davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
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: Avant Credit Corporation (MI)

I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

I opened my Coinbase acct. in good faith on XX/XX/XXXX with my cell phone. Today is XX/XX/XXXX. I have never used any other device to log into my coinbase acct. Now all of a sudden, coinbase app says my device is unrecognized. I have tried the reset my password option but it still won't take. I am unable to get a live person to talk to and I have repeated submitted tickets to them, but they don't care to address it. I have also requested that they close my account, refund my money back into my bank account, and send me all the proper paperwork for me to file my taxes. No response from them. Now they have my money locked up with me unable to access it during this covid pandemic when every cent counts.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEM reported to the credit bureaus that I owe a debt that I do not. I never had a balance with XXXX  realty and it was an error. I've contacted National Credit System about this error and they still falsely reported a debt that I don't owe.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. The information listed in this report has no relation to me. I have been unable to obtain more credit because of this unfortunate situation. I have contacted each creditor and they have failed to provide me with any documentation with my wet signature stating that I owe a debt to any of these companies. Under FCRA 609A, they have failed to verify any of this information. UNDER FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS REMOVED IMMEDIATELY. FAILURE TO COMPLY WILL RESULT IN A LAW SUIT AGAINST ALL PARTIES INVOLVED, INCLUDING ANY AGENCY reporting inaccurate information to my credit profile. 

PLEASE REMOVE THE FOLLOWING INFORMATION : XXXX XXXX XXXX {$610.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all XXXX credit bureaus are showing different information for the accounts listed below. 

The consumer reporting agencies which is Equifax did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Equifax violated my rights. 

XXXX Credit Bureau XXXX Equifax XXXX XXXX XXXX  Account Number : XXXX XXXX Credit Bureau : Equifax Creditor XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Credit Bureau : Equifax Creditor : XXXX XXXX Account Number XXXX XXXX XXXX Credit Bureau : Equifax Creditor : XXXX Account Number XXXX XXXX XXXX Credit Bureau : Equifax Creditor : XXXX Account Number : XXXX XXXX Credit Bureau XXXX Equifax Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Credit Bureau XXXX Equifax XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (CA)

Due to covid-19 I became homeless. My income was reduced from {$1000.00}. to $ XXXX.per month. I contacted XXXX several times requesting an Hardship due to my loss of income and residence. Each time I was refused and denied. I am in litigation against XXXX for preadotory title loan. My attorney is XXXX XXXX. 
My friends are harassed regularly if I used their address for any mail at any time. I receive phone calls daily. And letters once a month. They do not have on my account the {$1200.00} that I've already given them.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

FROM : Syncrony Bank XXXX. XXXX XXXX XXXX, FL. 

This card reported that I have a credit score of XXXX from XXXX. I checked online and as my credit standing is XXXX. This score was to be used to determine if I should pay more according to credit rating. If this is not adjusted accordingly within the time allotted as an adjustment to credit score, I will contact the Company ( XXXX XXXX XXXX ) and will let them know of my refusal to the credit card that I received in the mail. Thank you for any information on this matter as this needs to be addressed.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

I was discriminated against because Im a woman by two male XXXX XXXX, Branch XXXX & XXXX XXXX, Personal Banker today XX/XX/2021 around @ XXXX. He demanded extra documents. I was never making changes. I gave my drivers license my military ID. Hes forcing me to do what I dont want to do. He, XXXX claimed that I was denied before for credit but refused to provide documentation when requested. He refused to give list of what hes asking for. He just rattled it off verbally. This my 2nd visit to open a tenant/landlord account. Ive been with over 30 yrs with several accounts, personal & business & treated like garbage!!
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (TX)

I am in the process of applying for a mortgage. A brand new negative entry for a collection account from Midwest Recovery ( orig creditor XXXX, {$2900.00}, XXXX ) has recently been added to my XXXX and XXXX credit reports, approximately 2 weeks after the mortgage application. I have never had an account with XXXX. I have never been contacted by XXXX nor Midwest Recovery, no phone calls, no mail, no emails. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

