davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days 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. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-04
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. (MI)

XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (TX)

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 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 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I purchased my home XX/XX/2010. During the last 9 years I have gone through an ugly divorce, had 2 XXXX, 2 wrecks, my son went to XXXX for 20 years and a number of other issues. When I was 2 months behind Chase stopped accepting payments from me. I have applied for loan modification in excess of 5 times. The results are always I am denied either due to not enough income or on one occasion to much income even though nothing changed. I was denied the right to use my child support of {$380.00} a month as income because there was no divorce decree. I was never married but we got an attorney had a parenting contract and had it notarized and filed. I was also denied the ability to use my XXXX year old daughters income because she hadn't had her job log enough. I co-signed for my son and his wife for a car and provided 3 months of proof they make their own payment but was not allowed to subtract that from my debts even though I pay my own car payment. I owe more on my house now then when I moved in 9 years ago but no one can explain to me how that is possible. I was denied any type of a repayment plan. Foreclosure papers were left on my step when I was out of state but were filed with the court saying they were accepted by someone in my household that doesn't exist and no signature was provided. I filed an appeal on all of these issues but nothing was done. All I want is a fair chance to make my payments and keep my family in a home during the winter months but Chase refuses to work with me at all. My daughter in law who is pregnant recently moved back in with me and I tried to include her income but still denied. Please help a person who is just trying to pay her mortgage and keep her children 's home.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 90 days late as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/XXXX there were 3 transactions in my bank account. On XX/XX/XXXX. I contacted the bank they started a dispute and refunded my money. Then in XX/XX/XXXX Chime bank said they contacted this " merchant '' and that they confirmed the charges so they took the funds back out. {$330.00} was deducted for 3 transactions that I did not authorize since XX/XX/XXXX I have called everyday to ask for the merchant information because there is none that I can find and they will not work with me to give me the information in have submitted 18 disputes with tons of documentation and they will not respond. A total of 34 emails have been sent and no response only to spay it was a justified transaction. On my bank statement these 3 merchants are not even in English and there is no information for them. The email listed is fake. I have the documents from spoof @ gmail and from spoof @ XXXX stating these are fake websites. I have submitted the documents from the United States Post Office saying no packages were delivered to my home address within the past 90 days. Also the tracking number they verified it to belong to different home address and different person. XXXX also sent the documents stating a different card was used with my name being fraud. I contacted XXXX  XXXX  and TransUnion and there are about 18 internet applications with mixed my information with some elses. So a freeze has been put on my Credit and a fraud alert has been set up. Apparently my accounts have been hacked and I did not even now it was this serious until I tried to remove these charges. The same 300 merchants tried to access my XXXX, Chime, and XXXX accounts. I need help to resolve this issue for the bank refuses to even look at all the documentation I have provided by responding only that they contacted the merchant but I don't understand how if all the paperwork I have shows them to be fake websites and people. 
XX/XX/XXXX {$110.00} XX/XX/XXXX. {$110.00} XX/XX/XXXX. {$110.00} Refunded on XX/XX/XXXX Then deducted again on XX/XX/XXXX ... XXXX {$330.00} I have all the documents for thiese XXXX transactions.
Consumer complaint received 2021-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I applied for a personal loan in XXXX on XX/XX/2021. A few days later XXXX told me they couldn't approve my loan because I have an active fraud alert in Equifax report, so I need to call them and have them remove the fraud alert. I called the Equifax and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called XXXX back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back Equifax and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back XXXX again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither XXXX nor Equifax were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional XXXX inquiries to be removed from my Equifax credit report.
Consumer complaint received 2021-07-04
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (GA)

Credit 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 -USDOE/XXXX- XXXX -USDOE/XXXX- XXXX XXXX XXXX XXXX- reporting late paymentsXXXX 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  Truth in Lending Act The Fair Credit Reporting Act The Equal Credit Opportunity Act The Fair Credit Debt Collection Practices The Fair Credit Billing Act
Consumer complaint received 2021-07-04
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. (FL)

I sent a letter previously ( XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days 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. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank who runs the credit cards for XXXX  XXXX XXXX is engaging in highly questionable credit practices. 

My wife and I opened a XXXX XXXX XXXX  account in XX/XX/XXXX, the initial credit line was {$3000.00}. Within 90 days, Synchrony lowered the credit limit on this account by {$500.00}. All of our payments were on time or paid early. When I asked the representative why it was lowered, I was told my wife and I were 'high risk creditors '. 

It is now XX/XX/XXXX, as my wife and I sit here watching tv I get an alert that one of my credit files was updated. I logged in to XXXX  and found out that Synchrony closed our account. Closed an account within 7 days of receiving a large payment. We didn't ask for this account to be closed, in fact we were paying the balance down to prepare for purchasing a house. And now this account is closed. We wouldn't close the account when we were told specifically not to by a mortgage broker. 

