was locked out. The next day, I was locked out of my third party monitoring XXXX ( for unknown reasons ) but was able to answer my security questions successfully. They were similar if not the same as the ones from Experian. When I called Experian to inquire why they denied my CORRECT answers, they reported not being sure why. I asked them to investigate the matter, and they said that they couldnt since they had no way of retrieving my security questions and answers. I had to provide my PIN number instead. However, I should have never been locked out to begin with when I provided correct answers. I am concerned they will might abuse their privileges in the future. I regard this as harassment and manipulation. I also tried registering for an account with Experian and they declared they couldnt verify my identity, when other credit bureaus and third parry entities have been able to successfully. Then when I repeated the process, the next error message indicated that the system was down and couldnt complete my order.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX I purchased a bedroom set from XXXX furniture amount XXXX with a care package for XXXX total XXXX with the wellsfargo XXXX XXXX credit card in-store XXXX queens ny location XXXX Due to covid I did not receive any furniture until mid XXXX and about mid XXXX of XXXX after being notified in XXXX that the last two items from the bedroom set I purchased was being delivered. I Decided to purchase a mattress online from XXXX furniture XXXX website XX/XX/XXXX of XXXX with the wellsfargo XXXX XXXX credit card amount XXXX. Received a mattress XX/XX/XXXX. Next day XX/XX/XXXX new transaction made on my account for XXXX with a special terms offer for XXXX I immediately dispute the transaction due to covid now in XXXX of XXXX wellsfargo says that's the mattress I ordered? I immediately ask what happened to my XXXX now there's another investigation. Now it's XX/XX/XXXX I get a letter stating the XXXX is for items that was delivered. So it's seems that XXXX furniture resold me. A item from the bedroom set I purchased in XXXX and made a new purchase for a mattress on my XXXX amount XXXX with the special terms XXXX balance that's now on my credit report. The XXXX already did damage to my credit I refused to pay for a transaction I did not authorize wellsfargo do not seem to want to investigate this matter .the last transaction I made was for XXXX I gave no one authorization to access my account a purchase made to there XXXX XXXX on XX/XX/XXXX for a total of XXXX dollars
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (AZ)

I had a {$1000.00} limit on my Synchrony home card. I was going to have some painting done. Recently I saw they changed my limit to {$250.00} with no notice. I have a project scheduled XX/XX/12. I contacted them as I figured it had to be a mistake. They said no they lowered it and did send me a letter. I never received a letter and I receive mail from them every month ( other statements for other cards ) and notices just fine. This affects my credit too when they lower my limit without notice.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

Two dept collection agencies ; XXXX  XXXX XXXX, Transworld Systems Inc., have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency XXXX   XXXX XXXX reported a collection in the amount of {$1400.00} and the agency Transworld Systems reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
Consumer complaint received 2020-05-14
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: JPMORGAN CHASE & CO. (CA)

I used Chase Travel to book a flight for 4 persons XX/XX/XXXX XXXX, the airline cancelled the flights. I requested that chase refund me the $ or points I used to purchase the flight through Chase TraveXXXX. Per XXXX regulations airlines are required to offer refunds when a flight is cancelled. Chase refused to refund the money/points spent to purchase this flight.