davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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. (GA)

I recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX  in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to XXXX, EXQUIFAX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.
Consumer complaint received 2021-05-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of XXXX. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent XXXX a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX  and XXXX removed the dispute immediately. Equifax stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both Equifax and XXXX XXXX XXXX to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (NY)

I received an unsolicited debit card in the mail XX/XX/2021 from " XXXX by XXXX '' and there is no way to reach a person from any of their customer service numbers to cancel the card. All options seem to just lead to activating the card, which I do not want '' This is the address on the Letter Head for the card : XXXX  by XXXX XXXX XXXX XXXX XXXX, TX customer service phone : XXXX XXXX XXXX
Consumer complaint received 2019-07-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (VA)

i was garnished starting XXXX XXXX XXXX and i didnt receive notice of this until after i was already being garnished. they have been taking more than the allowable percentage from my pay checks. i went on short term XXXX from XX/XX/XXXX until XX/XX/XXXX and was still being garnished the maximum amount. upon my return to work i was and am currently still being garnished. while i was on short term XXXX i wasnt receiving an income because my illness has not yet been resolved. i was forced to return back to work because i was not getting paid, and still my illness has not yet been resolved
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kimball, Tirey & St. John LLP (CA)

I have recently submitted a complaint about another account for the same apartment I don't understand how 2 separate collection firms can try to collect the same delt I owe an each 1 is different it affect my credit tremendously an I feel it should only be 1 credit firm handling the delt so i can know an accurate amount to pay
Consumer complaint received 2021-05-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

Around the end of XX/XX/XXXX I contacted Acima credit. I explained to Acima that my identity was stolen and used to purchase furniture. A representative name XXXX advised me to obtain a police and email the police to Acima. Thursday XXXX XXXX I emailed two police reports. A minute later a representative name XXXX accused me of making payment arrangements back in XXXX. These are false allegations and Acima credit is protecting criminals. XX/XX/XXXX I emailed Acima asking for a copy of the application that was forged using my information. Acima refuses to provide me with the document. I will be taking legal action.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? 
What IP address was used? 
How could these accounts be opened online with NO funding? 
How was a credit pull made since I have a credit freeze since XXXX? 
Which bureau was pulled? 
They would not answer any of my questions and referred me to the credit bureaus. 
All 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. 
SECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. 
( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional rights.
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX I received an attractive offer for a CHASE XXXX XXXX credit card. I applied for the card, but CHASE rejected my application. The rejection letter, dated XX/XX/XXXX, stated Too many credit cards opened in the last two years associated with you. I wrote CHASE and asked two straightforward questions : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS?

-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS?

I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE refused to answer my questions and rejected again my application, although I have an excellent XXXX  credit score of XXXX  ( the credit score range is 300 850 ). I complained to CFPB, on XX/XX/XXXX, complaint number XXXX-XXXX. Instead of answering my questions CHASE resubmitted the previous rejection letters. 
In this complain I want to provide additional details to my case. I have a CHASE Freedom credit card, since XXXX. CHASE asked me to advertise their credit cards to friends. I did that, and received XXXX XXXX bonus points, in XX/XX/XXXX. Please see the attached credit card statement. In other words, CHASE trusts me, and offers a credit card to a friend of mine, but refuses to issue a credit card to me! This is absurd, and it proves CHASE denies cards to avoid honoring the bonuses. 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. This proves a pattern of misbehavior.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank for Lumber Liquidators declined an individual application for my husband, a joint application, and an individual application in my name only in XX/XX/2020. We've never been declined for credit of any kind. We assumed there was an error on his individual application, so we applied jointly. We then assumed there was just some issue with his, so I applied individually. We asked to speak with supervisors and no one would give us any indication why a card would be declined. Everyone said we should refer to the letters being sent out, but no letters ever arrived. They were evasive, unhelpful, and it was a frustrating experience to be declined with no cause. 

I know they are required to provide those notices and would like to alert you in case of other similar complaints.
Consumer complaint received 2022-07-29
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-08
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: EQUIFAX, INC. (MD)

I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2019-08-29
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. (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2022-01-11
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. (TX)

About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud
Consumer complaint received 2021-05-03
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. (MI)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

US bank deactivated my reliacard for " inactivity '' even though it had been active up until the date they deactivated it. Then they refused to reactivate it until I submit an ID to them and a selfie. They only made this option available via smartphones and tablets via a software application that does not work on my only smartphone. I have called them and they refused to allow me to try an alternative method. They are refusing to reactivate my account and give me access to my funds or close my account and deliver a check to me for the remaining balance. They have effectively stolen over {$400.00} from me.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2022-07-29
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. (PA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2018-12-08
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: Exeter Finance, LLC. (NC)

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (DE)

Just got an unsolicited debit card by mail, a " XXXX XXXX XXXX Prepaid Mastercard by XXXX '' issued by XXXX. Considering that an identity thief has recently been using my personal information to request credit cards, this has given me quite the fright. Need I be worried about fraud in this instance? If this is not a case of fraud, should a business practice be allowed that is easily mistaken for fraud and identity theft and that causes customers hours of pain, worry, and loss of personal time? I tried to resolve this by phoning MasterCard, XXXX, and XXXX, but was unsuccessful since every phone number tried directed me to menus that automatically disconnect if something off-menu is wanted. If it is ok for these companies to issue unsolicited cards, they should at least be required to make it easier to resolve worries about fraud such as mine.