davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: MECHANICS BANK (NV)

The bank stated I was 94 days behind on my payments. The payments in question cleared by bank on XX/XX/XXXX in the amount of {$850.00} and payment of {$410.00} on XX/XX/XXXX Nothing was returned or refused by XXXX XXXXXXXX XXXX. 
I did receive my monthly payment statement showing that I was past due in the amount of {$360.00}. How is this possibly 94 days behind in payments when the payment was due XX/XX/XXXX 
After my car was repossessed, I was sent a payment history from the bank. The bank reversed my payments on XX/XX/XXXX and the reapplied them back to my account on XX/XX/XXXX 
Please, someone explain all this to me. The bank was very quick to dismiss my complaint and claims it has good customer service. Not according to the XXXX rating I've seen and all the negative comments I have read. 
Also, the bank said they repeatedly called me. That's all well and good. No messages were left for me and if this was as serious as it turned out, I would have appreciated a bit more effort on their part. 
I am attaching my documents to show what I am referring to. If the bank wants more documentation, please let me know. I would like an explanation of the processing of my payments and why were they credited back to my account if I was 94 days behind in my payments.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax continues to work with XXXX XXXXXXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Equifax and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (AL)

I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was XXXX XXXX XXXX 's previous response : XXXX XXXX XXXX is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$280.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-08
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. (OH)

For the past year I have been going back and forth with equifax and XXXX over the inquiries on my credit report. Unlike experian, both equifax and XXXX  dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both XXXX and equifax. I was told by equifax that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by XXXX that I sent it to the wrong address and I mailed it again to the address the representative gave me. XXXX this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, XXXX has addressed and removed all the inaccurate inquiries from my report. I have only XXXX inquiries on XXXX as to having XXXX and XXXX on XXXX and equifax respectively. If XXXX removed theses same inquiries there is no reason the other 2 credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies XXXX, XXXX, and equifax have inquiries on my report that are over 2 years old and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent my 2nd letter to XXXX, EQUIFAX, AND XXXX on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX XXXX XXXX from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Consumer complaint received 2024-07-07
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. (IL)

I noticed some unauthorized credit inquiries on my report, and despite my previous request for their removal, the bureau has not complied. I am now providing an identity theft report as evidence and kindly ask that these inaccurate inquiries be removed from my credit report promptly.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NV)

I tried to open a checking account in the US Bank Main branch in XXXX XXXX XXXX XXXX XXXX but they refused my application without any compelling reason. I tried to contact them several time, but I could not solve the problem. At the end they told me the reason is this : " No new account because of Sanction ''. Maybe because I am from XXXX. This is not acceptable to me, because lots of my XXXX friends open account in this branch during XXXX, XXXX, and after that. This is clearly a discrimination because they do not open the account just for me. I could get a bonus on opening the account, but I missed it because of this obvious discrimination. Customers are not important for them.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (SC)

On XX/XX/XXXX of this year my bank card/checking account was hacked. I immediately called the bank to dispute fraudulent charges to which they did not let two transactions process but did let others post. I have been trying for a month to get them to credit me back the {$230.00} that the fraudster used my account to pay their XXXX broadband bill and SoFi will not give me any reason why they denied crediting my account. I have called and called and sent emails. I even emailed vyve to see if they could help me but they have not been able to because I dont have the account number of the persons account that was paid. I sent them transaction numbers but I have not heard from them besides me calling was he first they had heard of the fraud. The initially credit it and then turned right around and debit it without any reason. I objected to the denial and a few days later they emailed me that unless I have new information the claim was still denied. They know my account was hacked. I denied all fraudulent claims the same day it happened and I was told it would all be taken care of. I spoke to one of the other companies that my card was used fraudulently and the bank had not even reached out to them at all. I have never had my account hacked before. This is a first so its not like they have ever dealt with me on anything like this before.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

Hello I opened US Bank Skypass Visa Signature Business Card around XX/XX/scrub>XXXX 

After I spent {$5000.00} with 3 months, I was expecting to receive XXXX sign-up bonus. 
But I didn't receive XXXX sign-up bonus. and I called them around mid of XXXX why I didn't receive the sign up bonus. the agent said I will get the bonus mileage later. 

