davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (FL)

Equifax is NOT investigation thoroughly accounts that are been disputed by consumers such as myself. I have contacted Equifax specifically via certified letter ( please see attachment ) concerning the verification of a total of three ( 3 ) accounts that can not be verifiable. The first two accounts are with the company XXXX XXXX. XXXX XXXX, account # XXXX and the second account, XXXX XXXX XXXX. Also, I have disputed online with Equifax requesting to remove the accounts. Due to limitation of choices that a consumer can choose, I chose the best option, account is not mine. 

To do my due diligence, I have reached out to the company, XXXX XXXX, and they sent a total of four ( 4 ) letters. Two for each account ( please see attached ) that indicates, an application was taken over the phone or the internet but could not provide paper copy to send to me to validate the account actually belong to me. The second letter indicating they was not able to provide copies of any documentation associated with these accounts, bearing my signature. In addition, allegedly stating dates and amounts that DO NOT MATCH any information on my Equifax Credit report. ( credit report attached ) I specifically requested Equifax to send me VERIFICATION of how they would conduct their investigation of these accounts. Yet, I have received two updated Equifax credit reports confirmation # XXXX and confirmation # XXXX, which both reports results from the dispute is stated on my credit report now resolved by data furnisher. I DO NOT consent to e-Oscar or any means of automated verification. Which means, after receiving letters from XXXX XXXX, who could not accurately validate these accounts, Equifax did not provide an accurate investigation. Therefore, Equifax CAN NOT AND IS UNABLE TO VERIFY THE ACCURACY of these accounts if they companies are indicating they can not. 

Lastly, I have contacted Equifax specially via a certified letter and via online concerning the account XXXX XXXX. I did my due diligence and reached out to XXXX company, and they provided their response via the CFPB portal # XXXX stating they contacted Equifax XX/XX/2024 to remove their tradeline off my credit report as they have terminated collections on the account ( see attachment ) As of today, Equifax still have not remove this creditor off my report. Equifax has not done a proper investigation and this is a violation under the Fair Credit Reporting Act.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (TX)

I had a credit freeze on my ssn, I forgot about it and applied for the pre-approved creditcard. Then I got a reply saying that we can not approve your card at this moment, the reason for that will be send through the letter. And there is no indication that the application was on hold as of now. I recollected my memory and found that ssn was on freeze and I submitted my application 2nd time for creditcard after ssn was unfrozen. This time I was denied again saying multiple applications submitted for the same credit card. I reached out to the banker 's credit card services team and tried to explain what has happened and asked to process the first application using the second application credit report that was ran successfully. But Banker said, she can not do that since everything was automated and there is no manual intervention. And she asked me to contact the credit bureau to dispute the second credit report which was ran unnecessarily. 
The following is the vendor information. 
Scoring system name : Chase Proprietary Score Source : JPMorgon Chase Bank, N.XXXX. 
Date Calculated : XX/XX/2023
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

i was approved and then they asked for more info to prove my id. i mailed it in. it was my power bill, drivers license, front page of 1040 tax return. they said my address wasnt on the power bill which is impossible, it was. i sent the 1040 from XXXX  they said it had to be XXXX then i faxed in the exact same power bill and now they can see the address but said they could see anything on the XXXX i resent the 1040 and they said they never got it. i got confirmation the fax went through, so they did get it. i faxed the 1040 again. this time they got it but said i didnt sign it. after to talking to them before on the phone 3 times they never said it had to be signed. i just got off the phone now they are saying they need the first and second page of the 1040. never have they said this before. it seems there is always something else i have to provide and they never tell me about upfront. it seems like they dont want to give me a card for some reason and hope i will just give up. every time i fax something to have to go to XXXX XXXX and pay for it. why cant i just email it?!
Consumer complaint received 2024-08-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Cornerstone First Mortgage, Inc. (MO)

The company refused to provide me with the insurance requirements that had to be met for my property insurance. They forced me to carry insurance on buildings that are not salvageable or are in disrepair. The purchase price of the property was {$410000.00} and they were originally trying to make me carry {$700000.00} on the property. I felt like they targeted me and refused to provide documentation or communicate openly and honestly. It involved both the loan officer and the mortgage company.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (SC)

