davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX Balance {$1000.00} XXXX Balance {$730.00}
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

I opened an account at XXXX. I dont know why but one day during XX/XX/XXXX, they suspended my account. There were {$200.00} in that account. In XX/XX/XXXX, I contacted the customer service they said they will sent me a check in 30 days. I didnt receive anything until XX/XX/XXXX and then I called again. I sent all my documents to them, they said they will open my account in 48 hours. They didnt open it. After that I called again, they said I need to send email to XXXX, I did no one response. I just want my money back
Consumer complaint received 2018-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm thinking I'm the only person with three credit profiles first credit profiles ( XXXX ) ( XXXX ) ( XXXX ) and was set up my EXECUTOR and ADMINISTRATORS us government and FDIC XXXX XXXX so I FIRED the bankers I have perfect credit on all but one when the ex-wife broken into my house i file a police report with XXXX XXXX XXXX police department On file if needed
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-06-04
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. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent XXXX Collection : XXXX ( Original Creditor : 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 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
Consumer complaint received 2022-03-04
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2018-03-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On or about XX/XX/XXXX, I contacted the XXXX  credit bureau in writing and I asked XXXX  to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. 

Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. 

***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for Equifax. 13 with XXXX and 34 with XXXX. I have filed police report and put a fraud alert with all 3 reporting agencies. Equifax is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MO)

The JEFFERSON CAPITAL SYSTEM ( Original Creditor Name : XXXX ) XXXX is being reported as a collection account in my Credit Report. This debt is already settled. Moreover, this collection account has a Past Due amount. I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED MORTGAGE CORP (NY)

This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My paypal account was closed for no reason. They said they can't help me about it and are not able to tell me as to why, you can check the screenshot of their email, saying " there is no further detail I can provide ''. I am not sure if this is a mistake as I assume it has to be because I already gave them what they're asking to resolve the matter, I gave my National ID, my transactions but they still limit my account. They will freeze all my assets up to 180 days. I am so frustrated because all of that money is from my own pocket. I remember I could file a complaint here as I feel they are not doing their job properly and I have used paypal so many times and some transactions didn't end up limiting my account, I don't know what basis they have for doing this. What happened to me affects me and also my family here in the XXXX and as we are about to spend my funds for XXXX but now I can't even spend a single cent. I shouldn't beg anyone to give my own money back because I have all the right from it. My email linked to my paypal is this - XXXX. Thank you so much.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bankXXXX credit reported me 30 days late for XXXX before my payment was due! Payments due on the XXXX of the month. I paid XXXX on the XXXX and XXXX on the XXXX. They keep saying they arent reporting me late for XXXX and my XXXX shows they are reporting me late. I paid extra in XXXX! I paid ja and XXXX early so how was I late in XXXX and my account shows a 50.00 credit because I paid more than was due trying to pay it down but they only allow full payoff!
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/2022 i received an electronic letter stating my credit limit of {$2000.00} was being reduced to {$1200.00} - i immediately called to speak with someone as this will be taking a major toll on my credit score affecting me in so many different ways. I have worked hard everyday on my credit so any minor change affects me in many ways. 

XXXX XXXX-is reducing my credit line by {$800.00} this will in return cause my credit utilization to drop drastically causing my credit score to crash which will in return leave me struggling for months to fix. 

I called customer support for assistance and instead was insulted and kept being told if i seen the letter sent then there was nothing they could talk to me about at that point. The gentleman on the other line even hung up on me when i asked to stay on the line and be transferred to someone else. 

I don't understand why Synchrony Bank is causing this inseparable damage to my livelihood as a single dad i moved my children to our new place and began working on putting our life back together decided to finance furniture and pay it off with the promise of no interest charge for a year, if i would have known they would pull the rug under from under me on the offered credit line i would have never financed thru them and would have paid in cash. In addition i enrolled for AUTO PAY since the start of my financing with Synchrony bank and was told that my account was never enrolled and all i have been paying is late charges on my account this is really concerning specially because when i called in for help their automated line kept asking me if i was " disputing a late charge '' multiple times thru the process of trying to reach someone, this only shows that they get these types of calls often are are probably not processing " auto payments '' to cash in on the late charges and capitalize on those fees. 

i am requesting my credit line to be reverted back to its original amount. My credit score is even higher then when i originally opened my account with Synchrony and i monitor my credit on a daily basis so i am not sure why this is even happening.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (AZ)

I have spent most of the day trying to close my Paypal account. Paypal will not close my account because they say I must close my Paypal credit account. Which I have.closed. Paypal and Paypal credit are two different accounts..After a bunch of attemps with paypal chat, the chat person keeps telling me to ask Paypal credit what the problem is.I even copied and pasted a copy of my Paypal credit account page at thie Paypal credit web site that says my account is closed.They contiue to refer me back to Paypal credit. I want to have both accounts closed. I have closed the Paypal credit account and now want to close the Paypal account. Paypal has thus far refused to close my Paypal account. How do I get the Paypal account closed?
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You are reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

