davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2021-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Transaction Date : XX/XX/2021, XXXX XXXX  Amount transferred : XXXX  XXXX from XXXX ( through XXXX ) to my account in coinbase. 

The amount was confirmed to be sent out from my account, and payment already confirmed to my bank account with coinbase ( attached is the outgoing payment Proof of Deposit from the partner of XXXX ). 

However coinbase insisted they can not see this transaction. The sending bank requested a statement of my account from coinbase before they can proceed with further investigation. However, coinbase can not issue me a proper statement. ( see attached email conversation.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I had a fairly new account with Chase bank - did a mobile deposit on a check for {$1000.00} that was wrinkled - they held it for 2 weeks I wasnt given info as to why though I called several times. At the end of 2 weeks it showed as available but I was unable to access it via XXXX or my debit card though the account appeared to be normal as far as I could tell on the mobile app- nor was I able to make a mobile deposit. I called and the after hours person thought it would be ok the next day. The next day my account was *gone entirely* No notifications via phone, email, or the banking app. I called again and after a lot of digging around, was told my account was closed for suspected fraud and I would be receiving a check from the bank containing my funds. 

When the check arrived it was for {$19.00} - the {$1000.00} was missing. The person who wrote the check to me said it showed as having cleared her account. 

I called the customer service Again and was told that the check writer, would have to go in person to a branch and verify she wrote the check to me. She did. Still no money. I called again and they had no record of her having gone in to a branch on my behalf. She went again and was assured that it was recorded to the check and my account ( which I no longer had since they had cancelled it without notice, but I do have a car loan with them ) I waited another 2 weeks with no check incoming. I called again and asked for a supervisor and was told it would not do any good as the check writers authorization was not recorded to my account in any way. She went in a third time and asked for the money to be refunded to her account and was denied saying I would receive the funds. I have not, and continue to be told she hasnt authorized the check as having been made out to me - while shes assured by the local ( to her ) branch that she did ( her bank is not chase ). 

This {$1000.00} is in chase bank possession and it seems there is no way to get it. 

I even requested they put the funds on my car loan rather than mail a check. My loan instead went into default. 

This is ridiculous- they need to release the funds to one of us the check writer or to me the check receiver! 

There was nothing shady about this transaction on my part in any way other than the check had been in my pocket for a day and was wrinkled.
Consumer complaint received 2022-12-07
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC1681 XXXX  # XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX  # acct XXXX XXXXXXXX XXXX  XXXX, {$190.00} XXXX  # acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX  acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX # acct XXXX {$250.00} XXXX XXXX XXXX  # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX  # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXX XXXX  # XXXX {$730.00XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX portfolio XXXX {$450.00} XXXX XXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( ax5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( AxI ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CO)

I started with Sallie Mae in XX/XX/XXXX when I began school at The University of Colorado at XXXX XXXXXXXX. Since I started with Sallie Mae, the company has been nothing but predatorial. They declined a loan based on my financial information, but they turned around and said I qualified. 
Since I began attempting to repay my loans, I have continued to have ongoing problems. The amount on the website and that I can pay are never the same. When I pay, I will receive an email that my loan is not current. 
I receive phone calls and constant misinformation on what I owe. Sallie Mae will call multiple times a day and leave my voicemail box full even after I've cleared all voicemails. They say the easiest solution to paying my balance is to go through the website, but it will not allow me to make the minimum payment. They expect monthly payments, which are difficult for me with my current salary. When I try to contact the company, I experience wait times of up to 4 hours. When I reach a person, I get transferred to several different departments. Most times, the phone will be on hold and then go silent ; eventually, the call gets cut off. 
I was recently in contact with the company on XX/XX/XXXX. We enrolled my loans into a program where I would pay {$540.00} monthly for two years and lower my interest rate to 4 %. I gave them my debit card information to set up auto debit. My first payment was scheduled for XX/XX/XXXX. They failed to charge my account, putting my loan in further default. Predictably the company has been impossible to get in contact with and has now affected my credit score and has resulted in more harassing emails and phone calls. This company is impossible to deal with and continues to harass me and my co-signer. It is also highly frustrating that I am told different amounts due on my loan each time I contact an agent. 
My most recent loan was initially denied due to my previous debts and financial situation. A week later, I was contacted by the company saying that they had changed their mind and were willing to approve me for another loan. Their intent has been malicious.
Consumer complaint received 2022-05-18
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

I have tried more than 5 times to have Chase bank to correct the closing date on my XXXX credit report. 

I just spoke with XXXX and they informed me that Chase has a freeze on my file so therefore no updates will be allowed on my Chase account. 

In the previous CFPB complaint filed in previous complaints, Chase never mentioned this and kept blaming XXXX for the reporting information. 

Chase has demonstrated that they are not a fair reporting company. I have spoke with Chase on numerous occasions and they never mentioned they froze my account from being updated.
Consumer complaint received 2022-05-01
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. (NJ)

Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX  Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 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 an account without my written instruction.
Consumer complaint received 2022-10-11
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. (FL)

I have asked the credit bureaus to do a XXXX research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act XXXX  account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a account without my written instructions
Consumer complaint received 2021-05-01
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. (GA)

XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, XXXX  and equifax back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.
Consumer complaint received 2022-12-07
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc. (TX)

I applied for and received a Payoff loan in XX/XX/XXXX in the amount of {$34000.00} ( after financing fee ). I made regular monthly payments of {$1100.00} until XX/XX/XXXX when the global pandemic happened, at which time I suffered a financial hardship and was unable to make payments. My principal balance at this time was {$19000.00}. I contacted Payoff and was granted a skip payment so I would not be responsible for paying the loan nor getting further under water with accruing interest. After a few months of skip payments, I pursued a loan modification that reduced my payment to {$25.00} for three months ( XXXX - XX/XX/XXXX ). When I made that payment in XX/XX/XXXX, my new principal balance was {$19000.00}, {$25.00} less than what it was nine months earlier. I still was not in a position to resume payments of more than {$1100.00} per month so I then went through a several month process of modifying the loan to reduce the payment to {$820.00} by extending the maturity date. This occurred in XX/XX/XXXX. I then resumed monthly payments of {$820.00} in XXXX and eventually noticed that my XXXX, XXXX, and XXXX payments totaling {$2400.00} weren't lowering my principal so I reached out to Payoff and they told me that my payments were going solely to " accrued interest. '' This is the core issue. Never was it disclosed to me that interest would be accruing when I began the skip payments and loan modifications. Never was it disclosed to me how much interest was accruing and that my resumed payments would go solely to said interest. I still have seen no accounting nor statements detailing such accrued interest and I find it odd that the amount of accrued interest is conveniently the total of 3 of my monthly payments. This feels like robbery to me. My Truth in Lending document states that the cost of my credit for this loan was to be {$6100.00} and I've already paid them more than {$6700.00} in interest to date. I believe they incorrectly and illegally charged me interest when they said I would not be subject to interest, they never disclosed any information to me via statements or through my customer portal, and despite my attempts to resolve the issue directly, they will not take any action.
Consumer complaint received 2022-10-11
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: DISCOVER BANK (VA)

I started disputing this information in XXXX regarding these two companies discover and XXXX XXXX. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.
Consumer complaint received 2022-10-11
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. (FL)

Per my credit score on Equifax as of XX/XX/2022, my XXXX XXXX has a balance of {$2700.00}, and XXXX XXXX reported that as of XX/XX/2022. 
However, per XXXX XXXX statement, my balance is {$1800.00}.
Consumer complaint received 2022-12-07
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: The CBE Group, Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-11
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 am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-04-29
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)

Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit