davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CA)

I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home
Consumer complaint received 2021-01-05
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. (NC)

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.
Consumer complaint received 2021-01-05
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. (AZ)

In the month of XXXX Equifax dropped customers credit score by 40 points. The reason given was no change in status. Please have someone look into this I have called the company with no results. I have spoken to 10 other people who credit scores range in the XXXX 's and are now in the XXXX 's. And there was no change in their status as to why that occurred other than from time to time we change our algorithms. 
Totally unacceptable. We are maintaining a good payment history and we are being penalized for no reason. Please look into this.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

At XXXXXXXX XXXX on XX/XX/XXXX I received a text message asking me to contact them regarding a debt collection. It was not a normal text message. It was sort of a picture message. It said contact MRS Assoc. Regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. MRS is a debt collector. If XXXX is associated with XXXX XXXX then I am very confused. I dont have XXXX XXXX. I called the first time, prompted for customer service, waited forever, then a robo told me to call back during regular business hours. This was at XXXXXXXX XXXX ( Regular business hours ). So I called right back and prompted to make payment in hopes it would actually connect me with someone. When she got on the phone I explained I received this text about debt collection. She asked if anybody else regularly uses my phone. I said no. She then said something along the lines of, it appears to be a mistake and that she is sorry for the confusion and then she rambled some number off then hung up. Seeing as I didn't give ANY personal information other than my first name it seemed super sketchy she said what she did and just hung up. The way I received the message was weird. Everything about this interaction and situation was really weird and made me uneasy. If this is a legit company I would like an explanation of what is going on, and why I was contacted in the first place.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OK)

Every single year Seterus tries to create an insurance policy on my property claiming the policy I have in place was not paid. The policy they put into place " on my behalf '' is, of course, a much higher premium. I believe this practice to be fraudulent.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MN)

I have a previous address listed on my credit report that do n't belong to me. The following previous address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Consumer complaint received 2021-01-04
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. (AL)

A request to remove incorrect late payments on XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (GA)

Hello, Happy XX/XX/XXXX ... ..on XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Consumer complaint received 2021-01-04
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. (NY)

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Consumer complaint received 2021-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (SD)

In XX/XX/XXXX i sent a check for insurance repairs to Flagship Credit as I was unable to make the repairs due to Covid pandemic and I was unable to make my payments as i had lost hours and my husband had as well. I sent the check with the instructions to catch up my account and put the remaining balance towards my principle. When i called to verify they had received my request and my check, the agent informed me that they had received it but could not do as i asked as the check was expired. They stated to contact my insurance company to reissue the check and then they would proceed with my request. They granted me an extension. In XXXX they called stating i was behind. I explained the situation and that i was working to get a new check. I made a payment on XX/XX/XXXX for my XXXX payment. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days. Once i was home and more aware, I contacted my insurance company and they advised that Flagship had cashed the check on XX/XX/XXXX. I contacted Flagship and advised them of the information. I began making my payments again on XX/XX/XXXX and have made a payment every month since. It took Flagship until XX/XX/XXXX to apply the check to my account. They had been reporting me as delinquent since XXXX. I spoke with an agent and advised of the situation. She stated they could not apply the check to my past due balance. I told her that i was told it would be taken care of when i sent in my new check but in actuality they had cashed my check and held on to my money without ever applying it to my account or informing me that they had cashed it. I have asked several times to speak to a manager. I have spoken to agents each month and advised that i am not delinquent as they had the money but refused to apply it to my account. I have been told that it would be sent up to a manager and fixed and it is still not fixed. They have reported me delinquent every month. On XX/XX/XXXX i received a letter stating they would repossess my car if the delinquent balance was not paid by XX/XX/XXXX. I have made my payment every month except XXXX when i XXXX XXXX XXXX. I am not paying the delinquent amount when they held a check for {$5000.00} for 4 months. I have tried to explain the situation. I have disputed with the credit bureau.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Dear administration, From my last complaint not go so long time, however, - 1XXXX  credit agency add to my credit report 26 poins without any rerason XXXX/XXXX/2020 2.My question to them do not bring me any result. 
3.After my question one lady me and offer me eat her XXXX 
My credit report used person from credit report agency! 
Please stop this fraud, please stop this harassments ' Please stop this humiliations .... 

Add just because you are man and do not want do what we like you do .... 

I do understand the laws is not working now, but i sure this is for short time and laws will start working again, and definitely I will call to sheriff department about humiliations, harassments, Genger descrimination, place of the birth discrimination, place of country where from you arrival discrimination ... 

I can let you use two days for decision this all questions, after that I will go to court. 
For my opinion it is enoghh time already given for this decision, 1.Start offer me loan and after add this to my report. 
2.My previous complain do not bring me any result, questions is ignored, not answering.

3.Anybody can request a loan use yourt personal date.

4.Credit agency use my personal informational.

5.Credit agency do not let me log in, the reason my password not right, send me a link, ok, new password, ok can use any time when they need add something there.

