davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CFW Holdings LLC (TX)

This is my second complaint about this company. I understand that as a consumer its my responsibility to manage my debt however when i took this loan i took it with good faith that I was going to be able to pay it since I had a full time job. That wasnt the case, I ended up losing my job as my XXXX  got bought out and they downsized my department. I fell in to default and thats when the harassment begin and continues to this day. 

Ive been getting calls, emails AND even texts messages stating that I will be taken to court for this loan, I am in the state of Texas and that is highly illegal. Ive tried to work with them to settle this debt but life has happened and working part time and trying to stay a float is tough. However today I called in because on a holiday, CFW left me a threatening voicemail AND a text message saying I was going to be taken to court. I spoke with XXXX and it was the worst experience Ive had. She started threatening over the phone stating I wasnt helping my case because i didnt want to give her a set date as to when I would be able to pay the loan. Thats when all broke loose and she started telling me based on my pay dates she was going to set it up for XXXX and forcing me to agree to something. 

I was essentially forced in to an agreement just so I could get off the phone and stop her from suing me. 

Unacceptable
Consumer complaint received 2020-09-09
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. (FL)

XXXX XXXX XXXX violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the XXXX XXXX agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Called Transunion on XX/XX/XXXX to file a dispute on my credit report for an item that is being reported longer than the allowed time. The representative opened the dispute and told me to I should have it investigated and removed within 30 days. Received a letter dated XX/XX/XXXX stating the dispute was resolved and my file is now updated with incorrect information. I called XX/XX/XXXX to verify who verified this information and who was reporting it. They stated the creditor, I explained I called the Bankruptcy court and they stated they do not report or confirm any information. I asked again where did they receive the incorrect information they are reporting to my credit report. She then offered to dispute the information again. I explained I've just disputed to have this item removed and they updated it with incorrect info. My bankruptcy was dismissed in XXXX and Transunion has updated my report stating it was discharged in XXXX which is not reported by the courts or my lawyer. I'm requesting this item to be removed due to Transunion reporting incorrect information that is hurting my credit score. According to the FCRA outdated and inaccurate information is to be removed from a consumer 's credit file. Transunion has broken the law twice.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NC)

Ive been having trouble with my American Express credit card applications. The card gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the card until 6 weeks later because the application even though approved, needs to be finalized by a team member. 

Ive been a member of American Express since XXXX, thiss not how they, any other bank in the US, operate. When you apply for a card, your application gets approved, denied, or go pending. A card thats immediately approved does not require further processing that takes 4-6 weeks. 

This also happened to my XXXX XXXX card application submitted on XX/XX/XXXX and currently, my XXXX XXXX XXXX card application that was submitted on XX/XX/XXXX.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (PA)

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX I went on the site XXXX to get my free credit repot. It asked random question to see what type of loans I may apply for in the future I clicked mortgage but I didn't know it would trigger massive banks to contact me. ( I called numerous times via telephone. I told the aggressive sales/loan associate XXXX ( quicken loans ) DO NOT RUN MY CREDIT on a recorded line on XX/XX/2019 at XXXX XXXX ). I answered the phone it was XXXX from quicken loans. He was very aggressive my score was XXXX he was very pushy I told him I can not talk at this present moment he said I just want to verify its you I told him I DO NOT want my credit pulled. I don't want any hard inquiries.. I also told him I can not talk right now because I was busy. He was Very pushy .... He said ok " I just want to verify it is you '' He Said what is your SSN I only want to verify its you. I gave him my SSN not knowing he was going to pull my credit. I hung up because I was working. 2 minutes later he ran my credit I called back and I asked him why did you do that. He said your credit is great we got great rates for you. I told him Im not interested. He said can we talk later..I immediately on that day wrote a letter to quicken loan and they replied and said they will not remove the inquiry. I wrote them again on XX/XX/2019 set it certified mail. Thy said they will not remove the inquiry and I just wrote them a 3rd letter on XX/XX/2019 they called me and told me they will not remove the inquiry. I only want them to remove the inquiry because I told XXXX not to run my credit in the first place. The Creditor is { XXXX / QUICKEN LOANS, } XXXX XXXX XXXX XXXX, MI XXXX that I'm having the problem with. Please advise me or help me resolve this issue XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Consumer complaint received 2022-11-18
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. (TX)

I disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is XXXX.
Consumer complaint received 2024-03-01
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-09-13
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)

