davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

{$25.00} debt incurred on XX/XX/XXXX. Debt thought to be resolved with XXXX XXXX after speaking with billing department they were going to re-bill insurance as insurance company had not paid bill correctly. Instead bill was sent to collections XX/XX/XXXX. Spoke with insurance, they paid bill in full and debt was removed from collections XX/XX/XXXX. Bill sent to collections by XXXX XXXX again XX/XX/XXXX.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

Key Bank received a deposit from my employer on Thursday, XX/XX/XXXX in the amount of {$270.00} from XXXX. 
I went to the gas station to use the debit card issued and it was declined. I went back across the street to ask the financial wellness consultant, named XXXX XXXX to fix the problem as I had just left from speaking to him about an overdraft to my account and he informed me that my card would not be working until i speak to the manager XXXX XXXX and that he would not be in the office until XXXX XXXX. 

XXXX XXXX contacted me by phone on XXXX XXXX around XXXX XXXX. and told me they are closing my account and do not wish to have a business relationship with me even though it is not a business account only a personal account. I believe this was a hostile response to a visit I made to the bank on Friday, XXXX XXXX after I requested a w9 form so I could claim both sides of the ledger and report the W9 to the IRS. 

This has caused me a huge convenience and they have refused to give me the W9 and all of my statements and did not provide the phone number or address to their legal department.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I am in the process of purchasing a home and I found a collection account on my report. I called the collection agency ( IQ DATA INT  XXXX XXXX XXXX XXXX WA XXXX XXXX ). They confirmed that this is not my account and that it is reporting wrongfully on my credit report. But, they refuse to remove it on their side. They told me that I need to find the person that owes it and make them pay. That is not place to make someone else that owes them money pay their collection while they damage my credit. This is reporting to both my XXXX and XXXX bureaus and should be removed immediately. 

XXXX XXXX XX/XX/2022
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2021, I purchased an XXXX series XXXX for XXXX from Sam 's club online. On XX/XX/XXXX, XXXX  claim they delivered the package but I was totally unaware because the driver didn't ring my doorbell or knock on the door to let me know I have a delivery. 
The box was left unattended on my porch all night and apparently someone stole the package. 
Now the credit card company is being uncooperative and basically accusing me of lying. At this point, I don't know who to turn to for help in resolving this issue. I don't have the money to pay over four hundred dollars for merchandise I never received.
Consumer complaint received 2022-02-03
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. (NY)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX )
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MA)

I deposited two checks from my tenant into my Chase checking account on XX/XX/2022. The total deposited amount was {$5200.00}. I received a notice from Chase on XX/XX/XXXX saying my account would be closed soon. I contacted their security team at XXXX several times and received different responses. First, they wanted to verify with the check issuer in person at a local Chase branch, but my tenant was no where close to a Chase branch. I provided my tenant 's phone number so that the Chase security team could verify with him over the phone, and Chase did verify with my tenant. I was told that the restriction on my checking account would be lifted in a week. However, when I went to a local Chase branch on XX/XX/XXXX, the banker told me my checking account was still going to be closed, but I would receive a check from Chase for the remaining balance in my account. It was unclear what would happen to the {$5200.00} that I deposited. My tenant verified with his bank that the money had been released to Chase, so Chase was withholding the money for whatever reason that their security system came up with. I contacted the security team again on XX/XX/XXXX, and they said the only solution was for my tenant to verify the transaction at a local Chase branch. However, it is difficult to schedule an appointment with local branches. I was not allowed to cancel those transactions. If we don't go to a local branch in person, Chase will send the money to the State as unclaimed funds. 

I just want to figure out a solution with Chase without requiring my tenant to go to a local branch. Chase verified with him over the phone, and the paying bank has already released the funds. Why is Chase still withholding my money? I have to pay my mortgage, XXXX fees, and utility bills. I am at the risk of running out of cash because of the hold that Chase put on my account. They could not even explain why they placed the hold because it was automatically done by their security system. 

Here is the recording of my conversation with Chase security team : https : XXXXXXXX XXXX
Consumer complaint received 2022-05-19
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)

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

XXXX XXXX XXXX  XXXX,,, XXXX  XXXX XXXX,,, XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 Someone withdrew cash from my Chase Bank checking account, pretending to be me. The person withdrew {$2000.00} at two different branches, making the total {$4000.00}. I called the bank to report, but the representative recommended that I would wait until the transaction is posted with more details. 

XX/XX/2022 I called the bank and reported the unauthorized activity on my checking account. I was told that the funds were withdrawn in person at the branch. Both transactions occurred in XXXX XXXX while I was working from home full time. 

XX/XX/2022 I reported to XXXX XXXX Police Department. I called the bank for an update and they requested a copy of my ID to match with the one they scanned. 

XX/XX/2022 I faxed the bank a copy of my driver 's license as per their request. 

XX/XX/2022 I called the bank for an update on my case and was told that my claim was denied and closed as of XX/XX/2022. I asked two questions. 1 ) Was the presented ID matched with the person 's face at the time of the transaction? 2 ) Has Chase verified the person in the surveillance footage prior to the denial decision? The claim specialist wasn't able to provide a clear answer. The person kept saying that I would need to prove where I was at the time of the incident. Why can't they just replay the surveillance camera and verify the person? I worked at home that day and it's not easy to prove it because I just stayed home all day. Now I am in a position where I, as a victim, have to prove that I am not a criminal, and it makes me very unpleasant and unsafe. During the entire process, I was never reached out for more information or cooperation. All I received was a letter to notify the case was closed. The bank never made me feel that I was being helped and protected.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

US Bank ( Mortgage Lender ) did the escrow assessment on XX/XX/XXXX. The assessment showed that there was an excess of {$13000.00} which was to be returned within 20 days ( XXXX Timely escrow payments and treatment of escrow account balances ). 

