davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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. (GA)

I mailed letters to all XXXX credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX  a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Consumer complaint received 2020-07-20
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

I am more than happy to pay and start paying IMMEDIATELY. Before doing so the balance needs to be adjusted to the correct amount so I can make the correct monthly payment and not some inflated amount. 

Paypal/Synchrony Bank is claiming I owe you {$760.00} minimum payment with a balance of {$3800.00}
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

i tried to call in personally and also my power attorney was present. The lady was combative and also my poa tried to let her know her attitude was making him nervous and scared. I have attached his XXXX act letter as well as the fact I am being charged {$490.00} annual fee for items no longer available like road trip interruption. They stated it ended before I even signed up. Then the lady lied on me saying we called about Citi Rewards card when it was about the Citi Prestige card and my XXXX poa veteran I have attached proof to prove they are breaking federal, state, & local laws and also denied me falsely telephone communication with my bank with Covid 19 that is the ONLY WAY I can communicate with them. If I can't call them how am I supposed to notify them of fraud or loss or to get any of the benefits that come with this card? 
Also for the record, I never spoke to the agent so I didn't speak in any negative manner it was my POA. Therefore they have violated my privacy rights if they spoke with my POA without my permission or me being present.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was contacted by a scammer through the XXXX account of my friend, XXXX XXXX, which the scammer had gained access too. The scammer even posted a picture of XXXX  personal vehicle that I have seen before in person and familiar with, the day before they contacted me through his personal XXXX account. This made is very believable that the account was still operated by XXXX the intended owner of the account, but now it had been hacked already, but I was not aware. Basically the scammer messages me pretending to be him and then tells me about an investment that hes part of and asks me if Im interested. I worked with XXXX for multiple years at the same job before and he had always been a trustworthy friend so I took his word for us and messaged the account that he referred me to. Although it wasnt him having a conversation with me, it was a scammer that took control of his account coercing me and referring me to a different investment account with thousands of followers. This made it even more believable and the fact that the XXXX was page was filled with personally recorded videos of testimonies of people who apparently have invested money with the account before under the name of XXXX. Long story short the account convinced me to send a total of {$1300.00}, but I finally realized something was really wrong when they asked me to change the email registered to my own personal XXXX account, and on top of that they asked for another additional payment. And that is when I knew I was definitely scammed and I immediately called my bank, Chase, while the XXXX payment was still pending. This all happened on XX/XX/XXXX. I filed a claim with chase and they told me I would get a called back in 3business days and my {$1300.00} would be temporarily refunded to my account. But it turns out a little over a week later, I call the chase hotline number again and I had to find out on my own that my claim was denied. Chase never reached out to me regarding whether my claim was approved or denied, nor was my {$1300.00} refunded to my account. They told me on the phone today that my claim was denied and I would have to contact XXXX directly. I tried to file a claim through XXXX and they told me to handle the situation with chase. I am here filing a claim with consumer finance now because Im not sure how to resolve this situation. I was scammed and it is causing me a lot of financial stress. I fell victim to this scam because the scammer gained access to my frienda personal XXXX account, and that person is someone I worked with and trust a lot. It sucks the banking service that I use, Chase, and XXXX dont want to help me to get my money back when I even contacted them while the payment was still pending and told them to cancel the XXXX transfer.
Consumer complaint received 2022-08-05
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: ADIR INTERNATIONAL LLC (CA)

I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

Barclay 's Uber Visa card states on it's website that : Once earned in your card account, there are two ways to transfer Uber Cash to your Uber account for Uber services. At any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. Once you have accumulated at least {$50.00} Uber Cash on your card account, Uber will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. 

However -- there is no way to " at any time '' transfer uber cash to your uber account. I reached out to support on XX/XX/20 -- -- -- -- -- -- -- -- -- -- -- -- Customer XXXX XXXX via XXXX XXXX XXXX XXXX  Hi Folks, I am having some trouble transferring my rewards to my Uber/UberEats account, even though this card is linked in those accounts. 

The help guide says " at any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. '' What exactly do I click on when I open the app to get the options to " manage your uber credit card rewards ''? Options include : My name, your trips, payment, help, uber rewards, settings. I've tried all of these to no avail -- so if you could provide the exact path, I would appreciate it. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- - Their response : Response Care via EmailXX/XX/2020 XXXX XX/XX/XXXXDear XXXX XXXX : Thank you for contacting us regarding your Uber Credit Card. We can certainly explain regarding the product change on your account. 

Please be advise that automatic redemption is a benefit of the Uber Credit Card and may prompted our system to send an automatic email notification. In line with this, please be informed that once you have accumulated at least {$50.00} Uber Cash on your card account, we will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. 

Please be advise that Riders contact Uber through email only at XXXX and their website at www.uber.com. We appreciate your continued business with us. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have found evidence that other cardholders are experiencing this problem too -- and that even at the {$50.00} " automatic '' threshold, money is not being transferred. See the below references https : XXXX XX/XX/ ( Comment from PhanaticalTraveller )
Consumer complaint received 2022-10-05
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. (IN)

XXXX XXXX XXXX, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by Equifax. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX  has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Consumer complaint received 2020-07-19
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)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details Equifax Mtg Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP (AK)

XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX  XXXX [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. 
We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/XXXX I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/XXXX letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. 
Approximately XX/XX/XXXX I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX  as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX  I signed. Copy of the application I received from XXXX XXXX XXXX is not my application I submitted to XXXX XXXX. On XX/XX/XXXXXX/XX/XXXX second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. 
Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. 
On XX/XX/XXXX letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX  was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX  has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. 
XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXXXX/XX/XXXXI received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
Consumer complaint received 2020-07-21
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

This complaint concerns previous complaints number XXXX and XXXX. 

My attorney spoke to Wells Fargo today and they refused to comply with the requests that we have sent them and which are recorded in the previous complaints listed above. 

I have no choice now but to empty my business account which was previously used from automatic withdrawals for the mortgage. This business account contains PPP and SBA disaster loan funds. I have to move them to another account and risk an accusation of comingling because I fear that Wells Fargo will withdraw the entire forbearance amount all at once. My wife will also have to empty her checking account so that Wells Fargo doesn't make that account overdrawn. 

I am submitting this complaint to memorialize what I've done in case the SBA audits my business account. Wells Fargo should NOT be allowed to make up its own rules. The merely service the loan which is owned by XXXX XXXX.
Consumer complaint received 2017-12-15
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. (AL)

I filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.
Consumer complaint received 2021-04-28
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 am a victim of identity theft and I have been trying to remedy the impact of this on my credit file. I have been submitting documentation in reference to fraudulent account san they are still reporting within my credit file. The accounts stay in " investigation '' for months at a time with no resolution. At this very moment I am unable to dispute or upload supporting documentation as they are currently under dispute. These accounts are fraudulent. The fraudulent accounts are XXXX XXXX in the amount of {$420.00}, XXXX XXXX in the amount of {$370.00}, XXXX XXXX XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2020-07-20
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.