davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
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. (AL)

I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED EQUIFAX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

Ally Financial threatened again a Noncitizen National of the U.S.AXXXX ( ( 8 USC 1101 ( a ) ( 21 ), 42 CFR 61.1 ( b ) & Public Law 94-241 Section 302 ), a Sovereign American, and an Internationally Protected Person ( 18 U.S. Code 112 ) that they will unlawfully steal my private car knowing that they violated the law and crimes. The agreement must be able to be rescinded. 

The private car has a judicial notice. Stealing it from me is a crime. 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law. 

All of these will be used against you on court. 


A Corporation can not sue the living man Rundle v. Delaware & Raritan Canal Company, 55 U.S. 14 How. 80 80 ( 1852 ). 
15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge. 15 U.S. Code 1662- Unlawful requirement of downpayment
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

CareCredit/Syncrony Bank close my account, without notice, after wrongly accusing me of missing XXXX payment and starting the patient was returned. They said they never received a patient from me in the amount of {$190.00} that was scheduled on XX/XX/31 and cleared XXXX. I have provided confirmation as well as their own payment confirmation I received when I scheduled the payment to confirm processing. Now, I am supposed to have XXXXXXXX XXXX, using this account and will not be able to, after many attempts to get my account opened back up, fix my credit report and have my procedure for my health and well-being, after their mistake, and they are not responding, saying it may take 60-90 days, which considering they have had that payment and should have never closed my account, this is a huge issue!!! Canceling this XXXX will cost me over a {$1000.00} this needs urgent attention!!!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XX/XX/XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX 3 . XXXX/XXXX XXXX inquiry date : XX/XX/XXXX 4. XXXX inquiry date:XX/XX/XXXX
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I filed a complaint with CFPB in XXXX of XXXX and did not get a satisfactory outcome. CFPB Complaint ID : XXXX I did speak with XXXX from the CFPB on XX/XX/XXXX and she looked at my case. She told me to File the complaint with OCC, FTC Fraud Department and my states AG Office. Since then, I have filed complaints with the Michigan State AGs Office, FTC, OCC and North Carolina State AGs Office. In my filings to the other agencies, I explained of the filing in XXXX to the CFPB and the unsatisfactory response I received from the bank, Flagstar. In each complaint I was told to refile the complaint with the CFPB. I have attached the file with the complaint to the OCC, for more clarity. 
I just want the bank to treat us fairly in this situation, so my attorney advised that I file this one last complaint with the CFPB before we move ahead with a lawsuit.
Consumer complaint received 2023-02-13
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. (MI)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase Closed my account with no prior notice, they claimed to have tried to contact me but i received no letter or missed calls from them. i tried calling multiple times to get an answer as to why it has been closed but they do not want to disclose why. it all started on XX/XX/2023 when i tried to purchase some groceries and my card was declined, went to the bank they said my account was closed and they couldn't tell me why. there is currently XXXX in the checking account.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (CA)

XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : I found this number called me multiple times, and called back at XXXX XXXX. The person on the call talked about the debt collection and asked me to pay it. I asked them to send me a letter about the details. The destination address was verified by both of us. 
XX/XX/XXXX : Called me at XXXX XXXX, asked me to pay the money just like the previous call doesn't exist. I felt it was weired, asked them to send a letter again, the person directly cut off the line without answering to my question. 
XX/XX/XXXX : Called me at XXXX XXXX I answered to the call but no one was talking to me. 
XX/XX/XXXX : I sent an email to them, complained about the bad communication, and asked for a written statement and the way to resolve this issue. No reply. 
XXXX : Called me at XXXX XXXX, I answered to the call but no one was talking to me. I called back at XXXX, re-stated my request to them, I need get a written statement, by mail. The person said they have already sent out the letter to my address. I said it has been more than 10 days since I requested on XX/XX/XXXX, could you send it again in case the letter was lost. The person refused. Then I asked if they can send an email to me, the person agreed. But nothing received. 
XXXX : Called at XXXX XXXX, I answered, no one talking to me. I sent another email at XXXX XXXX. No reply. 
XXXX : Called at XXXX XXXX  again. I directly rejected because their bad history of communication. I called back at XXXX XXXX  after I finished most of my work today, but nobody answered the call. I feel very frustrated about this issue, and start filing a complaint on the website of cfpb. 

From the date I recognized there is an issue for me to deal with, I have been actively contacting them for information and solution. They seems badly organized and irresponsible. There is no way to get any written statement back from them. However, they are addicted to calling people in the early morning, which is illegal according to the law, but conveying nonsense in the call, totally helpless to resolve the problem. 