I have still not received the Cheque from the bank after 60 days and it is causing financial hardship because I have owe that amount to the county in supplemental property taxes. 

I have made several attempts to get in touch with the bank to resolve this issue but it has not been resolved yet. Please see details of interactions with Mortgage department of US bank. 

XX/XX/XXXX : Called in to check the status of Cheque. Was told the cheque was never dispatched. Advised to call back on XX/XX/XXXX to request reissuing a new cheque XX/XX/XXXX : Called in to reissue the cheque. Cheque reissued, expected to arrive by XX/XX/XXXX XX/XX/XXXX : The cheque did not arrive. Called back again, chatted with XXXX, ( XXXX ID : XXXX ). Was informed that the US Bank Agent committed a mistake in issuing the cheque on XX/XX/XXXX. XXXX re-issued the cheque, XXXX XX/XX/XXXX. 

XX/XX/XXXX : The cheque still not there. Chatted with XXXX XXXX XXXX ( XXXX ID : XXXX ). Was informed the cheque will arrive by end of day XX/XX/XXXX. 

Almost 60 days have passed since the amount was approved. Not receiving such a huge amount back for a long period of time has caused financial stress and hardship, fines on escrow payments and interest on credit cards. US banks delay is entirely responsible for this suffering
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: INDEPENDENT BANK CORP. (MA)

To whom it may concern, I authorized a zelle transaction through my mobile app with my bank, Rockland Trust. Turns out, it was a fraudulent merchant. I filled out the fraud papers for the bank, sent screen shots of several text message and call logs from the merchant and myself. Two weeks later and the bank will not refund my money. I understand I authorized the payment however, banks have protection for stuff like this with their customers and consumers. The transaction occurred on XXXX. I did not receive any correspondence from the bank, I had to call them for statuses. The amount of the claim is {$800.00}. I appreciate any help with this. I'm so disappointed in Rockland Trust as I have been a loyal customer for the past 25 years. I can reach out to any of my credit cards and state fraud happened and they refund the money in days with no questions asked. 

Thank you!
Consumer complaint received 2022-08-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (CO)

Ad Astra recovery se account # XXXX, originally a XXXX XXXXXXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (AR)

To Whom It May Concern, It was recently brought to my attention that Upstart had reported a late payment in XXXX of this year. I did not know about the late fee reporting because it does not display as late on my customer dashboard. However, this dispute is not about my customer dashboard being incorrect. In fact, my customer dashboard is correct. 

I entered into a hardship plan and Upstart deferred my XXXX, XXXX, and XXXX payments. This dispute is because Upstart should not have reported a 30-days late payment to the credit bureaus because there was no XXXX payment. This payment was deferred. I have a copy of my hardship plan along with screenshots of my customer dashboard, which clear shows : 1. The XX/XX/2021 payment was deferred 2. There are no late payments on my account. 

I have talked to an Upstart agent over the phone and sent two emails requesting the removal of the incorrect 30-days late reporting. Upstart has refused to remove the incorrect late reporting. They suggested I report the dispute to the credit bureaus, which I have done. XXXX has approved my dispute and removed the late fee reporting from their records. I am awating XXXX 's decision and XXXX will take longer because I had to mail in my backup ( their online customer portal was down ). 

I XXXX for a living, so it is easy for me to provide backup for my dispute. I can only imagine how frustrating this must be for someone who does not have the " ease '' of disputing an incorrect reporting. 

I have also submitted a complaint with the XXXX and now CFPB.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (PA)

There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I received several emails from various wellsfargo.com welcoming me and activating my personal checking account. I did not open this account. I do not bank with Wells Fargo now and never have. When I called their online fraud department i asked how a bank could open an account without a photo of my government-issued state ID, and that based on recent litigation, their XXXX XXXXrogram should be a little tighter. XXXX from the Online Fraud team told me it sounded like I was speaking a foreign language and wasn't aware of what XXXX or the FTC were. While the account is " frozen '', I was told this issue would remain active for at least 45 days before closing. How is this possible??
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (KS)

Received a letter on XX/XX/2022 saying I applied for a " XXXX Credit Card '', but because they could not verify my identity they were unable to approve the application. This letter was from " XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, ND XXXX ''. The company name is apparently " Elan Financial Services ''. Ref : XXXX. 

I believe this letter is a scam since I didn't apply for the credit card, nor has an inquiry been made on my credit report. I have learned others have received similar letters for the last few years, or have other various complaints. They need to quit sending unsolicited letters to trick people into calling them. I did NOT call them since that is what they are trying to get people to do.
Consumer complaint received 2022-08-25
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. (VA)

have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (KY)

I have been trying to work with this company for 2 years. They have done absolutely nothing for me. I have paid them a large some of money. They refuse to respond to my emails. I have not heard from them in a very long time. They agreed to refund some of my money but that was months ago. 

They only deal with my friend but we are getting the runaround from them. 

All the information online was misleading. I did not get access to the client dashboard. I never received any paperwork. I did not get a separate account. 

Paid for priority mail and never received anything. 

I kept sending copies of the letters from debtors and they kept saying everything was taken care of.
Consumer complaint received 2022-05-19
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. (VA)

I been trying to get this issue corrected for 3 years now. XXXX XXXX and Equifax has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all XXXX bureaus don't match either.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.