davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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)

XXXX XXXX XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.
Consumer complaint received 2022-04-25
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)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF ED/XXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account XXXX XXXX XXXX DEPTEDXXXX Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a 01/12/2022
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

During the Covid Pandemci, Synchrony Bank is the only lender to do this or even attempt. Every creditor I have besides them has reached out to see if I was ok or needed help. 

Synchrony Bank decided to " randomly '' check my credit score TWICE within a 5 month period ( once in XX/XX/2020 once in XX/XX/2020 ) Each time they lowered my limit claiming that because I don't have real estate and that my score dropped they had to. 

What they are refusing to understand is that their claims are incorrect. My score has actually increased, despite them lowering my limit and damaging my score! In fact I was just able to ADD {$1000.00} to my XXXX card. 

This is completely uncalled for and they are personally responsible for my credit not getting to where it should be! 

I also asked for a copy of their privacy policy and never received one
Consumer complaint received 2020-11-07
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)

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent application s may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors , who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}
Consumer complaint received 2020-11-19
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
Equifax has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX AMT : {$7200.00} XXXX XXXX XXXX XXXX XXXX AMT : {$5500.00} XXXX XXXX XXXX XXXX  : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX XXXX : XXXX AMT : {$2400.00} XXXX XXXX XXXX  : XXXX AMT : {$4900.00} XXXX XXXX XXXX  : XXXX AMT : {$100.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$5500.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$670.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. New York, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I have a fraudulent charge on my Chase Visa card. I have requested contact information for the merchant so I can speak to them directly. Chase has been unable or unwilling to give me this information. I did not receive the product the company claims they mailed to me nor any of the products listed on the website. I received a strange package from XXXX via USPS in XXXX that was thrown away. ( at that time, there were reports of US citizens receiving strange packages from XXXX, many with unmarked seeds. We were encourage to be careful of these ) My package contained junk childrens spoon and fork. I believe this package was used to show delivery so that XX/XX/XXXXcould legitimize the credit card charge. 
I believe this is an international fraud problem and that I have been a victim.
Consumer complaint received 2020-10-15
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. (NJ)

I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

XXXX XXXX XXXX made a fraudulent debit charge to my account on XX/XX/2020. They did not process the online order because they immediately reported that the order was cancelled and never processed. XXXX XXXX XXXX   acknowledged that they never processed the order. But they immediately charged my Suntrust account for the amount of the order. The charge showed up as a pending charge in my Suntrust checking account as a debit at XXXX on XXXX. Multiple phone calls to XXXX XXXX XXXX over the next 5 days and they could not even verify that they charged my account and XXXX and supervisor XXXX admitted that they did not know if or when the pending charge would fall off of my account but told me to call back on XXXX. Contacted Suntrust because XXXX & XXXX didnt know when or if the error would ever be corrected, and I was left in limbo because if the charge cant be found at XXXX XXXX XXXX, they cant correct it and suntrust will leave the charge pending on my account. Suntrust said that the charge was debited from my account and then debited that same day, XXXX. They know the charge was in error, but would not release the pending funds back to my account. Holding the funds for indefinite period so that they collect interest on the funds. They do this illegally on millions of accounts, fraudulently
Consumer complaint received 2021-09-28
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: WELLS FARGO & COMPANY (NC)

I ( a natural person ) was issued a false debt and is steady being violated by Wells Fargo Auto Services. They sent me a letter which I uploaded with the alleged debt and many violations that they broke. I am the original creditor who provided debt and this company keeps harassing me about an alleged debt. 


Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I am a consumer who created the debt via my extension of credit to WELLS FARGO AUTO.

WELLS FARGO AUTO shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am trying to lift security freeze with Equifax. They say it can't be done until 10-15 days. I was able to temporarily lift it a few days before with no issue. Now I can't. Was able to lift it on XX/XX/XXXX. Tried again on XX/XX/XXXX and was told no and a waiting period of 10-15 days. I am trying to get a home loan right now.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my Checking account with Citibank through 2 unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affadavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affadavit for a decision to be made in regards to the fraud investigation. I called the Citibank Fraud department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. 

Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I receieved the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additonal information, and only left a general line to call with questions.
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Aqua Finance, Inc. (GA)

On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX  XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. 

On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. 

I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. 

The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! 

On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. 

How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. 

Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. 

I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TN)

XX/XX/2020 I was hospitalized and unconscious. XXXX XXXX I filed a complaint with Chime because {$410.00} was taken out of my account from my stimulus check. It was a payment of {$350.00} and {$60.00} to someone named XXXX XXXX I dont know this person. I have disputed these transactions on numerous occasions, because Chime will not refund my money back to me because they say in the records from the investigation Chime decided it was NO ERROR. I have the records from Chimes investigation and I highlighted the error and disputed the transactions again. Neither transaction was notified to my Chime app on my phone. Chime is sticking to the decision they made and will not refund my money that was not sent from my phone or my debit card. The only way I had access to my Chime account and app is by using my fingerprint on my phone or my physical debit card. I have disputed these transactions over 4 times since XXXX. ( I have all emails available. ) Now chime Has closed my account and Chime have not explained to me why they closed my account and why I didnt receive my funds back in my possession. I have contacted support @ chime plenty of times to get the answers I need. I have not used my Chime account in the past 30 days at all.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

I placed an order with XXXX  XXXX on XXXX XXXX for two dresses to attend a XXXX XXXX ball on XX/XX/2020. I paid for the dresses through my paypal line of credit. Well I have emailed and called and emailed and called the XXXX  XXXX company and have not gotten a answer or update on my order. So being that I needed the dress by XX/XX/XXXX and it does not look like its coming, I filed a dispute with paypal ( whom i paid for the items through ). All paypal did was tell me they have reached out to the company and Have not got a response from them.. I have read reviews on The XXXX XXXX company and many buyers are saying that experienced the same thing that I am experiencing and some even said they never got there order and the company nor paypal will give them their money back. I can not understand why paypal will be letting this company use them and they are a fraud.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Neiman Marcus Dispute Customer since XXXX, no missed payments. 
On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. 

This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. 

I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. 

My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. 

I feel my account has been closed due to the multiple escalations to management for the still open claim. 

Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. 

Please see attached letter, which has also been sent via USPS certified mail. 

About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In 2008 we purchased a property directly from Wells Fargo that was a foreclosure. The property had a single family residence & a mobile home on a permanent foundation.Wells Fargo financed it through their home mortgage department. The interest rate was 6 1/2 % at the time. As interest rates started to decline I called Wells Fargo multiple times to get a refinance. I also received cold calls from them about refinancing it. They declined each & every time. They finally explained to me the reason behind refusing to refinance. It was due to the mobile home on the property.Desperate I called XXXX XXXX XXXXXXXX to see if I could get a refinance through them & received the same response. I found all my disclosure docs from Wells Fargo, and no where is it disclosed about cautions or warnings about the hazards & potential difficulty of refinacing a property with a mobile home.They have a fiduciary duty of utmost care, integrity, honesty & loyalty to the Financee. A duty to disclose all material facts affecting the desrability of the property due to difficulty of refinancing. In the last 11 years we have paid tens of thousands of dollars in finance charges due to the high interest rates.