davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (SC)

For some reason, I was unable to log in with my password and tried to reset the password, but when I try to continue with the 2-step verification, another phone number appears that does not belong to me. It seems that my password and other information have been changed, also I tried to contact them in customer service where they told me that my account had no money and to proceed to delete it and create another, not being able to recover the amount of {$1200.00} this was on Saturday XXXX around from XXXX XXXX  thank you.
Consumer complaint received 2022-10-15
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: Synovus Bank (FL)

In accordance with the fair credit reporting act FirstProgress # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Action 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open/closed end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2018-12-24
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. (SC)

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, XXXX, and Equifax, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IA)

I was out of town for a few weeks. When i returned home i was supposed to have a new debit card. I did not. So i looked for the tracking and it showed it was delivered and set beside my apartment door to my. It was not there. There were nothing by my door. I called how much that costs to redo all of those. It costs not even close to my budget. I then contacted wells fargo fraud department. They were the rude, disrespectful, made fun of me and told me to forget it. I was mortified and just sat on my Couch and cried because they wouldnt help me. That money was all i had to pay my bills including rent. Can somslne please try to get my money back? I have hardly anything. I barely have food in my cupboards because i expected to get my money back. Please help me.
Consumer complaint received 2022-04-19
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: FC HoldCo LLC (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
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: Westlake Services, LLC (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit
Consumer complaint received 2022-10-15
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-24
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: DISCOVER BANK (NC)

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and DISCOVER is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and DISCOVER FINANCIAL has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give DISCOVER nor XXXX written permission to furnish this account. 

Account Number # XXXX
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Accounts : XXXX XXXX XXXXXXXX {$360.00} RXXXX XXXX CORP-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX National Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Specialty - Shoe, Hat, Etc. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit card and XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records
Consumer complaint received 2019-07-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (VA)

Repeated harassing phone calls from Sallie Mae to pay a student loan debt that my daughter is paying ( barely, as it is a large monthly percentage of her salaried income ). It is true that she is close to default but she keeps paying in order to be not in default. I am a co-signer so I receive harassing calls all the time as well. She has tried to set up an alternative relief plan but we were denied because we somehow " make too much money '' despite both being barely able to afford this. The most egregious of the phone harassment offenses comes when they call my physical NEIGHBORS. They do a phone lookup of the homes that are on my street and call all those people asking to speak to me or my daughter. Now my neighbors all know my daughter and I are having trouble paying her student loan back. This is a violation of the Privacy Act and it is completely unacceptable. Sallie Mae must be prosecuted for this, cease all such activity, and stop harassing me. We will continue to pay our loan debt as best we can to avoid default.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I have presented Suntrust promotion bonus {$200.00} and {$500.00} to the banker who opened two brand new checking accounts ( one business checking account and one personal checking account ) as the new accounts conditions. By the end of XX/XX/XXXX I have completed business checking account promotion requirements : accumulated deposit {$1500.00}. However until now XX/XX/XXXX under my numerous times requests, Suntrust never paid {$200.00} bonus plus penalty. Since XX/XX/XXXX I have sent {$5000.00} per month request for money to the debtor such as XXXX XXXX XXXX county Maryland, U.S. Department of Health and Human Services, IRS etc to collect debt by using XXXX - the electronic funds transfer. I kept requesting money from XXXX to XX/XX/XXXX every month. Except for this, I also sent several emails to Suntrust and other financial institutions such as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX to return my stolen funds {$9800.00} plus all fees from XXXX XXXX  XXXX and {$68000.00} plus all fees from XXXX XXXX XXXX as well as additional stolen funds {$750.00} plus fees from a third party company. Please see my previous CFPB Complaints. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have visited Suntrust Bank three times in person to demand promotion bonus {$700.00} plus penalty for illegally withdrawal client funds {$20.00} for six times. Under my numerous times requests, {$700.00} bonus and penalty for illegally withdrawal client funds {$20.00} ( six times ) never paid. The other issues such as mobile deposit can't be used. Therefore I am asking Suntrust to pay all listed above immediately. Please contact me for attachment.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MD)

XXXX is only getting one of the two accounts being reported by Elan Financial Services ( US Bank ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with XXXX because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called XXXX and Elan Financial Services today regarding this issue around XXXX on XX/XX/2022. XXXX said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. Elan Financial Services told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( XXXX, XXXX, and XXXX ). 

No further attempt of assistance was provided by Elan Financial Services when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX  XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error
Consumer complaint received 2022-09-30
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this matter immediately. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2021-11-30
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (MO)

I received a letter from Debt Recovery Solutions , LLC regarding {$3500.00} owed to XXXX XXXX, XXXX. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims. 

False claim by : Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
Consumer complaint received 2021-12-19
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2021 I got an email from XXXX stating that I could apply to an Apple Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by Apple. They refuse to do so. 
This is misleading advertising.
Consumer complaint received 2021-11-30
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-12
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: T.S. Holdings (CA)

I disputed IQ Data International " XXXX XXXX XXXX CA '' with XXXX, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both IQ and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Consumer complaint received 2022-10-15
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. (GA)

As i have looked at my report for years i continue to see incorrect information on my credit. This misrepresentaion has caused my family and I to be denied credit from multiple institutions. Equifax which is widely known for there bad business practices continually gets away with not being held accountable by the CFPB or any other agency that should protect the rights of consumers. 

Again this account should be removed immediately from my file. I have sent several disputes to Equifax without any results of what I have asked for. If the CFPB is not going to hold the credit bureaus accountable, why does it exist? 

Please review the incorrect information amd remove this account immediately.
Consumer complaint received 2022-04-19
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: JPMORGAN CHASE & CO. (NV)

I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.