davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX I applied for an American Express Credit Card online. I was declined approval, and because I could not get the credit some bad things happened that I will not elaborate on because I want to keep this explanation brief. 
I received the reason for denial letter about XX/XX/XXXX. It said that American Express obtained an XXXX Credit report on me and the risk score was not available due to report of deceased status, and 4 other things. I called Amex and confirmed this. 
I wrote American Express a letter telling them I was not dead, and requested more information in early XX/XX/XXXX, and they never provided my any information the just sent me a {$30000.00} limit gold card. 
I began litigating a Civil Suit against XXXX and they investigated, and re-investigated and could not find any indication of Amex pulling a credit report on me during that time period, nor could they find a deceased notation. 
There is no indication at this point that XXXX  did anything wrong. 
I wrote 2 more letters to American Express, and they refuse to provide me with any explanation as to what happened. 
I feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue.
Consumer complaint received 2022-05-01
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. (TX)

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. 

1. XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-04
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: EQUIFAX, INC. (TX)

This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by XXXX. I have not been in a XXXX branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

According to the Fair Credit Reporting Act, 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX - Unverified Account XXXX XXXX XXXX  XXXX - Unverified Account XXXX  XXXX - Unverified Account XXXX  XXXX - Unverified Account XXXX XXXX XXXX XXXX  XXXX - Unverified Account XXXX  XXXX XXXX - Unverified Account XXXX XXXX XXXX XXXX- Unverified Account
Consumer complaint received 2021-07-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I requested XXXX XXXX to freeze my credit report last year and still I'm being denied to freeze my report and also I've submitted my ID and Social by certified mail. I'm requesting this account to put on freeze. I don't want my information opened to the public
Consumer complaint received 2022-05-01
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. (GA)

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-11
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)

There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I received a wells fargo 's advertisement for checking account ( Picture 1 ) and opened a wells fargo checking account in XX/XX/2017. However I didn't receive the {$300.00} checking bonus as they advertised. 

Their terms : Receive a sign up bonus of {$300.00} when you open a new Everyday or Preferred checking account with Wells Fargo and have {$1500.00} direct deposited into the account for three consecutive months within 150 days of account opening. 

Not eligible for bonus if you are : 1 ) acurrent owner on a Wells Fargo consumer checking account ; 2 ) aWells Fargo team member ; 3 ) arecipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ). 

I tried to contact their customer service. The first customer service told me that I not eligible because I don't have a XXXX on file. But I have mailed them XXXX long time ago and their customer specialist confirmed with me that they have received XXXX ( Picture 2 ) The second time they told me I am not eligible because I previously owned a wells fargo account. However, that account was closed when I opened the current checking account ( Picture 3 ) and I didn't receive any account bonus in the past 12 months. As for their terms, I should still be eligible. 

In sum, I hope that I can receive the {$300.00} new checking account bonus as they advertised.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (VA)

I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Great morning, On XX/XX/XXXX I started the process of doing a " Streamline '' refinance with Lakeview loan servicing LLC. All of the required documents were submitted within a timely manner. After receiving terrible customer service I requested that I receive new loan officer and/or loan processor on XX/XX/XXXX. I was totally ignored and they continued to put me on the back burner with no communication. I repeatedly tried getting updated on the status of my refinance from my loan processor and loan officer but they kept giving me empty answers. They also started blaming each other for my inconvenience and sending me back and forth. Prior to XX/XX/XXXX they no longer answered my emails or phone calls and they started blaming the title company and my 2nd mortgage lender for my inconvenience. Eventually I reached out to the title company and they let me know that Lakeview loan servicing LLC informed them that I was doing a regular refinance so they were waiting for my credit report and property appraisal. Lakeview loan servicing LLC misinformed them because a " streamline refinance '' does not require this paperwork. Lakeview loan servicing LLC also told me they sent paperwork over to my 2nd mortgage lender for the subordination letter. I reached out to my 2nd mortgage lender and they confirmed that they never received any request from Lakeview loan servicing LLC ( I have this documented via email ). After this tedious process of finding out I have been getting lied to I let Lakeview loan servicing LLC know that I am aware of the inaccurate information given to me. Now here it is XX/XX/XXXX and I still have not closed on my refinanced loan because they are saying my file is closed because my XXXX payment went through on the XXXX of XXXX which is outrageous. My payment was made in XXXX and I should have already closed on my loan months ago because minimum information is required for a " streamline refinance ''. This is my first home as well as first refinance and Lakeview loan servicing LLC has emfacticly under served me.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Consumer complaint received 2018-02-17
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. (CA)

I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (NY)

Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 XXXX/XXXX
Consumer complaint received 2021-02-08
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: Santander Consumer USA Holdings Inc. (OH)

Santander Consumer U XXXX Open Date XX/XX/2018 Balance {$42000.00} As a customer I have legal rights that are given to me to protect me from misinformation being stated on my credit report. At this stage I want to produce a previous request for investigation before I speak with my lawyer for tips on how to handle inaccurate and unverifiable items that are continuing to be established as legitimate. You need to have me along with a copy from the agreement approved or voice interaction where I permitted billing me regarding this account.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (FL)

On XX/XX/2020 I did 3 transactions with Xoom and a further 2 transactions on XX/XX/2020. Xoom has not processed any of these transactions and its over a week later. I have called Xoom everyday and they have repeatedly told me that it is the fault of their exchange partner in XXXX XXXX. I then phoned their exhange partner in XXXX XXXX, XXXX who confirmed that they have no technical issues and that Xoom has simply not sent them the funds. A number of other XXXX XXXX in the USA are experiencing the exact same problem. Xoom are unwilling to assist and just keep on blaming their partner in XXXX XXXX. I for one, support a family member in XXXX XXXX who has been unable to buy food because of this. It is completely unacceptable and would appreciate assistance.