davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX  for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX'. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries.

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry.

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Consumer complaint received 2023-06-02
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. (MI)

Once again for the third time submitting these violations inaccurate information on my credit report to transunion demanding transunion to remove account name : XXXX XXXX XXXX XXXX XXXX  from my credit report transunion has allow account to violated several of my FCRA rights, I submitted documentation of this account pay and full as agreed by collector on letter head that has identified there self collecting a debt for XXXX XXXX XXXX XXXX XXXX the documention show and identify who was paid as agreed the original debtor and this debt has been resolved by both parties including XXXX XXXX  which has collected the debt. Reading the fine print of this documentation clearly states this debt is resolve and is pay and full as agreed. 
This information also provided states Im know longer connected to any debt with this account and this account is pay and full as agreed by collector on letter head who has shown who they are collecting the debt for. which is XXXX XXXX Either remove this account and remarks or update this account as pay in full as agreed under my protected rights, if this account do not be removed or update to a pay in full account with no remarks as agreed, this account will be in violation of 15 U.S.C. 1692e for misleading me as the consumer knowing the debt has been paid as agreed Knowing the collector sort a debt out stating they collecting a debt on the behalf of XXXX XXXX which result in several violations on transunion as well, this account is also past the 30 day expiration for investigation again. which transunion must remove this account - or update a pay and full account with no negative marks, no charge off remarks on my credit report link to this account, as instructed also as show on documentation its paid. 


15 U.S.C 1692j section ( a ) 15 U.S.C 1692f under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I opened a Checking account in Chase Bank on XX/XX/2019. I opened it online and there was an offer that if I make direct deposit of {$500.00} in first 60 days of account opening, then I will get bonus of {$200.00} within 10 days. While opening the account online, it says " COUPON APPLIED AUTOMATICALLY '' so i don't need to apply any coupon or visit the branch for the same. My first direct deposit was made on XX/XX/2019 ( {$2000.00} approx ). After that second direct deposit was made on XX/XX/2019 ( Almost same amount ). But I didn't get my bonus. I called customer care on XX/XX/2019 to enquire my bonus, they said that I did not applied coupon so I will not get the bonus. I explained them that the website is saying that coupon is automatically applied. Then they asked me to visit branch. I visited the branch on XX/XX/2019 and meet the relationship officer " XXXX XXXX ''. She said that as I opened account online so branch has nothing to do in it and sent an email to branch manager Mr. XXXX XXXX. Address of branch is XXXX XXXX XXXX XXXX XXXX, Il-XXXX. I got a call from the manager on XX/XX/2019 regarding same and he also tell me the same story of coupon. If the coupon is not applied, then it is the glitch on the bank end, then why should I suffer. 
Please help me to get my bonus. 
Thanks. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (GA)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX  per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Good Morning, I was charged interest on my American Express Gold credit card in the amount of {$56.00} on XX/XX/XXXX. 

I called American Express on 3 separate occasions over the past 3 months inquiring about why this charge occurred and asking for it to be refunded. 

The following sequence of events occurred : -XXXX XXXXXXXX : I was told the charge was due to Buy Now Pay later feature that was erroneously turned on. I was told the interest would be refunded. 

XXXX XXXX : I was told the charge was due to a late payment, but since I was told the interest would be refunded on the previous call ( which they reviewed and confirmed ) they would refund the interest in the next billing cycle. 

XXXX XXXX : I was told no one knew why I was charged interest and American Express was unable to determine the cause. American Express stated that the information has disappeared, and they would not refund any interest. 

This is alarming and surprising coming from American Express.
Consumer complaint received 2023-06-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/2023 To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off [ XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification. 

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report. 

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements. 

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution. 

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute. 

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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)

Hello, I was going through my credit reports and saw hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX  XXXX XX/XX/year>. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (NY)

I spoke with Barclays card customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX ( Amazon ), XXXX ( Pay Pal # XXXX ), XXXX ( Pay Pal # XXXX ) was made with the proper clauses and provisions based on banking law in the amount of XXXX, XXXX, XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Synchrony Bank on XX/XX/2023. They accepted my instrument but did not credit my account correctly I did call and spoke to an XXXX and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (FL)

I've created an account with coinbase.com with the plan to do some trading with XX/XX/XXXX. I've made a wire transfer in the amount of {$24000.00}. They have deposited my funds and after that they restricted my account. They said : " Your account is temporarily suspended from sending cryptocurrency off the Coinbase platform - this is to protect against loss, because once funds are sent off our platform, we have no way to reverse those transactions. 