On XX/XX/2020 I filed a claim for unauthorized pay friend transfer. I filed this claim when I went to look at my account and seen that my account had been completely drained of {$2000.00} I had set aside from my University XXXX XXXX refund I had gotten on XX/XX/2020. Normally I get notifications from chime when my account balance is low or if Ive done anything on my account but on XX/XX/2020 my account was hacked and all my money was gone and I didnt get an alert or anything from chime saying my account was low. I had gotten a refund from school on XX/XX/2020 and the refund was for {$2400.00}. I had gotten my unemployment payment as well and so sent money to my XXXX  account to be sent to my bank to cover bills I had to pay. I left {$2000.00} in my Chime account thinking it was safe there until I needed it. But one day after getting my school money and sending money to my back my Chime account was HACKED and my money was gone. Of course it looks like I sent the money, but thats how hackers work. They can log into your account from anywhere as if they were you and do what they need to do. If this done by me I wouldnt waste my time writing this and fighting for my money I thought was safe in my Chime account. I have never use the transfer to friends feature on the Chime app and all of my transactions of sending money have been to myself. That {$2000.00} is all the money I had, my rent was apart of that {$2000.00}. All Im asking to have my money returned back to me. This was a fraudulent transfer that I did not do. I have no clue who the person is that was the recipient. If I did send the money trust me all of this typing and pleading my case would not be happening but it is because it wasnt me. I only have {$20.00} something dollars to my name in my bank account and so I dont have {$2000.00} to be sending to anyone ... so yeah Im going to fight for my money. I pray this will help because I really dont want to have to go to court and fight for even more money due to inconvenience and breach of security because I may have to. I all I want in my {$2000.00} back and thats it. After I filed this complaint on XX/XX/2020 chime closed my account with them and will not tell me why they closed it.
Consumer complaint received 2021-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sensible Auto Lending, LLC (NC)

Sensible Auto Lending at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, has been sending me collection notices in the amount of {$3500.00}, collection has been reported as past due balance. It is still being reported as 30/60/90 days late from 2016 with comments stating it was affected by natural disasters. It is a direct violation of my rights with FCRA and I will like this collection removed immediately.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

XXXX pulled a bait and switch. I was approved for the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. At that time, their website stated this verbatim : " Earn up to 90,000 bonus pointsenough for up to 12 free nights at participating properties. Earn 60,000 bonus points after spending {$1000.00} on purchases in the first 90 days, plus earn an additional 30,000 bonus points after spending a total of {$2000.00} in the first 6 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and can not be paid with points.2,3 '' I've only been given XXXX bonus points ( on XXXX XXXX ) despite meeting the spend requirements within the time frame allowed. XXXX points is the current offer on their website. Their poor customer support has been clueless about this, in fact I had to explain what a sign-up bonus was. I filed a claim, however they said it would take up to two billing cycles to resolve, which seems ridiculous to take this long.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charges Foreign Transactions fees on XXXX transactions for vendors that have their parent company registered outside US. The fact is that XXXX already adjusts / charges the vendor for the currency conversion and as far as a US customer is concerned the credit card transactions are processed by XXXX and not the vendor themselves. This practice of charging foreign transaction fees of 3 % on such purchases by Bank of America visa credit cards is totally unacceptable & may be illegal as well. 

I would like the CFPB to look into this practice and take legal action on this to prevent future abuse by any large banking institutions going forward.
Consumer complaint received 2023-01-18
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. (CA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-19
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. (NV)

There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TX)