Best regards, XXXX
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (OR)

Writer provided {$5000.00} check for services rendered. Check was mobile deposited by receiver. During mobile deposit process, Wells Fargo improperly transcribed the account number and tried to withdraw the funds from the incorrect account. The withdrawal failed and the check was deemed as NSF. The writers bank, XXXX XXXX, noticed the mistake and corrected it and continued to send the {$5000.00} to Wells Fargo after Wells Fargo had already bounced the check. I received a charge back for a bounced check, but the writer has {$5000.00} withdrawn from his account and it has not been returned. I have filed multiple cases and complaints with Wells Fargo and they have not been able to locate the funds. I have been in contact with Wells Fargo for three months now and have had claims out for two months and they have barely been in contact with me and have not done anything to locate the funds. XXXX XXXX bank has accepted no responsibility for improperly sending funds that were not expected, and will not cooperate in helping to contact Wells Fargo and locate the funds.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Transunion here are the detail of the hard pull inquiries which were not authorized : 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 2021-01-04
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. (NY)

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-04
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: CITIBANK, N.A. (PA)

On XX/XX/2020 I received an inquiry from Macys which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest Macys
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Comerica (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2020 Comerica XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Checking Bonus Offer To Whom it May Concern : On XX/XX/2020, I applied online for a Checking account at Comerica Bank ( the Bank ) in response to an offer to Earn {$200.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times to request payment. As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$200.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-10-03
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. (TX)

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-31
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. (OH)

Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic Shutdown I was effected financially.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have made countless requests to have this outdated account removed from XXXX XXXX Account number : XXXX my credit report. I have NEVER received a response from Equifax. This is a closed account as of XX/XX/XXXX, which stays on your credit report for up to 10 years since the date of the last activity. The Date of Last Activity is XX/XX/XXXX. ( see screenshots ) Negative information such as late payments or collections generally stays on your Equifax credit report for up to 7 years from the date of first delinquency. Equifax seems to keep updating this account as if this is current information. As of today, this account is 15 years and 5 months old. The Status date : XX/XX/XXXX is ( incorrect information being reported ) which will be impossible. I was XXXX XXXX XXXX XXXX XXXX. I lost all my cars and houses in XXXX. Equifax has not properly investigated the account. I want this old outdated account removed immediately from my credit file. I would like an updated copy of my credit report to reflect the deleted information.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (AZ)

I received a collection letter in the mail about a medical debt/charge that I have no recollection or knowledge of the service occuring. The creditor name is XXXX XXXX XXXX XXXX, the creditor account # is XXXX and the service date was on XX/XX/XXXX with a balance of {$2600.00}. I've never been to a XXXX XXXX XXXX XXXX, I haven't lived in XXXX since XXXX and I've been residing in XXXX since XX/XX/XXXX. Somehow there a charge and outstanding balance tied to my name and I think somebody has stolen my identity and use my credentialsfor this medical service and I do not want to be responsible for it.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hello CFPB, I am writing to you because I have not received any satisfactory resolution from CoinBase for 3 months. 

I currently have around XXXX in funds which have been 'locked ' on CoinBase with no explanation. All of my account information has been verified and there are no informed locks on my account. 

For the last 3 months, CoinBase have not co-operated in finding a solution to this issue.

I have contacted CoinBase many times regarding this on multiple different platforms. All of my support cases get ignored, closed down as completed without response or I am provided with answers which provide no solution.

I can see from CoinBase support pages that there are thousands of new cases being created of a similar nature every day, on support pages such as XXXX.XXXXXXXXXXXXXXXXCoinBase. 

It is an incredibly frustrating situation and I do not know how I am going to get this resolved without contacting an organisation such as yourself. 

I believe that this needs urgent investigation, not only for my XXXX  but for other business and individuals falling victim to CoinBase 's non-existent support and in-turn suffering significant financial implications. 

My business has had to take out a XXXX loan to cover the money that has been locked on the business account. My business has also had to cover significant 'Exchange Fees ' to convert the Bitcoin to XXXX to prevent unwanted fluctuations in the value. 

Here is a list of the cases that I have created with CoinBase 's support system. I have received responses on very few of these case ID 's and none of the responses have resolved my issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX, XXXX XXXX
Consumer complaint received 2022-08-04
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. (LA)

I did not giving Equifax consent to furnish accounts on my consumer report, Equifax is invading my right to privacy, and they are not adhering to 15 USC 1681a ( 3 & 4 ) and 15USC 1681B2.
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

I have asked Sallie Mae Student Loans to repeatedly not call my place of employment. On XXXX/XXXX/2015 a representative identifying herself as XXXX XXXX called approx. XXXX XXXX in an attempt to collect student loan debt. As I work in a XXXX, and have no direct extension, this interrupts business operations in the XXXX.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I tried to resolve the issue with Jcp MasterCard several times via phone, to no avail. I got a cash advance charge to my credit account on : XXXX & XXXX. Due to XXXX XXXX purchases that were made using the card. I immediately disputed the charge because I never took any cash advance. Once I got the paperwork From JCP it appears that this is a standard policy. One of which I was never made aware. 


I had no idea a XXXX  would lead to these fees & never agreed to pay a cash advance fee for such transaction. XXXX gives a warning of the 3 % fee prior to submitting each one. I have no issues with that fee. I use XXXX all the time with my other major credit cards & have never had this issue. These instances happened when i was Waiting on a replacement visa card that I use daily Theres normally a 3 % fee for the transactions on XXXX & thats it. Again, I have no issue there. XXXX is fairly new & if JCPs terms were changed, consumers should have been given notice ASAP. 


I do not believe these fees are fair, nor can i afford to pay them. Ive had an excellent payment history & never made any cash as advances in the past. This can be verified.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.