This feature will not be re-enabled until XX/XX/2020 at the earliest. Due to the current restrictions on your account, if you would like to send this crypto from Coinbase, you must first convert the crypto to XXXX and then withdraw the XX/XX/XXXX funds to your verified bank account. '' So I said ok, it's to protect me, lets wait one week and should be fine. After the date of XX/XX/XXXX nothing happened. I've emailed them again and they replied after 36 hours and said : " Hello XXXX, Thanks for reaching Coinbase Support. 

We've documented the information you have provided and have escalated this case to a specialist. We will follow-up with you as soon as we have an update.

Please note, these reviews are typically completed within 5-7 business days but may take longer. '' I replied, I've answered as they needed and again waited for another 3 or 4 days to receive an answer from them. 

They replied and they said : " Thank you for your patience while we reviewed your Coinbase account. All account restrictions have been removed, and you may resume using your Coinbase account immediately. '' but surprise, my account was still restricted, I couldn't do anything, so I've contacted them again and they replied after 3 or 4 days again stating " In order to properly investigate this issue, we will need you to provide an official bank statement in PDF form proving ownership of your linked bank account. 

Upload your documents through our secure SendSafely portal https : //coinbase.sendsafely.com/dropzone/cx-files/XX/XX/XXXX. " this is completely insane, why do they send me an email, after all this waiting and losing nerves, that my account is good and than is not good, send XXXX XXXX statement. I'm still waiting for their answer, because I already sent the Bank statement as requested. They should be restricted so they can not restrict customers without reasons!
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-09
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)

On XX/XX/2020 I sent out documents to Equifax, XXXX, and XXXX. 
XXXX  and XXXX reached back out to me but Equifax has yet to respond and send in documents that I requesting referring the debt they have on my credit report and what steps were taken to prove it was me Accounts that raised concern were, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX If these accounts can not be referred baring proof it was me with signatures and how they went about referring the debt I request that these accounts be deleted from my credit report. Its been over 30 days with no response our updates to my report.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/22 Synchrony Bank left me a phone message about suspicious purchases on my XXXX XXXX XXXX that was used for purchases at XXXX. ( Nothing else of my info was used, not my home address, nor my email address, just the card number. ) I called and was told of charges adding up to {$430.00}, none of which were by me. I was told of their, " {$0.00} Fraud Liability benefit, '' that I would never be responsible for unauthorized charges. An email letter sent by the bank said that the amount was {$400.00}. On XX/XX/XXXX, another email letter said, they had approved my fraud claim on my XXXX XXXX XXXX account based on the information they had so far. Then it went on to say, " Please note, this claim status may change within 60 days if we find you authorized these transactions. We will notify you in writing if this occurs. '' Yesterday, XX/XX/XXXX, I received a bill for {$440.00} and was told over the phone that they missed some of the charges when doing their fraud investigation and a new fraud case will be opened. I could see on the bill that the charges had been {$930.00} and an interest fee of {$10.00}. It showed {$490.00} in credits, leaving the {$440.00} that they missed in the fraud dispute. My concern is that they are incompetent and that my credit could be harmed. I have very good credit, as I always pay my bills. Can you help me?
Consumer complaint received 2022-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

My name is XXXX XXXX , I have been trying DESPERATLY to resolve my issues with MR. COOPER XXXX Since XXXX I have been in foreclosure. UPDATE : My forbearance expired XX/XX/XXXX. I was notify that payments will began XXXX, XXXX. I have sent XXXX payment, XXXX payment, XXXX and XX/XX/XXXX have ALL be submitted so far. Mr. Cooper is making do a 6 months TRIAL period. When I was approved 3 months ( Modification ) TRIAL period. Mr. Copper changes the rules to benefit themselves, every time I am close to getting out of the cycle I am forced back into something else, that cos me STRESS, FINANCES AND HARDSHIP. Mr. Cooper has NO intention to resolve the problems. They create MORE, MORE, MORE Delays.