I had a debt with a company called XXXX care credit which is now owned by a different company. I was told my debt was deleted by the company in XXXX  they wouldnt give me an exact date. I have been receiving calls from XXXX different companies since then. Some say are lawyers offices and their filling legal action for bank fraud. Some say they are sending the police to pick me up for bank fraud. They have called my mother and shared information about this debt with her. None of them will supply a real company name or address Email address ( the company name or lawyers name is different every time ). None of them will supply any paperwork for the account they say I have to pay the account fully before I get any information. Care credit says it cant give any information for the account as it has been deleted. Im not sure what to do about this as I was told by the veterinarian that the debt was never paid by care credit and I had to pay them after paying more then XXXX  the debt owed to care credit in XXXX months. The original debt was around XXXX $ the veterinarian has passed away so I cant get any information from them either. I never received anything from care credit as far as notices or a card they never even gave me my account number or a card. I will add the phone numbers of the callers but other then that I have nothing else I can give. Please help me.
Consumer complaint received 2023-01-01
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: CITIBANK, N.A. (TX)

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY BESTBUY On XXXX, I placed a call to BestBuy Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services Staff XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. 

I would like to request that this unauthorized hard inquiry in my XXXX report by BestBuy and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. 

Copy of FTC complaint filed attached
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC. (FL)

My grandfather and myself were misled my name was never supposed to be on a loan with him. He was a XXXX  driver, and the sole owner of the vehicle passed away in 2021 this is on my credit and it should be removed immediately because I was not financially responsible for this vehicle I have proof of XXXX XXXX contacting my grandfather on behalf of him purchasing the vehicle, and I also have proof of my grandfathers death. He spent a great deal in the hospital before he passed that can be verified as well, but I need this removed and delete off of my credit it was hard enough losing a loved one but now I also have to deal with the financial hardship behind this vehicle, because that was not solely in my vehicle. I helped my grandfather financially with his affairs but never this loan
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is 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 60 days so they should be deleted expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2023-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (GA)

I applied for the unison program and was approved. The program is misleading, and the rep provided inaccurate information, added additional funds at the closing of the loan, and increased the share percentage without approval. 

Additionally, I was told I needed to pay off the loan and send a separate check provided by Unison to XXXX XXXX and if I did this, I will be able to refi. Unison has the cancelled check from XXXX. 

When I sent in a request to Unison for the paperwork needed for a rate term refi in 2021, I was told my loan balance was above the required limit for refinance and denied. Additionally, I was the only borrower on the application require to review the terms of the program, Unison says the have an educational document I signed, however the title in in both mine and my wife name. Unison did not provide any information or educational information to the other owner of the property and would not agree to any terms. 

I am requesting Unison to cancel the program and release me and my wife for the contract. Im attaching the emails and sending the same request to the FTC, DOJ, SEC and CFPB for review.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (MA)

On XX/XX/2023 at XXXX I attempted to withdraw {$20.00} ( plus XXXX fee ) from an XXXX operated ATM at XXXX XXXX in RI. I received a card not authorized error. No money was dispensed. I checked my current account and noticed the transaction was processed and my account debuted. I contacted XXXX who stated that no money was dispensed because current declined the transaction. I contacted current who stated I needed to file a dispute. I did so that night. No provisional credit was issued. I was told I would. I checked back in with current tonight who said dispute had been investigated, which included contacting atm vendor, and it was closednot in my favor. I contacted XXXX again who verified transaction was declined and that they were never contacted by current. Im also asking that all out of network fees be reimbursed for this transaction and any other. This is my second complaint regarding dispute issues with this institution. Previously they had not resolved a dispute within 90 days. CFPB assisted XXXX resolving my complaint.
Consumer complaint received 2023-12-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I tried to get an XXXX XXXX XXXX  account and they told me one was already active and that I had to add a line to that account. I explained to them that it was not my account. The guy asked me for my address my phone number and he told me all the information was correct except for the address and that the account belonged it to me I explained to him I have never had service with them And right after that a few months later, the account hit my credit report Ive been disputing. I contact them several times and he told me it was nothing they can do about it that all the information was correct. The guy change the address to my current address.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (CA)

I requested debt validation according to 12 CFR 1006.34 ( C ) from an online information service certified green card receipt signed on XX/XX/XXXX. I received a copy of the billing statement from the debt collector, Online Service Information, of the original creditor, XXXX. A billing statement is not a validation of debt.

