davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

Within the last 2 months, Synchrony Bank closed my credit line due to inactivity. I contacted PayPal initially because that who I originally opened the account with ( PayPal Credit ). They have since turned their accounts over to Synchrony Bank. I contacted Synchrony yesterday and was initially told that it was a part of their terms and conditions that an account be closed due to inactivity. I have not used the account since 2019. I then requested a copy of the Terms & Conditions. I was advised that they were not available to be sent to me. The CS Rep, then said he would review them. When he returned to the call, he stated that the Terms & Conditions did not advise of an account closure due to inactivity. I also want to state that I have 2 other accounts with Synchrony Bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I rarely use that are still open. They are credit cards. Companies/ '' Banks '' should not be allowed to make up the rules as they go along. This has impacted my debt-to-income ratio, which, even though the credit line was not high, it did help. Especially in the process of purchasing a home.
Consumer complaint received 2021-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 41 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 41days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NY)

On XX/XX/2014 an account on Chime was opened without my knowledge or permission. This account is 100 % fraud. 

I tried calling several times to cancel the account but can never get through to a representative. I emailed several times and received very unhelpful responses. The last response they asked me to email them a copy of my g we meant ID. After they allowed a fraudulent account to be opened, there is zero chance I giving them PII. 

There unwillingness to take swift action even after being made aware of the fraud is unacceptable.
Consumer complaint received 2019-01-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I owned a XXXX XXXX in nyc, XXXX XXXX XXXX transferred the loan to XXXX XXXXlast XXXX XXXX, I agreed the terms of the loan paying {$2700.00} monthly which is due every 11 of the month. I paid on time XXXX, XXXX, XXXX and XXXX XXXX.Now they gave a website to register to see my payments there are two acounts under my name one shows 6.25 % interest rate, I have the loan with only 5 % for 5 years called several times to no avail.I did not get any statements of the payment, I do not know where my money, instead a woman from XXXX XXXX  call almost every day insisting that there is money that I owe which is not truth Website shows numbers which is hard to figure it out ej, penalty .... late payment ... ..not received ... ... interest payment {$2100.00} I> I have another morgage from my house I can see clearly interest payment principal and total.This bank acts kind of shady. 
please help me to resolve this problem I am a senior and not feeling well Thank you Very much if copies of checks is needed and other information please let me know.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, XXXX closed my bank account without reason. They keep telling me a million times that a letter was sent to me in the mail but I never received such a letter. 
They sent me a cashier 's check after the funds were completely frozen in the account and refusing me several requests to wire transfer or directly transfer the money, so they sent me a cashier 's check in the mail. Now the cashier 's check might be lost and now, XXXX, a Supervisor from Customer Service, told me that I have to go to a branch to settle the matter with the check despite her knowing that I am not in the country and that there are no branches that I can go to in XXXX. Instead of working with me, they are finding great pleasure in causing me great emotional distress and harm.
Consumer complaint received 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-10-12
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. (GA)

I've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, Equifax, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, Equifax, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Greetings, I contacted XXXX, Equifax and XXXX in XXXX regarding a bankruptcy that was reporting on my credit report and they would not assist in removing information. These credit bureaus are reporting bankruptcy information on my credit report and have put in data furnisher as US Bankruptcy Court in XXXX Georgia District which is false information. Here is a link sent to me from the court verifying that they do not furnish information to credit bureaus or credit monitoring services : XXXX XXXX XXXX The US court of XXXX Georgia has stated that they do not verify or validate any information to the credit bureaus. The 3 credit bureaus are falsely stating this information in my credit report and have yet to remove it.
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

Hi, my name is XXXX XXXX. My company name is XX/XX/XXXX.my merchant id is XXXX. My clover email is XXXX original cfpb ref # is XXXXFiserv agreed to release {$30000.00} to me and said already sent me an check to my old address XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX without asking my current mailing address last week. But i do not live in that address anymore and i never received that check. Please make an expedited shipping with traceable courier like XX/XX/XXXX or XX/XX/XXXXMy current shipping address is XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXXplease ship an replacement check to my current address asap.please send me tracking number after fiserv shipped my replacement check. Thank you so much.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MA)

A scam XXXX account took {$120.00} from my Direct Express debit card. This card is used by the government to deposit monthly social security benefits to recipients. The money was taken out on XX/XX/2021. I immediately contacted Direct Express, and all I have gotten is a run-around. They did not even bother taking a complaint or closing the card as is standard protocol. Today, XX/XX/2021, I called for the 9th or 10th time, and they finally took a report after I spent several hours on hold and talking to multiple people. They then told me that they will send out a questionnaire, which I need to complete and return before they can open an investigation, which they claim will take 45 days. 