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I was with chime bank. I have received a ppp loan! I am not a scammer. I actually had proof of all independent contract agreements. I also have proof of identity. I also showed proof that the lending company was sending money to me. They say they will mail me a check. But I have also been reading that they dont send funds. I even have a independent contract showing that they are going to be the bank that Im depositing funds to.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

On the dates XX/XX/21, XX/XX/21 and XX/XX/21 I called the M & T Bank customer service support number to file a dispute in the amounts of {$1300.00}, {$320.00} and {$500.00} respectfully totaling {$2200.00}. All 3 transaction was with the merchant XXXX. All 3 items were returned back to merchant. The items were purchased and returned and the merchant never credited me for the amount. I called the merchant many times and everyone gives me the run around which is why I called M & T Bank to file a dispute. However M & T Bank denied my claims because I was told the merchant provided M & T Bank with the purchase receipt as evidence. I told the M & T Bank customer service agent how is a purchase receipt used as evidence if the item was returned and credit was not given back to me. He could not answer me back and told me to fax a written statement to M & T Bank to reopen the case and Its been over 3 weeks and no far I have not heard back from M & T Bank. I had a similar case with the same merchant before and M & T Bank did honor my dispute that time.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

THis Credit card from a place called XXXX XXXX bank pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company XXXX XXXX is not willing to do anyting about the fact they messed up and wont fix there XXXX up now i dont have their card never did never applied for their card and i never would.
Consumer complaint received 2024-03-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX repeatedly contacts myself and my family members for a debt I owe. I wish not to have my family members involved in my personal matters. They call them repeatedly which is unneccesary once they find out that is not my number they are calling.
Consumer complaint received 2021-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/XXXX & XX/XX/XXXX I used my Visa credit card to purchase {$10.00} in Illinois lottery tickets ( {$20.00} total ). On XX/XX/XXXX I reviewed my account purchase details and noted that I was charged a {$15.00} fee on each date I purchased lottery tickets as a cash advance fee ( {$30.00} total ). I contacted First National Bank of Omaha to inquire about the charges and was told by a Supervisor XXXX XXXX XXXX that lottery is considered gambling and therefore, it was a cash advance against my card on each occasion with a minimum fee of {$15.00}. 

I was unaware that Id be charged a cash advance fee albeit a fee greater than my purchase, but moreover the credit funds were never placed in my hands and were used to purchase non-refundable lottery tickets directly from the State of Illinois. The Supervisor would not reverse the charges. 

I feel this practice is discriminatory, unfair and an attempt to force the public to adhere to a moral mandate against a lawful retail purchase. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

Original bill was for a XXXX XXXX  account - not aware at the time of outstanding bill until XX/XX/XXXX. On XXXX outstanding bill was paid with XXXX  - Immediately notified IC System and submitted documentation. 
They continue to refuse correction - which has resolved in higher interest rate on mortgage.
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WA)

When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Hello! 
My name is XXXX XXXX! and I'm the XXXX  of the " Payward '', " Kraken '' : Kraken Account XXXX XXXX XXXX. 

I'm having the issue with " Payward '', " Kraken '' Kraken Company, they just few hours sent me a mail that unexpectedly my account will be closed without reason. Also my balance can not be withdrawable in assets. 

I have clearly replayed mails with them without finding a solution. 
They want that my balance to be withdrawn by bank account, But since i own an asset in lost of price and value i can not withdraw them by bank. 
I have already explained them that this asset must be withdrawable in Virtual Currency as it is without exception, and i will conserve that in other place. But they refuse this solution and claims that i have to convert my assets in cash to withdraw them. 
But since the loose is a considerable amount for me I'm not gon na accept their enforcement to oblige me to convert the amount as like that they don't loose their money only my money. I have offered to them several solution for this but they refuse it. 

As far i have read to many of the reports recently i think " Payward '', " Kraken '' Company is taking further steps to a massive scam where i think I'm a victim too. 

I would like to have you support and solve this matter where they involved me. 

Thank you Kind Regards
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hackers created a new account under my BOFA account and they transferred money from my real account in CA to the fake account then they tried to withdrow the money from PA by a fake debit card. Banks should not open new accounts online because this is the window for the hackers to get our money.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account XXXX XXXX, has violated my rights XXXX 

XXXX XXXX XXXX XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My coinbase account has been locked for weeks. They say that it is under review and that in a few days it will be ready, but they have been that way for a long time. I have money stored in that account and I can not withdraw it due to this problem.