davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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. (CA)

This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is
Consumer complaint received 2019-08-31
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. (CA)

XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX XXXX XXXX Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

EQUIFAX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — Store credit 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 (IL)

I purchased a couch from XXXX XXXX XXXX , and Synchrony Bank issued a credit card for the purpose of providing interest-free, installment financing for the purchase. The couch was defective, as verified by an inspection performed on behalf ot he seller, and we paid the credit card installments as due while the seller was working with us to resolve this issue. The seller sent us a second couch, but it has the same defect as the first, and the seller has refused to take any further action in connection with this matter. We have made repeated submissions to Synchrony Bank, but the responses are all based on the seller 's replacement of the couch and Synchrony Bank has repeatedly ignored our clear explanation that the second couch has the same defect and has ignored our statement that the seller has refused to further work with us. I believe that Synchrony Bank is ignoring our statements because it has a conflict of interest because of its special business relationship with the seller by providing the financing services, so that Synchrony Bank 's responses have not been in good faith. Synhrony Bank obviously thinks that its flow of business from the seller is more important than dealing in good fiath with me.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX ; XXXX XXXX, O ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AP)

Transaction date : XX/XX/22 Amount : {$250.00} I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX last XXXX ( XXXX ), I purchased a beer at an establishment. They proceeded to charge my credit card for {$250.00}. The correct amount should've been {$240.00} and that is the amount I am disputing. Unfortunately, I did not notice until I had left the country so I could not raise the issue with the merchant. The credit card company XXXX XXXX XXXX, which is serviced by XXXX XXXX ) outright refuses to send me the alleged evidence they collected to arrive at their conclusion. They chose to leave me in the dark and this is unethical.
Consumer complaint received 2017-11-06
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: Innovis (IN)

XXXX AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX   ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
Consumer complaint received 2022-09-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (MI)

I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.
Consumer complaint received 2021-05-08
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. (OH)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2019-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IA)

I have worked in XXXX XXXX ( at a XXXX XXXX in XXXX XXXX ) for a decade. I have made 10 years of payments on time to Iowa Student Loan ( now called XXXX ). PSLF will not forgive the rest of my student loans even though I have met all of the requrirements of the Public Student Loan Forgiveness act. FedLoan servicing claims that none of my 10 years of on time payments count because I was paying them to Iowa Student Loan and not FedLoan. I have met all the requirements of the act and still qualify for forgiveness but FedLoan claims to be the sole judge and jury and told me I need to start 10 years of payments over with them. I think this is FedLoan acting in Bad Faith and intentionally denying my claim for {$7000.00} of debt forgiveness while they continue to collect servicing fees from taxpayers while doing nothing except denying legal student loan borrower claims.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check for {$9000.00} into a Bank of America ATM. The ATM read the check as {$1000.00} and would not let me cancel the transaction. I called as soon as business hours opened to fix the issue. They told me it would be resolved. The problem was not resolved and Ive spend numerous hours on the phone and 2 hours in the bank. I have a picture of the check in the ATM slip. It clearly says {$9000.00}. The bank told me I have to wait up to 10days while they file a dispute even though they can clearly see the check is for {$9000.00}. They are purposely holding up my money. 

Its absurd that they do not look at the actual check. The check cleared out of my clients account for {$1000.00} instead of {$9000.00}. What if it misread it as {$100000.00} and tried to take the money out. If I made a mistake they would charge me a fee and when they do I have to wait 10 business days for them to fix it.
Consumer complaint received 2017-11-06
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. (FL)

There is an account showing with XXXX XXXXXXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MD)

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MD)

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.
Consumer complaint received 2022-08-02
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$370.00}
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter to Experian Credit Bureau on XX/XX/2022 to removeXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Attempted to sell the property after being transferred out of state in late XX/XX/XXXX ( property in XXXX  ) & ( moved to XXXX  ). Home was not selling fast enough. Requested short sale information. Then in early XX/XX/XXXXreceived an offer. Wells Fargo processor gave me fax information to send in sale paperwork. I faxed personally 2 times & she told me that she did not receive it either time. So, I went to XXXX store for them to fax ( cost {$40.00} ). Again she did not receive it. She said try one more time. Again another {$40.00}! Then she told me that she really can't receive the paperwork via fax. It has to be submitted electronically into their system. So, then I went back to our real estate attorney in XXXX. They submitted into the Wells Fargo system immediately. Shortly thereafter I received word that she did not have enough time to review the paperwork and the offer. So, the offer was dropped. Some weeks later we received a second offer, only to be told that the offer was too high to qualify for short sale & that Wells Fargo was refusing the offer. When I called to ask why my customer service person was very rude. I asked " what do I have to do to get WF to process the paperwork & get the house sold to get it off my plate? ". No response. So, I asked, " do I have to get an attorney involved to get this done? '' He immediately hung up on me. I tried reaching anyone for months, being put on hold for 45 - 80 min at a time ( nearly losing my job because of it ) with no response from anyone at Wells Fargo. I finally gave up. Now both me & my mother have poor credit & IRS issues due to Wells Fargo 's failure to act on either offer for sale & poor customer service. This has now caused me to lose out on several job offers as well as cause my credit card interest rates to be raised & other cards to be closed.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you
Consumer complaint received 2020-08-06
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. (SC)

SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE : *Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. * I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus. Equifax is the only CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to Equifax to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to XXXX, GA. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however Equifax continues to report these accounts, no other bureaus do.
Consumer complaint received 2022-08-02
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-03-29
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. (AR)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

Last XXXX XXXX I sent money to the XXXX at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amounting {$480.00} + Transfer fees {$50.00} Then XX/XX/XXXX American time I recieved a message in the XXXX that they did not trace and recieved the money I sent, So I went back to JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to complain about the matter, They work on it I though they follow it up and it is okey now .Just this morning I was notified in my email that another {$480.00} was deducted in my account .Im just wondering what happened to the first {$480.00} that I sent last XXXX XXXX