davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (NC)

I have recently been trying to improve my credit score so I can get approved for a mortgage. I checked XXXX XXXX this morning and noticed Equifax had deleted the information from my car loan XXXX XXXX Acct number XXXX XXXX overnight. I contacted Equifax and they told me to contact my lender. However, my lender said they have never heard of this issue before and they are reporting this to all 3 credit bureaus every month you will see attached documents which show how it was on my Equifax report prior to them removing it and a statement which states they report to all 3 credit bureaus and this was on my credit report prior to XX/XX/2022. XXXX XXXX has reported payment made in XXXX and Equifax is still updating their credit report. This error has made my credit score drop XXXX points.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXXXXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
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. (IL)

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (IL)

On XXXX I purchased a XXXXXXXX XXXX On my credit report it shows Inquiries I did not approved. The company I purchased from has its own financial institution. They were the only ones allowed to inquire my credit. I work for the USPS. My ID # is XXXX. My XXXX is XXXX. My work email is XXXX. I experienced Identity theft at my job. I had an inheritance of. XXXX My Supervisor XXXX manage to use my email and deposited with the money on a shared account with out my knowledge. She had the help of other employees with control and access to the computer system. I faced her with the facts and she responded, '' there is nothing you could do about it. '' I have complained to the Postal inspector general, the police, consumer affairs to no avail. I send tips to the FBI. No answer. Yet I keep on getting threats from my co- workers and strangers on the street because Somehow they have to access my phone to get to the funds. Since this was done without my permission, I locked my phone. I have been denied of any information regarding my inheritance. US bank is the only bank that provides shared accounts. I contacted them. Apparently the account was placed under a USPS corporate shared account.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

On Tuesday XX/XX/2023, I received a text message alert from XXXX XXXX XXXX stating I was behind on a payment and that my account is maxed out to the sum of {$2200.00}. I contacted XXXX XXXX XXXX and they show no record of having an account with them, however they still reported it to Equifax which caused a XXXX point drop on my credit score. 

I contacted equifax to advise them that I wanted to dispute the information given to them by XXXX XXXX bank to restore my credit score to where it rightfully belongs and I was informed by them I would need to file a complaint with the FTC before anything could be done.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

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 I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : 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 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 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 XXXX XXXX XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

I believe I am a victim of a scam or fraud by JP Morgan Chase bank. 

Chase bank offered me a credit card and I applied and was approved. The card comes with a {$550.00} fee which I was immediately charged. The card advertises numerous benefits. However, the bank has refused -- after 60 days, and 5 phone calls to customer service -- to honor the primary advertised benefit for which I decided to apply for the card. 

Here is a log of my attempts to contact Chase to request that they provide the benefit they advertised : XXXX XXXX -- clicked to activate Priority pass using my Chase account. They didn't. I never received the card in the mail nor any email notice. 

XXXX XXXX - Called chase. Said they'd activate it. They didn't. 

XX/XX/XXXX called Chase - Representative said she'd contact priority pass and that I should call back after 6 or more days to request to receive the actual card. 

XX/XX/XXXX called Chase back. Representative claimed nothing had been done and he needed to connect me with priority pass. But shortly after he transferred me, the call hung up. 

XX/XX/XXXX called again, 2hrs later. A representative repeated the same thing. This time when she transferred me to priority pass, the priority pass representative told me : " Chase transferred you because they don't wan na take responsibility. They know that only they can issue the membership. '' She instructed me to call the Chase Benefits administrator at XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX called the Chase benefits administrator. Representative informed me they are actually a third party and " the only thing you can do is to be connected back with Chase directly. They will have to resolve this on their end. '' As you can see, I believe I am the victim of some type of scam or fraud, as Chase has not only refused to offer the service advertised in exchange for the {$550.00} fee, but also Chase has refused, over 5 different occasions, to resolve the issue. 

Here is where the benefit is advertised, and where I applied for the card : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance. 
Best, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NE)

Dear [ CFPB Representative ], I am writing to file a complaint against Wells Fargo regarding an issue that occurred approximately one year ago. I attempted to open a business account with Wells Fargo and was denied, however, a remark appeared on my credit report indicating that an account was opened using my social security number without my consent.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been submitting complaints in the CFPB regarding Equifax for quite some time now and it always saddens me when Equifax uses stall tactics. They have been receiving my letters and complaints for over a year now and it is just unprofessional for them to constantly ask me to verify my identity. I should not have to CONSTANTLY reassure them that I am addressing the inaccurate items on my credit report. I can only suspect that the ONLY reason why they use deviation tactics is because they can not verify the information on my credit profile that is being disputed. I submitted the complaint/ dispute and moving forward I will be disputing any and all inaccurate information on my credit report because it is my right. I have the right to a credit report that is 100 % accurate. If Equifax was as diligent as verifying inaccurate information on my credit report that they are with verifying me as a person I wouldn't have to submit complaint after compliant. It appears they do this to stall. The FCRA describe the dispute process and Equifax never follows the FCRA guidelines this is shown blatantly with my dispute which was filed via mail OVER 120 DAYS ago. Most recent complaint and dispute was filed via the CFPB so I can have a actual record of my communication with them in the event I have to move forward. In complaint XXXX Submitted XX/XX/2022 regarding # XXXX XXXX, XXXX, XXXX and XXXX. None of these accounts have the legal backing to be on my credit report according to the FCRA " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. '' XXXX has not provided this " original contract '' because they can not verify this information. By providing the " original contract '' because their isn't XXXX from me. Equifax needs to remove these account Immediately. I have been more then patient and Equifax constantly stalls my complaints and disputes. I am herby requesting that Equifax expedites there process and remove this account from my credit profile. 
XXXX XXXX isn't a XXXX bill with a letter head, it is some contract that should be between me and whatever company XXXX is claiming to have ownership or that account. If they have not submitted this to Equifax it's because they can't verify those account and thus needs to be removed at least until they submit proper documentation according to the FCRA.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2023-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

2nd request to respond as first complaint had a pdf response that was unable to be viewed or downloaded. 

Fay Servicing is the most incompetent mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I opened a XXXX XXXX XXXX XXXX  years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.
Consumer complaint received 2023-02-21
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, TX XXXX XXXX XXXXT XXXX Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX : {$8600.00} XXXX XXXX - XXXX & XXXX XXXX XXXX : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$340.00}
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated (GA)

Can't transfer Funds from my Debit card. way2go card that holds my Unemployment Funds. Here is their Web Page https :  //www.goprogram.com/ On their site there is zero info on why they took that future off. It was there earlier. 
I tried to contact them on the the phone number they provided:XXXX. Wasnt able to talk to human. it is automated line where i can not find information on how to transfer my funds. 
Please help
Consumer complaint received 2024-04-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (NH)

I have an account with MoneyLion and pay {$9.00} membership fee per month for a MoneyLion WOW membership. One of the benefits is being able to get a XXXX XXXX plus loan. I have paid off XXXX, all earlier than final payment date, the most recent being in XX/XX/2023. 
Most recently, whenever I try to apply for a new XXXX XXXX loan on the MoneyLion app, they keep denying me. I don't even get a chance to fill out an application. As soon as I click on " Get My Loan '', I receive an automated email informing me that due to poor performance with MoneyLion, I'm not eligible. 
When I call, no one can provide info and I'm told it's being referred to their dedicated team and they will be in touch. They never get in touch and the issue never gets resolved. Their answe is always, " I know this isn't the resolution you were expecting, but I hope we were able to address your issues ''. 
Their is no reason why I shouldn't be eligible and because of their actions, my credit score keeps dropping.