In contacting Equifax to obtain a physical address ( not a XXXX ) in order to mail certified/registered mail. XXXX are not acceptable addresses to send certified/ registered mail to. I obtained with no problem same information from XXXX and XXXX where they did provide a non XXXX address without any problem or hesitation. Yet upon contacting Equifax for same information not only was their professionalism non-existent but they left me on hold for over an hour and ten minutes. In order to properly document a dispute to have my credit properly reported and reflect the correct credit score, the attempt was made to contact Equifax to obtain such information. All I got after this attempt was that Equifax does not have an address that receives Registered/Certified mail with no explanation whatsoever. To add further, in contacting directly I was placed on hold for an inordinate amount of time where call was never picked up. I had to call from a separate phone line altogether, speaking with Supervisor XXXX ( No last name provided ), where other call was still on hold while speaking with XXXX at the same time. It irks me that this company expresses customers/consumers are important to them. I beg to differ, not only was I treated like a second class citizen but my concerns now stem to whether they are reporting consumer credit information accurately given their blatant disregard for a consumer like myself trying to make a viable inquiry as to the financial credit reporting that this company is supposed to take seriously. To conclude, as a consumer I find this behavior deplorable, un-professional and seriously makes me question this company 's business practice on the treatment of customers/consumers, which now makes me question Equifax 's integrity on reporting financial credit information properly after my experience with them today. Thank you for your time and I look forward to CFPB 's response with regards to this matter. 

Respectfully submitted, XXXX XXXX.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MD)

On XXXX/XXXX/2022, I called IQ Data International after receiving a letter in the mail saying that it may be possible to negotiate settling my outstanding accounts at a very favorable discount. That evening, I received XXXX letters confirming in writing that if I paid a total sum of {$10000.00} by XXXX/XXXX/2022, that my XXXX outstanding accounts would be settled in full and that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding these accounts. 

I was provided the account information to make a wire transfer and sent the full {$10000.00} owed on XXXX/XXXX/2022. I immediately sent the transfer receipt with confirmation number to XXXX XXXX, the operations XXXX who had sent me the agreements. XXXX did not acknowledge receiving the transfer receipt, so I sent the receipt again on XX/XX/2022 to both of her e-mail addresses listed in her signature. I then proceeded to call the agent I had spoken to on the phone, XXXX, who told me that they had just received the funds from the transfer and my end of day I would have confirmation. 

On XXXX/XXXX/2022, I was sent two letters confirming payment was received in full for both of my account, settling the account and releasing me from further liability regarding obligations to the original creditor. It also reiterated that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding this account. 

On XXXX/XXXX/2022, my XXXX credit history was updated to show that I still owed {$780.00} on one of the accounts. XXXX and XXXX credit histories continue to show that I owe the full balance and do not acknowledge that the accounts have been settled. 

On XX/XX/2022 I sent a copy of the XXXX report and the letter from IQ Data International stating my account was settled in full to XXXX XXXX, requesting an investigation into the matter and corrective action to remove the negative information from all three reports and update the account as settled in full. No response has been received.
Consumer complaint received 2022-06-04
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. (TX)

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( EQUIFAX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (SD)

On XX/XX/XXXX I received a {$600.00} deposit in my checking account that I didn't sign any loan agreements for. I emailed the company and told them I will return the {$600.00} by check but I don't want any withdrawals made from my checking account because I am afraid they will just keep taking payments even if I return the money. I will wait until after the date they were going to take a payment because I am afraid I will lose the payment plus the {$600.00}.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MN)

Chase Sapphire Reserve Card offered a promotion with a business partner XXXX where Chase Sapphire Reserve Card holders if they signed up for XXXX XXXX XXXX annual service {$190.00} plus tax by or before XXXX that the fee would be credited back. I've made two attempts to resolve this- once in XXXX and once in XXXX. Its XXXX and still not resolved. Perhaps others are facing the same challenges.
Consumer complaint received 2022-06-03
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: Mr. Cooper Group Inc. (CA)

I HAVE A LOAN WITH NATIONSTAR/MR COOPER . AND I AM HAPPY THAT THIS BANK GEVE A LOAN. I AM VERY RESPONSIBLE PERSON AND I AM ALWAYS ON TIME WITH MY PAYMENTS. BUT UNFORTUNATELY XXXX  OF XXXX MY ENTIRE FAMILY GOT XXXX. OUR FAMILY SITUATION WAS REALLY BAD, I WAS ACTUALLY XXXX, DOCTORS HAD NO CHOICE BUT XXXX XXXX XXXX XXXX, WHICH BASICALLY I WAS XXXX  WITH THIS SAID I FELL BEHIND ON MY MORTGAGE PAYMENT FOR THE MONTH OF XX/XX/2020. I HAVE TRIED TO HAVE THIS LATE/NEGATIVE REPORTING REVERSED BUT THE BANK IS SAYING THEY CANT DO THAT. I AM SURPRISED AS TO WHY THEY CANT DO ONE TIME CUSTOMER SERVICE SPECIALLY WHEN I AM EXPLAINING TO THEM AS TO WHY THIS HAPPENED. I HAVE HAD THE LOAN FOR ALMOST XXXX YEARS AND NEVER HAD ONE LATE PAYMENT ONLY IN THE MONTH OF XXXX OF XXXX  HOW COULD I HAVE MADE A PAYMENT WHEN BASICALLY ON A XXXX XXXX WHICH LUCKLY WAS OVER TURED AND I HAVE RECOVERED EVER SINCE.