This company is a habitual offender. They do everything to not refund money that is stolen from customers ' accounts. And some of the scammers might be working for the company. It is a shady company that must be investigated and audited for its handling of government funds and abuse of benefits recipients. 

DIRECT EXPRESS PHONE NUMBER : XXXX CLAIM N0. XXXX I want this money back, and this company investigated for their fraudulent practices.
Consumer complaint received 2021-01-10
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. (LA)

I have been disputing fraudulent items on my credit report with Equifax, XXXX, an XXXX for the past six months to no avail. I first submitted my first dispute for XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a collection account that was once removed due to fraud since XX/XX/2020. I submitted an FTC report to XXXX, Equifax, and XXXX with these fraudulent accounts and every time I submit a dispute and attach the Identity Theft Report from the Federal Trade Commission, they all states the item was certified from the creditors. I've asked for validate that the items belong to me, with my signature as proof, but the Credit Bureaus won't cooperate. Equifax, XXXX, and XXXX states that the FTC report was not valid when I worked with a representative from the Federal Trade Commission to create the Identity Theft Report. The accounts from XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX were removed already due to fraud. This is totally unacceptable and these accounts are reporting negatively on my credit report and affecting my livelihood. According to the FCRA, when you submit an Identity theft report, those accounts should be removed with 24-48 hours.These accounts have been reporting fraudulently since XX/XX/2020. The negative reporting have dropped my credit score from a XXXX to XXXX. I've spoken with XXXX XXXX about the fraud. They know I didn't open these accounts, but they are still reporting them negatively because I won't press charges on the person I suspect that used my identity. I did not open these accounts and I should not be held liable for these fraudulent accounts.I call these Credit Reporting Agencies all day everyday. It takes so much time out of my life. It's very depressing and and is taking a toll on me. The hold times to speak with a representative is almost a 45 minute wait. It's very tedious and frustrating to have to fight for what's right, when the bureaus hold your life in their hands. I pray that this complaint rights the wrong I've experienced.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

When I was about 14 years old, I made a poor decision. I misused checking account and it resulted in permanent closure of the checking account. I was unable to open a new account with Chase ever since. When I turned senior in high school, I started regretting about what I've done and I decided to pay back negative balance on my closed Chase checking account. They were still unable to open a new account so I decided to open new account with other banks. I've been responsibly taking good care of my bank accounts and credit ever since then. Now I'm XXXX now, almost XXXX years old, I want to do business with Chase again for my company and personal financial management and growth. So I decided to apply for new account and I got an error message saying I needed to visit Chase branch. So I went to branch next day and banker was unable to open a new account because system didn't allow him to. So he told me to call 1 800 number about this issue and so I did and customer service agent told me that branch manager was the only one that can override it. So I called the branch manager and she said she'd get back to me but she never did ...
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EdFinancial Services (IL)

On XX/XX/2022, XXXX XXXX XXXX notified Ed Finical of a vulnerability within the system. 
On XX/XX/2022, the investigation started XX/XX/2022, and concluded that personal loan information had been accessed by an unknown party beginning XX/XX/2022 and ending XX/XX/2022. 
XX/XX/2022, Letter was sent from Ed Finical stating that my personal information ( Social security number, name, address, phone number, email address ) Edfinical offered access to a credit monitoring and identify theft service XXXX for 24 months. 
No further actions were taken by Edfinical or XXXX. Millions of identitys now at high risk of having their lives destroyed because of the incompetence of a company responsible for millions of dollars.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCS, Inc (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

NOLL COLLECTION SERVICE AMOUNT : {$89.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
Consumer complaint received 2021-01-09
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. (DE)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

My brother, XXXX XXXX XXXX passed away on XX/XX/2022. I, XXXX XXXX XXXX XXXX was named as successor in interest. I filed paperwork with Rocket Mortgage on XX/XX/2022. They have repeatedly sent the Affidavit Confirming Successor in Interest. The form was also notarized. In addition to sending these several forms in, I also sent a death certificate along notarized Affidavit- Death Of Trustee showing my name as the successor of property. Rocket Mortgage simply returns the same form back to me asking for duplicates of items sent! All paperwork has been sent XXXX overnight delivery. I have receipts showing Rocket Mortgage signed for these papers. The homeowners insurance is coming up for renewal as well as year end taxes and I am very concerned about this!
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.