davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (SC)

I filed for XXXX  XXXX bankruptcy on XX/XX/2017. XXXX XXXX XXXX, who held my student loans, was notified on XX/XX/XXXX, XXXX XXXX reported my account 60 days late on XXXX of 2017. This was only reported to Equifax and was in error. No updates to accounts sould be sent to credit reporting agencies while in a XXXX  XXXX. No info/data should be reported. 
XXXX has not resolved inaccuracies on my Equifax report. XXXX sent me the letter attached and told me to send to Equifax in yet another dispute. Equifax answered with this : >>> The information you disputed has been updated as well as other information on this item. Account # - XXXX The results are : ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED ; AND WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX How XXXX are these people? PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED Really? 


I have also called XXXX and Equifax directly to dispute. I have mailed numerous registered letters via USPS. I have filed complaints with the Department of Education. I have contacted the XXXX XXXX 's US Representatives office here in SC. The 3 credit agencies did not even respond to letters sent from this office.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2022-09-01
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. (OH)

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.
Consumer complaint received 2022-09-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-01
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-01
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. (TX)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I was transferred over to EdFinancial some time in XXXX after being with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I made a payment of {$10000.00} dollars to XXXX in the summer of XXXX during the loan freeze. EdFinancial has no history of this payment and instead are just now requesting my payment history from XXXX. They said this process would take 60 business days, when I feel as if they should've gotten my payment history beforehand when my account was transferred to them. 
The entire purpose of getting my payment history is to be able to get a refund as is written into the CARES act and credit that to my balance instead. They quoted me another 150 business days to get the refund processed. It seems as if this timeline is far too long and might even occur after the debt relief is credited to my account. Other loan servicers are quoting 4-6 weeks which seems much more reasonable with some even getting the process done in a week. One key point of this quote is the fact that the refund is set to occur after the the payment/interest freeze is lifted meaning that the loan will be able to accrue interest once refunded. I'm not sure if this is their reasoning behind the long quotes but it definitely seems like a possibility from where I'm standing. 
The company doesn't send e-mails or any other type of confirmation to assure you that they've actually submitted your requests, rather forcing you to contact them to confirm. There have been quite a few cases where upon this contact the loan recipient finds out EdFinancial has no such request on record. All this uncertainty has caused me quite a bit of stress as well as frustration wishing I'd had any other servicer.
Consumer complaint received 2022-08-31
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. (NV)

In accordance with the XXXX XXXX XXXX XXXX. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

I have a Coinbase account and on XXXX XXXX my funds for {$20000.00} disappeared from my account without my authorization. I contacted Coinbase right away and they responded stating that I gave someone my recover phrases, which was not true, in fact my account was thumbprint protected. I did sign up for a mining pool, but even then I never shared my recover phrases or my password. I never willingly gave anyone access to my account with Coinbase. If signing up for that mining pool gave someone access to my account I dont understand why Coinbase didnt notify me while I was signing up for the mining pool that doing so would allow others access to my account. If they would have then I would not have signed up the mining pool. I found out after the fact that I was scammed by the mining pool and lost all my funds with Coinbase by going to XXXX and learning that others had also been scammed as well out of their Coinbase funds. Coinbase advertises they are obsessed with security so you dont have to be, so how did they allow this to happen to my Coinbase account without once notifying me that my account had been compromised.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXI XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX XXXX XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX XXXX XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account removed as soon possible : XXXX XXXX XXXX Date Reported : XXXX Balance : {$650.00} XXXX XXXX XXXX Date Reported : XXXX Balance : {$770.00}
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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 2022-09-01
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. (NY)

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.
Consumer complaint received 2022-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My complaint is with Citizens Bank. I got ( 3 ) three month forbearances due to financial hardship caused by covid-19 pandemic. 
My loan is now maturing & they want me to pay off in a lump sum. I asked for repayment options as suggested by CFPB website & they say I need to fill out Foreclosure Prevention Package. They do not have loan modification program specifically for exiting Covid forbearance. I just spoke to ( 2 ) representatives of Citizens on XXXX. One was from the office of the Chairman ; he provided me with a phone number for the correct dept. to call. Prior to that, I had called several times, to several numbers & been transferred back and forth endlessly. I've been trying to work something out on this since at least XX/XX/2022.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Since I opened my account with Bank of America my account was good but my problem is the in XX/XX/XXXX my account had a discrepancy of {$11000.00} about with the calculations I did in XX/XX/XXXX I had an ending balance of {$18000.00} which I spent {$7000.00} from XX/XX/XXXX to XX/XX/XXXX than on the XXXX of XX/XX/XXXX I got a email saying my account was insufficient I went to the bank and made the complaint and they said I had spent it so the handed me a statement from XXXX until XXXX for me to check when I did the calculations THE TOTAL SUM OF MY WITHDRAWALS AND SUBTRACTIONS DID NOT MATCH WITH WHAT I HAD REALLY SPENT MY ENDING BALANCE WAS TAKEN AND DISPERSED THROUGHOUT THE WHOLE HISTORY OF MY STATEMENT that I noticed when I added them up and the DICREPANCY IS OF ABOUT {$11000.00}
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I ate a meal at The XXXX XXXX in XXXX XXXX. I do not have the receipt, but it would have been about {$30.00}. Two days later, my Chase Freedom  credit card showed a charge of {$160.00}. 

I called the restaurant twice to speak to a manager. It was clear to me that the server had swiped my card for another table. The manager would not return my call. 

I disputed the charge with Chase. On XX/XX/XXXX, Chase informed me that the charge was valid and I would have to pay it. They submitted to me the receipt for the meal, which showed steaks and liquor for four people. Though it was charged to my card, the name and signature that signed it was not mine. 

I appealed the decision, citing the fact that I had not signed the receipt for which I was being charged. I also : 1 ) submitted a photo of the back of my card which showed my actual signature 2 ) submitted written testimony from three dining partners that I did not agree to pay for another table 's food and 3 ) suggested they show my signature to the restaurant so they could go through their bills from that day and find the actual receipt that I signed. 

On XXXX XXXX, Chase said my appeal was denied and I was liable for the charge. Chase did not provide any evidence that I agreed to pay for the other table of food, nor explain their decision in any way. I called their dispute department and was told that because I had given my card freely to the restaurant, they were allowed to charge any amount to it. I pointed out that I did not sign the bill for which I was being charged, and they said it didn't matter. I used an example of " What if I went to XXXX 's and bought a hammer and was charged {$600.00} for the guy behind me who was buying some decking boards? '' and was told " Yes, because I gave XXXX 's my credit card, they were free to charge anything they wanted on it, even without my signature. '' Of course this was ridiculous, but wanted to share this conversation by way of example of how I could not go further with this issue. 

In short - I was charged {$160.00} for a contract that I did not sign for, and they have proof it is not my signature. 

By the way, I have probably charged and paid off more than {$40000.00} to this credit card this year. There is no way I would try and scam Chase for {$160.00}.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

XXXX Sequium Asst Co Called today asking for {$110.00} for unpaid debt of my cable service even though it is active and current. Asked for more information about it but pressed for me to pay. Called 5 times this month. XX/XX/1919, and XXXX. They impersonated a collection company for XXXX XXXX.