davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written request I sent last XXXX XXXX. However, any modes of response or coordination were not taken on their end. That means, Equifax has 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. I highly appreciate it if you REMOVE these erroneous accounts that still reporting on my Credit Report. Thank you. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00} // Charge Off XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance -- // Late Close
Consumer complaint received 2024-10-27
Product: Credit reporting 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. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (CA)

I opened a credit card with Barclays Bank through XXXX on XX/XX/2021. On this date, there was a promotional offer, if approved for the credit card, which I was approved for and have attached confirmation of. This promotional offer was to receive {$150.00} statement credit if used within the first 30 days of OPENING the account ( XXXX ). 

On the date of XX/XX/XXXX when I was approved for the credit card, I was attempting to purchase flights tickets that I desperately needed to purchase on this date. After approval process, the website took me right back to XXXX and 'automatically ' entered the credit card numbers into the checkout tab without allowing any edit. I attempted to purchase and the website notated that the security pin was incorrect. I did not understand how the security code was incorrect when the website automatically entered the numbers for me and would not let me edit. I then called their customer service line for the representatives to tell me it must have been a glitch in the system and that they would expedite the card to me for no charge. They stated the transit time for an expedited card would be 2-3 business days. The following Wednesday, XX/XX/XXXX, the card still had not showed. I called in to their customer support line again to confirm if the card had been sent via expedite or if there was an issue that occurred. I was told the card was never actually expedited and that it was on ground service. The representative proceeded to tell me she would cancel the previously sent card and issue an immediate expedite replacement. 2 weeks later XXXX XX/XX/XXXX ), there was still no card that I received. I called in once more to their support phone line and was told they were unsure as to why the card was not received but confirmed it was sent via expedite and I should have received by this time. She confirmed she expedited another card to me. A few days later, XXXX XX/XX/XXXX ), I still never received the credit card. I called in again on this date for the representative to tell me the card was never even sent to my location. It was at this point I asked the representative to speak with a manager because I was so unhappy with the service and inconveniences for about a month. He placed me on hold and then hung up on me. I called back for another representative to do the same when asking for a manager. Then a couple days later, either the XXXX or XXXX, same date the promotional offer would expire, I tried calling the XXXX branch of this branch in hopes of receiving some assistance with the issue. They stated they had no visibility into the US team 's business and I would have to call them back. I tried to call the US team another time on this same day, and after explaining then requesting for a manager, was hung up on again.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CO)

I have an escrow account with New American Funding, they have not paid my home insurance. My insurance company XXXX XXXX provided a bill in XXXX of 2021 and it was due in XXXX. In XXXX, I received an email indicating payment had not been received to the insurance company. I spoke with a rep at XXXX XXXX. XXXX and they indicated they would overnight payment to insurance company. I follow-up and they indicted it was sent. Yesterday, XX/XX/2021, I received a letter indicating payment was not yet received. I called and spoke with a manager and they acknowledge this issue and that the error was on their side.
Consumer complaint received 2021-11-26
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. (MA)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2021-11-26
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-08-24
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. (NC)

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (UT)

I first enrolled in autopay on XX/XX/23 and got confirmation that I was enrolled. Then my XXXX payment did not go through and was reported as late. I made sure to enroll again and got yet another confirmation that autopay was active. My XXXX and XXXX payments were not automatically processed and both were late until I manually paid them and I enrolled and made sure autopay was active on my account. I finally called and they said that each time I enrolled in autopay it reset the clock and a 1-2 billing cycle had to pass before autopay was fully active. So now in order to get the 0.25 % interest rate cut, I have to wait a minimum until XXXX. 

No notification my payments needed to be manually processed, or that autopay would not occur for two billing cycles.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have a payment that was made and withdrawn from my bank account on XX/XX/XXXX in the amount of {$70.00} that was not credited towards my loan as Edfinancial changed their website and did not include it towards my account history. I have already contacted Edfinancial numerous times and have not received a helpful response even after submitting the evidence of the payment, including a confirmation email and evidence of the payment being withdrawn from my bank account on XX/XX/XXXX. The payment was made to 'US Department Of Education ' but Edfinancial does not seem to think that along with the payment confirmation email is enough proof that a payment was made. Edfinancial has further sent me an email on XX/XX/XXXX that my inquiry has been resolved when in fact nothing has been done to resolve the issue.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (TN)

I got a call on XX/XX/XXXX from a company claiming to be a company that could help with my student loan forgiveness. They had my address, email, SSN as well as the balance of my loans. They also had access to me XXXX ID and was able to change it using my email address. I was told them could forgive over {$250000.00} of my student loans but I would have to pay {$360.00} for 6 months and then {$69.00} for 240 months but after that my loans would be forgiven. At first they seemed legit but I applied for student loan forgiveness and never got a response. 

I got concerned because I was asked if I had the call on the speaker phone and if anyone was in the room with me. I then asked the person I was on the phone with if they had me on speaker phone and they chuckled and said no. I then could hear my voice echoing and I could hear people in the background. 

I spoke with two individuals, one by the name of XXXX and the other person was her supervisor. They both had heavy accents and spoke in a bit of broken English. The number they called from was XXXX and they sent emails to my email account from this address : XXXX I ended up hanging up because the 2nd person laughed a little bit too much and did not address my concerns about repeating my SSN outloud as well as other information. They did not call back and the documents they were supposed to send me have not arrived in my email and they claimed they were from the Department of Education. I don't think this was legitimate but I would like to know what happened to my actual paperwork that I filed in XX/XX/XXXX for loan forgiveness.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. Chase Bank has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/2021 I submitted a support request to Coinbase ( coinbase.com ) in an attempt to regain access to my account there.

After over half a year of emailing and multiple support/complaint case numbers, I still have not regained access to my account.

I have attached all emails I sent/received Support case numbers : # XXXX, # XXXX Complaint numbers : # XXXX, # XXXX
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MD)

I open up an account with Sam Club XX/XX/2013, Synchrony Bank became the servicer of the account a couple of years ago. I have never missed a payment on this account, only late one time. 

While I was in the hospital XXXX  Synchrony Bank called my telephone everyday some time twice a because I did not make payment on the due date even after I informed them I was currently XXXX  in the hospital, the calls continued for anther two weeks. 

This was harassment and unnecessary therefore, I asked Synchrony Bank to remove my telephone number from their files and never to call again. I have the right as the consumer to ask any company to cease and desist contact via telephone. 

I am filing a formal complaint and making record of my request, if Synchrony Bank call my telephone every again I will initiate a class action law suit.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2021-08-24
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 sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 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. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Consumer complaint received 2021-04-19
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. (MI)

I am XXXX XXXX XXXX, and I am writing this for myself and there is no third party involved over a few months ago I sent in my dispute letters and I have yet to hear anything from them. I understand that by law they were given 60 days to respond and I have yet to her anything from them and in return I need those items deleted because I never gave anyone the consent to procure any report pursuant to 15 USC 1681b ( 2 ) which is a violation of my consumer rights
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I submitted a request via online support to Coinbase as I no longer had access to my email associated with my Coinbase account. They instructed me to open a new account and provide verification documents which I did so they could transfer the funds into my new account, I have asked for an update weekly since then with zero response. I filed a formal compliant with Coinbase and they referred me back to the original ticket opened on XX/XX/XXXX. I just need access to my account or have funds transferred.