davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-06
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX  AccounXXXX 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 has violated my rights.

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
Consumer complaint received 2019-10-22
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)

These accounts were previously deleted from my credit report as reported on Consumerfinance.gov website, Equifax has reinserted these fraudulent accounts and this has caused harm to my credit standing. Im asking to have these accounts removed as previously reported to the CFPB. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

My first complaint no. XXXX was closed by the company without a satisfactory solution. 
Coinbase received around XXXX BTC of mine from my XXXX  XXXX  in XX/XX/XXXX. 
The above amount never showed up on my Coinbase account, even though the transaction on the relevant blockchain proves that the money was transferred to Coinbase. 
In other words, Coinbase still owes me at today ( XXXX, 2021 ) about {$170000.00}, but they don't seem to care. 
Consumer protection should mean resolving these types of problems in a timely manner while considering the burdens and distress caused to the customers. 
I really wonder how much Coinbase cares about its customers.
Consumer complaint received 2021-02-04
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. (CA)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Called the bank on XX/XX/20 and was told the bank closed my checking account without my knowledge. They called it a administrative decision. Was told the only way I would get my balance was via mailed check or wire transfer. Called again on XX/XX/20 to ask if bank transfer was an option. Told by customer service, it was a flat out no. My new account doesnt take wire transfers and I am unable to use mobile deposit without being enrolled in direct deposit. I should be allowed a bank transfer from a closed account to my current open account. This bank makes customers wait months to get it done.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

Hello! 

I sent them a debt validation letter dated XXXX. They failed to work with me and were very rude to me. When i asked for the company manager they hung up in my face. I contacted them several times after and received the same response.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OK)

I've called in 3 times to try and get a 2 month deferral due to several reasons. 1 being 3 time XXXX patient. 2. lost my boss to covid so ive lost my extra income. 3. family is struggling with covid. they say i'm maxed out. ive told them i cant make a payment until XX/XX/XXXX when i get my next social security XXXX check and even then it will only be for XXXX and i owe 2 months. I have XXXX and they keep calling even though ive explained i cant do anything until the XXXX. they are causing me XXXX XXXX. i've having a hard time just keeping going and not XXXX  myself these harassing calls arent making it better nor is the fact i know at this point they can repossess the car at any minute.
Consumer complaint received 2020-03-05
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. (OR)

On XX/XX/XXXX around XXXX PST I called Equifax at XXXX I spoke with the Agent in regards to an issue with my Social Security number being reported incorrect, Banks rejecting a car loan due to something wrong my with Social Security Number. I gave them my SS # in which they stated it was not the # on file it was off by a digit. I was then told to FAX in a copy of my SS card, so I copied front and back of my card and filled out a FAX cover sheet with a description of my problem and followed 2 more pages with the front and back of my SS card. I was told by the agent, 3-5 business days it would be processed. I called 5 business days later. It has not been processed. Waiting 2 more business days, agent put me on hold, never returned to the call. Went straight to a survey. 
I called again, This time I got someone that tool extensive information from me and said again. it is 5-7 business days to process. In which at that call it was 7 business days. My problem not resolved, no fax with my information revived so they claimed. She then told me give it couple days and call back. Today I called, 9 business days from first contact and FAX sent. Agent put me on hold, call sent straight to Survey. Hung up on me again. This is VERY UNPROFESSIONAL and the process time is not what they claim and I am sick of being treated like this and want RESULTS.
Consumer complaint received 2017-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

I went to a Chase bank branch in XXXX XXXX Mi. to deposit a check in XX/XX/2018. The XXXX female branch manager told.me to " get my XXXX XXXX out of the bank before she calls police. I then took the check to another Chase branch on XXXX XXXX and check was deposited into account. ( the manager made a complaint to chase that day. ) Same scenario same bank ( XXXX XXXX ) repeated this again in XX/XX/2018 with a cashier 's check. ( Both checks were drawn on Chase so it was THEIR checks.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MD)

A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XX/XX/2021. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2020-11-24
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. (MA)

HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I tried freezing my credit report today XX/XX/XXXX. 
Online the company asked for my personal information - my full social security number, my address, my date of birth. After receiving all my information the website said it could n't freeze my credit. It asked me to resubmit all the information I had already given in writing and mail it to an address provided by the company. 

I tried calling the company on the customer service line through their automated system and was told they could not freeze my credit the automatic service then hung up without giving me an option to speak to any customer service agents. 

Considering the security risk the company has exposed us to they are making the situation worse by making it difficult for customers to protect themselves. 
Thanks
Consumer complaint received 2020-05-27
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: SYNCHRONY FINANCIAL (CT)

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago Synchrony Bank acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the Synchrony Bank Care Credit account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I'm applying for a mortgage and the bank " Local government Credit Union is getting an alert from Equifax that there is a Block creating multiple files. I have called Equifax XXXX several times and the automated line says my personal information is incorrect and wont let me speak to a live agent. So I'm not able to speak to anyone at Equifax to see what is wrong with my credit file.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (VA)

Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.
Consumer complaint received 2021-01-26
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 have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident
Consumer complaint received 2021-04-27
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. (KY)

XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

We have been trying to work with Ditech/Green Tree since XX/XX/XXXX to request a loan modification. Each time a package was received, Ditech would request additional information via mail, we would provide the requested information, they would say that the originally submitted information was out of date and deny the application based on an incomplete application. 

They have twice filed for foreclosure, both times while a loan modification request was being considered. In XXXX of this year, we had a hearing with a Judge on the foreclosure and based on the information submitted the lender was required to review our documents for eligibility. We received a denial letter, and that denial was based on a bankruptcy that was discharged in XXXX. We were offered no process or opportunity for appeals, even after we requested such from the lender. 

I believe that this lender has not complied with the requirement of RESPA or FHA when it comes to evaluating the property for options for loss mitigation. We experienced a temporary loss of income when this happened, however after it became 90 days delinquent they would not accept additional payments from us, which has created a snowball effect of late payments. 

Any help you can provide is greatly appreciated.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from XXXX XXXX XXXX to be stopped as well as for the negative information to be removed from my credit report. XXXX XXXX XXXX as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.
Consumer complaint received 2020-05-27
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. (FL)

I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.
Consumer complaint received 2019-08-09
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. (HI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX
Consumer complaint received 2020-05-27
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. (AL)

XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank agreed to delete a hard inquiry on my credit report for a Wal-Mart card.

Instead they are forcing me to have a hard inquiry for a card we dont have or want and couldnt be processed.

They couldnt access my reports and did not get permission to access ( fraud alert placed on all agencies-actual identity theft issue ).

They did not send any documents for deletion, which they claimed could be sent by mail only, for the deletion or reduction of the inquiry to soft pull.

They argued that I had chosen to apply and couldnt back out because of their agreement.

Synchrony seems to try and bully people not interested in their store-only accounts into having accounts they dont want. My credit file had a fraud alert and both XXXX and XXXX were locked and frozen when these occurred, I had unlocked XXXX to do prequalified card offers only. 

They had three applications and said they would not process them, but I received emails saying they had processed the applications, and claiming they were unable verify my identity over the phone.

I had actually verified to them at least five times giving them all the info for their records in order to be allowed to discuss the accounts with them, but it was as though they were creating an application while I was protesting, telling me I wanted the card and couldnt stop them from processing.

I explained to Synchrony that I had visited several of their sites in the past but hadnt applied. I told her I had visited WalMart site but only saw partial details comparing two cards. Synchrony argued I had provided them my full SSN and identity info ( which now they claim they dont have ), but they only had the info because they forced me to give all the info to them the first time I called, and every call after. WalMart isnt allowed to build stores in XXXX XXXX, so its obviously unusual pressure to apply for the card even after they ignored my fraud alert. 

I need the inquiry to be deleted. The application was never processed and no one contacted me for authorization prior to access any credit reports under the fraud alert. If they had called I could have stopped the inquiry by letting they know everything was locked. I have a police report for an extended alert as well because I have provided an address from actual identity theft event.