I waited XXXX months.but I didn't receive sign-up bonus I called on XX/XX/XXXX for checking the status, Agent said I will get the sign-up bonus. 
At that time, I asked if I could receive a sign-up bonus for the same business card but with different company names, and agent said " yes '' ( agent 's name is XXXX. maybe ) But I got the letter that I will not receive the sign up bonus. they said I already received the sign-up bonus. 

I called on XX/XX/XXXX, and they changed their mind and said will not provide sign-up bonus. Why did they say " yes and wait '' when I called multiple times, why now they said " No ''. 

I want to receive XXXX signup bonus as their call center agent confimed it.
Consumer complaint received 2024-10-17
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (CA)

consumer financial investigation burau USA Subject : Complaint Against Money Network Regarding Fraudulent Charges on EDD Debit Card # XXXX XXXX XXXX XXXX Dear Sir / Madam, I am writing to express my frustration and concern regarding fraudulent charges made to my Money Network EDD debit card. On XX/XX/year>, an amount of {$400.00} was fraudulently used in two separate transactions : {$400.00} at XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  NY {$4.00} at XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA I have no idea how my XXXX XXXX debit card could be used in New York and Georgia, both out of state, where the CARD was with me all the time These unauthorized transactions occurred without my knowledge or consent, and I immediately reported the issue to Money Network . 

Unfortunately, the response I received from Money Network has been unsatisfactory. I was informed that their investigation could take anywhere from 45 to 90 days before any resolution or payment could be made. As a result, I am left without access to funds that are critical to my well-being. I sent back the paper work back to them which according to them they have received one day late and they could not process the provinal payment and I have to wait for 45-90 days.

I respectfully request the urgent recovery of my money. It is unfair that I should have to endure financial hardship due to what I believe to be a lack of proper security controls / compliance in Money Network 's system. 

Furthermore, I am concerned that Money Network is not fulfilling its obligations to secure customers ' funds, and I question whether their services have been properly audited by the Federal Reserve, the Office of the Comptroller of the Currency, or the Federal Deposit Insurance Corporation.??? 

Additionally, There is a serious deficiency in their controls of, and its a reflection of the deteriorating financial oversight by Federal Reserve, the Office of the Comptroller of the Currency, or the Federal Deposit Insurance Corporation. in America. As President Trump has rightly pointed out, the situation resembles that of a third-world country.

I am requesting immediate action from your department to investigate this matter, hold Money Network accountable, and ensure that I receive the {$400.00} that was fraudulently taken from my account. 

Please let me know how this can be resolved urgently. I also request that the California EDD consider reviewing Money Networks license and their ability to manage EDD payments if such issues continue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Years Cell XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase Inc. has blocked usage of my account until XXXX is completed but wont respond to me after I updated my information! 

Coinbase reached out to me on XX/XX/XXXX letting me know that I needed to undergo XXXX again and requested some information. I did not see this email and 2 weeks later my account was blocked. This is a big deal for me since I have ~ {$50000.00} USD of USDC on their platform collecting yield at 5.2 % largely deposited from my XXXX. I responded immediately on XX/XX/XXXX and then tried to escalate multiple times via Coinbase support portal. Despite trying to escalate this I have not received a single response, and my money is effectively locked as I have no way to convert the USDC into dollars. 

XXXX is good, I agree. But when the company doesn't have the support staff to properly respond to requests and leaves inquiries on BLOCKED ACCOUNTS without a response for weeks on end without an XXXX is detrimental to individuals. 

This company has locked my money, asked for proof of employment and other documents for XXXX and now is not responding to any of my attempts to further reach out to achieve resolution. Shame on them
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : XXXX ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last six digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On about XX/XX/XXXX I sent via Mail to Equifax, all the evidence I had in support of having my account with XXXX XXXX removed from my Equifax report. I also sent along copies of my XXXX and XXXX reports where this account was removed already. I attached evidence of my attempts to resolve the matter legally, and included lawyer correspondence, a demand letter, and a police report. The litigation specialist at XXXX agrees that I was the victim of fraud by the tractor dealer who sold my tractor and then did not pay off the XXXX loan. I believe that this account should no longer be on my credit report since the collateral for the loan was fraudulently sold ( converted ) and then the business refused to disburse funds to pay off the loan. I stopped payment on the loan so that XXXX could proceed with XXXX/foreclosure actions and attempt to recover the asset. XXXX deleted this account from my report in XX/XX/XXXX. Equifax, after 5 attempts, has failed to do so, and this blight on my credit is causing hardship in my household.