OneMain Financial is showing that I have three accounts as being " Current, Paid or Paying as Agreed '' when those three are in fact closed accounts. The accounts are as follows : Account 1 of 3 - no balance listed ; Account 2 of 3 - balance of {$10000.00} ; and Account 3 of 3 with a balance of {$8900.00}. I have only one account still open that they are not reporting and it has a remaining balance of approximately {$6900.00} and it is current, and in fact, I'm paid in advance on the account. By their showing those closed accounts as still being current it makes my debt ratio go sky high and I am being turned down by other creditors that I would like to do business with. It makes them think I have outstanding debt to OneMain Financial of {$19000.00}. I've called several times and sent hard copy letters to OneMain twice ( 1st letter sent on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX ) yet they continue to show the same information under the three major credit reporting bureaus ( i.e., XXXX XXXX and XXXX ). After I threatened to sue them in small claims court, they finally sent a reply letter on XX/XX/XXXX, saying the way they are reporting my accounts is correct. How can it be correct when those 3 accounts are no longer open, and the one that is open does not show up on my credit bureau reports? I really need your help because this is also costing me to be charged higher rates by my utility and insurance companies.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2021 JPMCB CARD + New Credit Inquiry Added Ran my credit without my consent! 

XXXX XXXX auto ... report late payment XXXX and system error! Still never removed it
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no  response.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (AZ)

Purchased a XXXX phone from the XXXX XXXX  in XX/XX/2021 with Synchrony " XXXX  store financing. '' After signing up for the credit I found they would only allow online billing only. I presumed this would mean I would need to respond to an email payment request. 

After a month of not receiving any payment request I found a snail mail notification to setup a synchrony account from Synchrony. We did quickly and found a late charge was already applied for the first payment due XX/XX/XXXX which was then paid on XX/XX/XXXX. Checking into the account I now find, on XX/XX/XXXX, the full account balance due. 

We paid the late charge, setup the account, and setup monthly autopay. However, the company then made the entire balance due. Since autopay was for a fixed amount it required intervention. I'll note this was not just the last statement balance but also the current amount due after posting payment and the late fee. I paid the full balance and closed the account. While this is just an annoyance to me, this is a predatory practice for low income earners who do not have cash for such things readily available. I contacted the company through their available channels with no productive response. 

It has also persuaded me that I will never trust XXXX or synchrony to be reasonable brokers for my transactions. I have, for a decade, avoided anything XXXX due to their practices. Add to the list XXXX/Synchrony. 

Had I continued being non-responsive, declined to pay a late fee, or failed to complete another reasonable step then the full account balance due would be reasonable. However, the action of taking a late fee payment and then also demanding the full balance due is designed to ensnare late fees and put people into a debt cycle.
Consumer complaint received 2021-05-30
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. (IL)

XXXX XXXX XXXX has been reporting to my TransUnion report for the amount of XXXX  XXXX dont know this company I have never done business with this company this company does not have a contract with my written signature.
Consumer complaint received 2021-05-30
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: Fidelity National Information Services, Inc. (FNIS) (NY)

Chex Systems is not abiding by 15 USC 1681 ( a ) ( 4 ) in upholding the consumer right to privacy.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 

1. PLEASE REMOVE FROM MY CREDIT REPORT Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT InquirerXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX This is my third attempt. 
Under federal law, you have thirty ( 30 ) days to remove inaccute and unfair data from my account.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During Corona Virus I was unemployed, laid off, and had a gross loss of income. My XXXX XXXX from XXXX XXXX as well as my XXXX. I am single mother and head of our house hold. 

I became reasonable for my mothers requirements to repay, car liens, storage, burial, transport and service expenses while grieving the loss of two immediate family members. during the uncertain finically fearful time, I accrued debt and late fees associated to my capital one credit card. Having been a long time standing consumer and consistent I fell behind in payments because the requirement of monthly fees were unbearably large. 

I attempted to contact capital one credit card three times, spending close to an hour with each representative to rectify the past due balance, and create a sustainable and practical repayment plan where the monthly fees were more suitable to providing necessities while maintaining my credit integrity. I was declined, and told they would forbear one month but I would owe a large amount the following two months with out a lower monthly payment moving forward.

I was also told to call back two weeks to see if I " qualified '' for a different program all the while accruing more debt and fees. By the third attempt to " qualify for pandemic relief program that was in accordance to my affordability '' I was provided the same outcome each time. 

I have done my due diligence but the gross disregard for the unforeseen and unplanned circumstances is consumer abuse by force by lacking to provide a suitable and practical repayment program with the given circumstances. God faith and fair dealing has not been honored as it pertains to consumers just starting to regain capabilities again.