davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
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. (IL)

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 Is the same as it is under 15 USC 1620 ( 1 ) Which is The term credit card means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. Notice Congress said any card. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX is the corporation in this case Which puts you in violation reporting late payments. You are also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41 and a violation to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also pursuant 15 USC 1640 I demand that you pay the attached invoice for violating my federally protected consumer rights and damages caused by check and also labeled as exhibit a is proof of the violations. Also attached is the the invoice along with the certified mail receipt that was sent.
Consumer complaint received 2021-07-21
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: CITIBANK, N.A. (CO)

Hello! 

I'm trying to resolve a set of disputed charges on my Citi card. On XX/XX/XXXX, a set of fraudulent charges from XXXX appeared on my statement. I've attached a list of the related transactions. The sum of charges and refunds adds up to {$150.00}, not {$0.00} as it should. 

Citi noticed the suspicious activity, called me to confirm I didn't purchase anything from XXXX, then credited my account with three security credits matching the original charges. 

Simultaneously, XXXX issued partial refunds of {$200.00} and {$200.00} to my account. On XX/XX/XXXX, Citi concluded the investigation and attempted to reverse the XXXX refunds, leaving the SECURITY CREDIT ones. Unfortunately, the refunds were for {$350.00} and {$230.00}, which didn't match the original XXXX credits issued to my account. 

After the full set of charges and chargebacks, I'm still owed {$150.00}. 

I've tried getting in touch with Citi repeatedly since XXXX. I've made a half dozen phone calls to their fraud department and used the online chat to try and resolve things. I still don't have the refund I'm owed. 

Couple other notes. It's been hard to track down the transactions since Citi migrated transaction history to the new card number and purged the old one from the web dashboard I can see. Also, all of the transactions were dated to XX/XX/XXXX, but the security credits posted on XX/XX/XXXX, and the final XXXX charges posted on XX/XX/XXXX. 

Thank you very much.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

The online payment system doesnt work ... the call in system doesnt work, Whenyoun call the support number it is only automated and no person will ever answer,, after the 2 hour hold time it disconnects the call I can't go anywhere in person to pay the bill, they do not allow that
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 second attempt to place a complaint to the CFPB. 

On XXXX I sent a letter to 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 am 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 2023-02-13
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. (AZ)

There are 5 hard inquiries on my TransUnion credit report that I don't recognize. These hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I accepted a promotional offer through XXXX to open a Credit Karma XXXX XXXX bank account after filing my joint taxes with my husband this year. Their was a monetary incentive. Our refund was to be deposited into this new account. I received my debit card shortly after opening the account ( XX/XX/2021 ). I did not deposit any additional money to the account being that my sole purpose for the account was to keep our refund separate from our income. 
Our tax refund finally deposited XX/XX/2021. When I tried to use the Credit Karma debit card it kept declining. I spoke with customer service on XX/XX/XXXX, and was informed my account had been frozen. They refused to give me any additional information or time frame for when this matter would be resolved. I have reached out and havent received any response or communication on their behalf. The customer service agent said they would expedite the issue and would send email confirmation. That did not happen. 
I linked an account on XX/XX/XXXX. On XX/XX/XXXX I received an email concerning new activity and the security of my account. They requested I send a front and back photo of my ID and bank statement for the linked account. Credit Karma Member Support said the issue would be resolved after they received these documents. I have sent two separate emails inquiring about my account status ( XX/XX/XXXX and XX/XX/XXXX ). They have not responded. My account has been frozen for 14 days and I have no clue why or how I can resolve this issue.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2019, I received notice from my insurance company ( XXXX XXXX XXXX ) that my insurance payment due from my mortgage company was past due in the amount of {$990.00}. 

I then tried to call NewRez - my mortgage lender who had recently bought my loan from XXXX XXXX. In trying to call NewRez, I " experienced '' their VRU phone menu for the first time. It took me over a half hour to talk to a person, after getting hung up on 3+ times in multiple different transfers. When I finally talked to an agent and they tried to transfer me to the Insurance department, I was hung up on again. 

When I did finally talk to someone, I was put on hold for over 30 minutes and no one ever came back to get me off hold. I can not believe that this company is allowed to function as a company when they can't even figure out how to answer a phone call. I am so frustrated that I had no choice in who my mortgage was being sold to and that I have no choice to move my mortgage away from NewRez - a company whom I did not select. I should have a means of moving my mortgage to a company that I choose to work with without having to refinance. 

Companies that can not execute on the basic functionality of answering the phone and talking to a customer should be shut down.
Consumer complaint received 2021-07-22
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: BARCLAYS BANK DELAWARE (TX)

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX, Barclays Bank, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Since XX/XX/2021, I have been trying to get the personal consumer statement on my personal credit file removed. I have spoken with several Equifax representatives who state it would be removed in 30 days but, the consumer statement still remains. I just recently spoke with the representative by the name of XXXX, and he stated that I needed to submit my documentation once again. Besides speaking with multiple representatives, I have sent letters, one certified, with my documentation and still no results. I have called XXXX  and XXXX  and they were able to remove the personal consumer statement over the phone right then with no issues.
Consumer complaint received 2021-07-21
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: Conn's, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... CONN XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hollis Cobb Associates (GA)

This collection agency have threaten to damage my credit report because of a bill that was created on XXXX. I was making payments to XXXX in an amount that I could afford, which began with payments of {$150.00} and because I could no longer afford that due to decrease in hours at work I was only able to the amount of {$20.00} per month. I applied for assistance with XXXX but I was denied help. XXXX sent this bill to collections and I have been in contact with this collection agency and communicating with them and have been paying them as much as I can my first payment was for {$78.00} and my second payment was {$100.00} which i sent out today in the mail and when I called them they were asking for more like {$77.00} more and I don't have more! We are still in the midst of a pandemic and it is really hard to pay more! That was all I could pay towards this bill and the collection agency stated that my account could at any time be pulled and sent yet another third party agency and it's beyond their control! It's really sad that I was charged this much in the first place a {$3000.00} plus just for in XXXX. This is wrong and if they are not able to handle this situation, then I know surely XXXX will! I still have to pay for housing and for my car so that I can even go back in fourth to make the little money I have to pay my bills with and if I only pay this one and not the others then I will not be able to go to work and they will not be able to get any money from me so what do they choose to send this bill to the get the little that I'm giving or to get none, seems like this is not understandable to everyone!
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

I opened an account with Coinbase and over the course of a year+ I slowly purchased a wide range of crypto currencies. At the end of XXXX I went to purchase {$100.00} worth of Bitcoin. The purchase fell to an old debit card I had on file with them. The payment couldn't go through on that card but I had my new card on file as well which was fine the purchase actually did go through on that. Coinbase claimed they never got the money. They did. They then shut down my account at the end of XXXX completely cutting off access to the XXXX I had in my account. 

It's been two months since this has happen and I've filed 10+ tickets, complaints with them, I've tried calling, tweeting at them and filed complaints with : the SEC , Coinbase, XXXX and FTC .
Consumer complaint received 2017-07-11
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: EQUIFAX, INC. (FL)

I have contacted all of the companies that had an inquiry on my report as I did not initiate these and they told me I would have to dispute with the credit bureau. So I called the credit bureau Equifax and they told me I would have to call the company to dispute. I feel as though both companies are just passing the buck to one another. I asked the credit bureau where is the validation proof of my signature that I initiated these inquires and they have failed to provide any as well as the companies have failed to provide this as well. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter which was sent on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-21
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. (MO)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.