I take my credit seriously and recently got into anxiety because of their bad communication, which affected my life and work deeply. I need the help from CFBP to resolve this issue.
Consumer complaint received 2023-02-12
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. (TX)

XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX  FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MD)

i HAVE CONTACTED ALL XXXX CREDIT BUREAUS AND FILED DISPUTES REFERENCING RESURGENT A CREDIT COMPANY WHICH BOUGHT AN ACCOUNT I HAD. APPARENTLY THE ACCOUNT WAS PURCHASED TWICE AND THE AMOUNTS ARE DIFFERENT. THEY ARE REPORTED DIFFERENTLY ON MY CREDIT AS XXXX DIFFERENT ACCOUNTS AND XXXX DIFFERENT AMOUNTS. I HAVE REQUESTED THE ORIGINAL DOCUMENTATION FOR THE ORIGINATION OF THE LOAN AND THEY HAVE NEVER PRODUCED SUCH. THEY JUST WAIT A FEW MONTHE THEN RESUME WITH COLLECTIONS. THEY HAVE GOTTEN MORE AGGRESSIVE MORE RECENTLY.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I have more than one problem. I contact Wells Fargo in regards to class actions law suits and to ask them how many accounts did I have that qualify. No one returned my call like I was advise Also I submitted a claim twice both times I was told that they requested info and I didnt comply but I haven received the request for info from Wells Fargo
Consumer complaint received 2023-02-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute to Transunion on XXXX XXXX. It is now XXXX XXXX and I still havent gotten a response. I would like Transunion to delete the disputed information off of my account or other actions will be taken.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MD)

Ive been having issues my credit card since XX/XX/XXXX. Ive called them on several occasions trying to get this matter straight. Ive disputed charges on this card and received a new card. I called them on XXXX XXXX because I had no statement. I received my statement 2 days later via email, my balance was {$170.00}. I paid {$170.00} on XX/XX/XXXX now they say I owe them {$8.00} interest charge. I dont understand how and why.
Consumer complaint received 2023-02-11
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. (OH)

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 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, 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 instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2020-04-23
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)

CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION
Consumer complaint received 2023-02-07
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NC)

I recently checked my credit report and saw that on XX/XX/2022 " WELLS FARGO DEALER XXXX '' ran my credit report. I did not authorize this inquiry. This inquiry has caused my credit score to decrease. I fear that my identity has been stolen.
Consumer complaint received 2023-02-07
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 (WI)

XX/XX/23 {$110.00} Account statement was a XXXX for a {$50.00} dollar membership. I called the card company and they said to pay a bill I don't owe, and they would refund {$66.00} on the charge card I don't want to use to get my money back. This is a Sam 's Club membership and a Sam 's Club card.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAROLINA FINANCE, LLC (NC)

I recently checked my credit report and saw that on XX/XX/2022 CAROLINA FINANCE , LLC ran my credit. That inquiry has caused my XXXX XXXX to decrease and I fear that my identity has been stolen.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

Quicken XXXX AKA Rocket mortgage ... .first they offered forbearance plan and said I can just defer payments to the back of the loan but now that I'm ready to resume my payments they won't accept them. They are saying to pay XXXX in missed payments first or they start foreclosure. I keep telling them I want to start making payments but they are only threatening me with foreclosure.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (ND)

I bought XXXX XXXX XXXX  prepaid XXXX  from XXXX in XXXX , XXXX  on XX/XX/2022 in the amount of {$50.00} each, and charged {$4.00} for each card. I sent XXXX of the cards, the one that I'm writing this complaint about, to a family member in XXXX. After activating the card, he went to use the card for the first time, and it said the balance was {$.00} ( XXXX cents ). After trying to look the card up on the XXXX XXXX website, it said the card was invalid and call customer service. After being told by XXXX, the initial rep on the phone that she needed my full name and information to look up the prepaid card, which has no name associated to it, and that she wouldn't take the rest of the card info and see what the problem with the card was, WITHOUT my full name and info, I conveyed my frustration of not wanting to give my full name until we found out why the card said invalid. She refused to continue, so I asked for a supervisor. The supervisor finally got on the line and started to help me. She took the card info, WITH only taking my first name and said the card had been used to make XXXX purchases at a computer store in XXXX  for {$43.00} and {$5.00}. They said they wouldn't file a dispute without intrusive personal information that is not necessary to the situation. As I was talking about me giving verbal permission on this call to start a dispute, since the calls recorded, the call was disconnected, they hung up on me. So here I am. They were NOT willing to help me without unnecessary personal information. They were rude. When I asked for a ref # or customer service ID #, she said there wasn't XXXX. I expressed disbelief that only a first name oh XXXX is my reference to the call for future conversations. She eventually pulled a reference number out of the air it seemed, as I repeatedly asked for some kind of reference number. Reference # XXXX was given. I'm out the {$50.00} and {$4.00} fee for purchasing the card. My family member had to wait longer for me to send them another XXXX gift since the card info was somehow stolen before I purchased it. This is ridiculous to be treated in such a manner. I just want the money I spent on this prepaid card. That is what they owe me!