davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NM)

I applied for a Lowes credit card on XX/XX/20 for the 20 % off introductory offer + 5 % off if I opted for one time payment vs 6 months installments. The application was approved and I placed an order for a XXXX XXXX which was scheduled to be delivered on XX/XX/XXXX. 

On XX/XX/XXXX, I was sent an email informing me that the delivery date has been changed to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email stating that my order was cancelled. 

After talking to customer service, they informed me that the payment didn't go through. After 18 days! Even though I used a credit card I applied for that day and got approved and used it to make the purchase. 

So now I have an impact on my bureau, no grill and Lowes is refusing to correct the matter.
Consumer complaint received 2020-10-08
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. (NY)

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

2 1/2 years ago I applied to refinance my mortgage with Wells Fargo. I had been with them for 15 years, had a high interest rate and needed to lower it. After 3 months of waiting I was refused. I tried to sell my condo 6 months later, had a buyer but she backed out at the last minute. This year in XXXX I tried for assistance with Wells Fargo, due to Covid I was having problems affording my mortgage. After 2 months I was denied. They say they are willing to work with me but how?. They suggested forbearance for a few months. I am XXXX years old, XXXX  XXXX. How could I possibly do that??? Where is the money all of a sudden going to come from, that would put me more in debt!! This doesnt make sense to me. I barely get by and have exhausted my savings. I dont want to go into foreclosure. I was an excellent customer for 15 years so why are they not helping me?? They pretend they want to and then fail to No one will help me unless I am in foreclosure. This is just awful.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

In the month of XX/XX/2019, the bank chase, closed my account, and does not want to return {$1000.00} that I had in my account, claiming that a deposit made to me by the XXXX  XXXX company was fraud and that the XXXX  XXXX company reported it as fraud, therefore chase informed me that he would close my account and withhold my money, because I would return it to XXXX XXXX, I approached chase to show the proof that everything was correct, but even so they They proceeded to close my account and take my money, to return it according to them, to XXXX XXXX, a situation that has never happened, because as of today, my money is still in the account, I have come several times to demonstrate them with evidence Chase, this was not a fraud, I even have the person who owns the XXXX  XXXX account, I speak with the bank to clarify the situation, but the bank still does not want to return my money, therefore I request that they help me with this situation, Well I was harmed, and actually the person who deposited me that money still tells me that everything is correct.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

I have an online savings account with Marcus by Goldman Sachs. It worked fine in the past. However, starting from the first half of 2021, I consistently had problem log into my account through all of my laptops & a desktop. Every time I went to the account log-in page using those computers, Marcus showed me a blank page. There was no way for me to log in. It has been for more than 8 months that I had challenge simply logging into my account. I called them numerous times but it was never resolved. There were a lot of frustration, even anger. They told me that it might be because of the conflict of antivirus software installed on my computer. The antivirus software I use is XXXX, which is a very popular one in the market. And NO OTHER BANK had this problem. I do not feel comfortable that I have to disable my antivirus software to log into my bank account. The most recent time when I called Marcus might be in XXXX or XX/XX/2021. I requested them to escalate my complaint and solve the problem. After that, the log-in website worked once or twice. Now I have the same problem again! I can still log into through my cell phone APP. However, I dont feel comfortable to use cell phone to log into my savings account and make transactions.
Consumer complaint received 2020-09-22
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. (MA)

Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-08
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. (AL)

XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Equifax and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

ON XX/XX/2020 AT XXXX XXXX  RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION . I NEVER RECEIVED A RESPONSE FROM XXXX. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO XXXXXXXX. ON XX/XX/2020 I RECEIVED AN UPDATE FROM XXXX  THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED ( XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE SPECIALIST DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.
Consumer complaint received 2020-09-21
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)

This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX  These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-07-21
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. (MS)

This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MO)

After reviewing my credit profile I noticed a collection from IQ Data Int.  They are collecting a debt for XXXX XXXX. per Account # XXXX I disputed this with XXXX  and XXXX  and I have not received a response from these two major bureaus. I sent a certified letter to IQ Data International per US Mail XXXX XXXX XXXX XXXX XXXX and it was returned as undeliverable. On XX/XX/2020, I contacted the company and spoke with XXXX. I explained to XXXX that they are reporting a debt I do not owe. I told her I don't no own a home or have never rented an apartment with XXXX XXXX. I asked her if she could provide me documentation of the debt which she refused. She told me to speak with XXXX the compliance manager. Over the next several days I can not get anyone to give me the information I requested. And I'm not sure if this XXXX guy exists. My research online shows thousands of complaints with this company over the same issues I'm having. I do not owe them over XXXX and this is affecting my credit scores. I never lived in the state of Georgia and I do not own a home. This is false and deceptive reporting. Please provide me with all the documentation you have with my signature proving I owe this debt. If no proof can be provide, delete this from my account.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

Chase reported that my Chase auto account is delinquent. It is current paid on time as agreed. They reported that my balance is {$28000.00}. My balance is really {$10000.00}.
Consumer complaint received 2020-05-06
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. (MN)

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XX/XX/202 we noticed my wife 's Equifax credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : KMN at XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an Equifax score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to  any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

last month in XXXX, my company gave us a 15 % salary reduction for the next 3 months. I was looking at my finances, and my bank Wells Fargo had a popup talking about COVID-19 and that I could put my mortgage on 3 month suspension, so I clicked thru and got it deferred - WellsFargo said on the site ( among other things ) : A short-term payment suspension temporarily pauses your obligation to make monthly payments for 3 months. During this time, we wont charge late fees or report additional missed payments to the credit bureaus. 

So, that was in beginning of XXXX. When my XX/XX/XXXX payment came up, I tried to make a payment to my Mortgage from my checking account, and i got a weird error message saying " no linked accounts can make a payment to this mortgage ''. I called WellsFargo, and asked them why I couldn't make a mortgage payment. They said it was because my mortgage was in forbearance. I asked them to remove that, because I can make make my payments without any issues and it was a mistake to enable the forbearance. 

So on XX/XX/XXXX, I started shopping for a new mortgage, and am working with a mortgage broker ( MB ), who pulled my credit on XX/XX/XXXX, and told me to pay down a credit card ( which I did ), and he'll pull a new score. today, he pulled the new score, my score went up by 20 points and I'm in a great position for a new loan. Except there's a problem - WellsFargo sent an update to all 3 of the credit bureaus that my mortgage was in a 3 month forbearance - Deferred to XX/XX/2020 - and this is now listed on all 3 credit reports. 

My mortgage broker said this was a HARD STOP to my refinancing as they won't work with anyone with a forbearance on their mortgage. I called Wells Fargo and they said yes, they did remove the forbearance, and will be sending me a letter saying this. But my MB said he can't do anything with a letter. 

WellsFargo will not do anything to remove this from my credit report ( called them twice today ( XX/XX/2020 ) and both times got hung up on while on hold - but basically said said i have to wait until credit reports update next month. i am going to miss my window to refinance. anything i can do?