After looking online, it has come to my attention that Synchrony is doing this to people all across the country.
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase Vault.The co-signer email address in my Vault never gets the email to approve my transfer. That email does get emails. I got one from Coinbase on XX/XX/2020. Have tried this transaction numerous times prior to this date with the same outcome. No way I can find to change my second email. In my world I have money in a vault that I can not access. How can I do this? I am really frustrated and getting ready to escalate this in any way possible to get my money so I can use it as I want. Have sent this more than once with no response outside of a Robo email.
Consumer complaint received 2018-02-16
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. (SC)

yes companies XXXX open date XX/XX/XXXX XXXX have wrote to equifax and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on equifax and closed on XXXXXXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (IL)

To : XXXX, XXXX and Equifax I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, Equifax and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

Hi, I trying to resolve this problem since XXXX XXXX, i call XXXX XXXX, citi bank, i keep calling all the time to get help, XXXX XXXX i send copy off my social security, and they still don't do anything i need help, i have a closing day for my house and if I dont fixed this situation I will loose {$10000.00}, with the real state, please if you can help me i will be very happy, thankyou
Consumer complaint received 2022-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/2022 I logged in to myfedloan.org to view my loan information plan for repayment. These loans were automatically put on forbearance for COVID-19, and even though mandatory repayment is resuming they are not providing several pieces of crucial information about my loans. 

They do not provide the interest rate. It is listed as 0 %, which I understand is from the forbearance, but there is no information listing the actual interest amount. 

For each loan they list " IDR Forgiveness Payments Made '' listed at XXXX. The following message is provided in a help modal : " If your loan is on an Income-Driven Repayment ( IDR ) plan, this is an estimate of your forgiveness payments made, which will be validated as you approach forgiveness. For more information on forgiveness and the amount of payments needed, visit https : //studentaid.gov/manage-loans/repayment/plans/income-driven. '' This is not acceptable. It should be displaying each payment from the start, especially in light of loan servicers ' record of losing payment record and information. 

I can not find full terms for my Pay As You Earn ( PAYE ) plan on the website. I have only heard from third-party sources that forgiveness occurs at the end of the repayment term of 20 years, but I have to pay taxes on the forgiven amount as if it were income. Nowhere on the site tells me this, nor how much that amount could be. I can not calculate this myself either, as they have interest rates listed as 0 %. 

I have called the organization and been on hold for an average XXXX hours, only to have the call dropped 3 times.
Consumer complaint received 2020-09-23
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: JPMORGAN CHASE & CO. (IA)

I have a loan with Jpmcb - Card Service, XX/XX/XXXX and Us Department Of Edu. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XX/XX/XXXX, Jpmcb - Card Service, XX/XX/XXXX, and Us Department Of Edu with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize.

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. 

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 Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I purchased a flight on XXXX XXXX XX/XX/XXXX for {$380.00} with my Chase XXXX card ending in XXXX. I cancelled the flight due to covid and received an airline voucher. Recently, XXXX XXXX said they were just going to refund all these flights to original form of payment. I called XXXX XXXX and said the card I purchased the flight with was cancelled already. They said typically if you still have an account open with the same bank it is ok. I called chase to clarify, they said 'of course, we do this all the time ' and 'the credit will be put on an open account '. I went ahead and requested the refund from XXXX XXXX on XX/XX/XXXX. 

Months later I call Chase to see what's going on with the refund. They said they have no record of my XXXX credit card and don't know what to do. I made several calls to Chase, all with different answers. 
Call 1 : They said I should see the refund soon Call 2 : They said the money was returned to XXXX XXXX, and I need to call them. I then called XXXX XXXX who said the money was sent to Chase and never sent back. 
Call 3 : They said the account is purged. In order to fill out a form to get the money, I need to provide the full credit card information. I don't have the credit card anymore and for some reason Chase doesn't have records of a card cancelled a handful of months ago. They said to fax in all my information to receive the card number. -- > I faxed all my information and received a letter back saying 'We can't locate the transaction information you requested. ' Call 4 : They said they call fill out the form but do require the card number - again, they can't see it in their system. Said to send another fax as there is nothing left to do. 

So at this point I have called Chase many times and it comes down to needing the card number - which I do not have, and for some reason they have no record of. The last call I had the person said there is nothing left to do ... 

Chase originally told me this 'would be no problem ' yet now I've spent countless hours on the phone with Chase and XXXX XXXX XXXX who always have the same story, the money was sent and never returned XXXX ... 
So I just need help on next steps. Chase has the money somewhere and I would like it returned to me.