Per CFPB Generally, the Debt Collection Rule requires a debt collector to provide a consumer who owes, or allegedly owes, a debt five categories of validation information : Debt Collector Communication Disclosure ( 12 CFR 1006.34 ( c ) ( 1 ) ) ; Debt-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) ; 34 ( c ) ( 2 ) ( ix ) ) ; Itemization-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) ) ; Information about Consumer Protections ( 12 CFR 1006.34 ( c ) ( 3 ) ) ; and Consumer-Response Information ( 12 CFR 1006.34 ( c ) ( 4 ) ).

A model validation notice that provides one way to comply with these content requirements is provided in Appendix B to the Rule. Use of this model validation notice provides a safe harbor for compliance with these content requirements ( as well as compliance with the format requirements ).

I did not receive any of the following documents required as a debt collector ; not only that, but I have an email from the XXXX showing my final bill paid on XX/XX/XXXX, and no other payment was due. I paid my last bill on XX/XX/XXXX, closed all my accounts, and moved out. I will attach an email showing the conversation with the dispute department showing the final payment.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days 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 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 XXXXXXXX Subject has not satisfied debt. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Subject has not satisfied debt.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (WI)

As I've Stated. I Demanded To All These Fake Credit Agencies That ONE Name. And One Address Be Used On My Report. 

( XXXX XXXX XXXX XXXX!!! ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wi. XXXX. 

So Why When I Went To Obtain A Free Copy Of My Credit Report, Yesterday ; They Had EVERY ADDRESS I'VE EVER HAD GOING BACK TO 2002!?!?!?!?!?!?!?!

And Your Response : 'You Should Hear Back Within 60 Days ... '' They DON'T HAVE 60 DAYS!!! THEY HAVE
30!!!!!! Furthermore, They've Already Used Over A Year, Ruining My Score And Wasting My Time While You Did Nothing.

As Per The Fair Credit Reporting Act, Each And Every Address Which Is Not My Current Address And All Connected Accounts Should Be Immediately Deleted. From My Credit Report. 

I've Also Asked That Every Single Debt, Or Account Older Than 7 Years Be Removed From My Credit Report As Well. I'm A CEO With 5 Companies In Total.

I Don't Have Time For This Childishness. Anything Negative On My Credit Report In The First Place, Was Likely A Product Which I Returned, Such As A Cellphone For Instance Or Another Service, Which Was Not As Advertised. I Handle My Business. But If You Think You're Going To Cheat Me, Or Give Me Substandard Service. I'll Return Your Product. Nothing Wrong With That.
Consumer complaint received 2024-07-17
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

I was invited to trade on a platform called XXXX. I watched for about 2 weeks before i decided to deposit money on the platform and trade. On XXXX I entered a trade and deposit the first XXXX. we traded i on and off until XX/XX/XXXX when i traded the wrong currency. They call the trade for ETC XXXX and i place the trace for BTC XXXX the traded lost it was lost at XXXX. They demanded that to continue trading i should send them the XXXX lost. I was pressured to do so for the trade to go on the next day. I sent the XXXX on XXXX but on XX/XX/XXXX they insist that they need to recover the profits from the lost. I refused and now they wont give me my capital back. The closed the account and refuse to do anything. I tried pulling the money off the platform but it says there is nothing to pull. I now realize that i am being scammed. 

Crypto.com must put the necessary blocks in place to help innocent consumers recognize scams. They should not allow transfers between personal accounts. This is the only way to help