davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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)

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX/ Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-26
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

I am a victim of identity theft. I have tried to explain to the consumers that I have been having issues with the theft reporting and the Data Breaches I have been involved with from XXXX and XXXX.
Consumer complaint received 2022-07-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

On XX/XX/2022, I received a letter from servicer US Bank offering help ( mortgage modification to be specific ) see attachment. 
On XX/XX/2022, I called US Bank and responded to the offer for help. 
The representative stated US Bank would send me a Mortgage Assistance Application within 5 business days. 
As of today, XX/XX/2022, I have not received the Mortgage Assistance Application promised by US Bank.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (GA)

About XXXX XXXX XXXX XXXX XXXX I had a dilemna with Citibank about checking accounts. They were originally asked to close these accounts once they refunded all of my money back to me. However, they have kept one open and charging me stating that I owe them {$20.00}. I recently received a letter stating if I did not pay this {$20.00}, they would close this account ( they already should have done this ) and would negatively report me to the banking credit unions that I still owe them money from a closed account. 
I have been fed up with Citibank and here they are again. I sent them this {$20.00} in a money order to an address they originally provided on a letter, and they returned it to me saying it was the wrong address. I sent it to the address on the second letter and they returned it back to me ( money order ) today saying they already closed account, but the letter had an array of numbers for me to call. 
The bottom line here is that Citibank should not be reporting me to any institution because they should have already closed this account as instructed months ago. 
I have attached a copy of the letter received today with the money order.
Consumer complaint received 2022-07-12
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. (NC)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

I called the loan provider ( Ed financial ) at the end of XXXX to get a refund for the student loan I paid off during covid. I was quoted 150 days. My brother-in-law went through his loan provider ( XXXX XXXX ) on the same day as me to complete the same process of getting a refund. He had reached out to his provider at the end of XXXX, they were able to cancel the initial submission and redo it, and his account balance was brought back to the pre-paid balance two days later. I called Ed financial to see if we could do that to get my refund so I can submit my application for forgiveness and was told no. They dont have any update on the process and they cant do what I want them to. My brother-in-law called his provider yesterday because the dollar amount was not above XXXX XXXX, and today the new balance is reflected.
Consumer complaint received 2022-07-12
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: CITIBANK, N.A. (CA)

In XXXX of XXXX  I made an on-line request of citi Bank for a credit line increase for my Costco XXXX card XXXX I did not authorize a credit check. 
I received a written response ( attached ) denying my request, in part because I had not authorized a credit check. 
However, I discovered that citi nevertheless had conducted a hard inquiry. I wrote citi on XX/XX/2022 requesting that they remove the inquiry from my credit record ( letter attached ). 
I received a written response dated XX/XX/2022 ( attached ) with the dubious statement that citi was unable to locate the inquiry. I responded with a printout from XXXX showing the XX/XX/2022 inquiry ( attached ). 
citi responded with a letter on XX/XX/2022 ( attached ) that they were unable to remove the inquiry from my credit report. While my credit limit was increased as a result of the inquiry, my XXXX score has decreased because my amount of new credit is " XXXX '', in part due to the XXXX XXXX  inquiry. It is the only inquiry on my report this year. 
I had requested a similar increase for a XXXX XXXX credit card. When I was asked whether I authorized a credit check, I declined. XXXX XXXX did not increase my credit line and did not conduct an inquiry. My XXXX XXXX banker explained that he has indeed removed unauthorized inquiries for his customers.
Consumer complaint received 2021-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

ON XX/XX/2007 I SIGNED A STUDENT LOAN CONTRACT FOR MY DAUGHTER XXXX XXXX TO ATTEND COLLEGE. IT SPECIFICALLY STATES ON THE CONTRACT THAT ANY DISBURSEMENTS ARE TO BE SENT TO ME FOR MY SIGNATURE. I HAVE NEVER RECEIVED ANY DISBURSEMENTS TO APPROVE. I HAVE CONTINUALLY ASKED FOR THESE APPROVALS TO BE SENT TO ME. THEY WILL NOT SEND, BECAUSE THEY WERE FRAUDULENTY APPROVED BY THE DAUGHTER. ON MY CREDIT REPORT HER ADDRESS WAS LISTED AS I LIVED THERE AT HER HOUSE, WHICH I NEVER DID, AS I WAS RECEIVING MAIL THERE. THE APPROVALS WERE BEING SENT TO HER E-MAIL ACCOUNT, AND SHE WAS E-SIGNATUREING HIS NAME. ALL WE WANT IS COPIES WHERE THEY WERE APPROVED BY ME. THEY REFUSE TO DO THIS.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I've previously reported to Chase 2 unauthorized transactions on my account : XX/XX/2022 {$120.00} XX/XX/2022 {$110.00} Total : {$230.00} Chase is refusing to reimburse me for these fraudulent transactions in violation of federal law.
Consumer complaint received 2019-12-05
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. (IL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Our business was broken into. A check was found by the perpetrator on a desk. The check was made payable to the XXXX XXXX XXXXXXXX Watershed Management. Over front of the check the word VOID was written. The check was taken to Wells Fargo bank where it was cashed. We contacted our bank XXXX and completed all paperwork including an Affidavit of Fraudulent Activity on XX/XX/2022. XXXX claims they contacted Wells Fargo in XXXX and made a subsequent escalation attempt on XX/XX/XXXX. 

XXXX will not credit our funds until Wells Fargo responds to the claim and it is 150 days since Wells Fargo was informed of the issue. XXXX states that Wells Fargo has no time limit on researching and reviewing the claim.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (CA)

I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that Vance & Huffman would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

For the past 60 days, I have received telemarketing calls ( 90 % of calls appear as 'Scam Likely..with XXXX XXXX .... ) on behalf of Discover Credit Card ( which I don't have ) Chase and Visa to qualify for 0 % promotion. I initially blocked the calls, but all the phone # s are similar and on average I receive 20 calls/day. When I have chosen to speak with someone ( option # 1 ) to request my phone # to be removed, they either agree to do so, or hang up on me. Then will call back. Most recently, I received a call from XXXX XXXX XXXX ( which is similar to my cell # ). When I called it back, I reached Asst. Atty XXXX XXXX who advised this was her personal ph #. Her advice was for me to file a complaint with the FBI in my local area. She provided the contact # and I called. Was advised to file an IC3 complaint.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

I contacted by phone customer service and tried to get general account information. I sent in my Identification card as proof of verification. I was still not granted account information. I need to check general account information when I call. I in addition have basic questions.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

This company states I owe XXXX {$170.00} which is due in full. I have never received a bill for this amount, an accounting of this amount or anything from XXXX whatsoever that says I owe them this sum of money, in fact I currently have service with them now and owe them nothing. In fact, I have a credit of XXXX. This collection is also time barred in the state of Pennsylvania ( 42 Pa. C.S. 5525 ( a ) ).
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (NC)

The company is XXXX XXXX Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue for months. They continue to call me on different numbers so I can not block them. See attachments
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me a notification that my payroll was posted early ( Wednesday ) instead of Friday. I received an email from them on Wednesday stating my direct deposit was available in my account but when I checked my daily balance the funds were still in pending status as of Friday morning. 

This is deceptive and an unfair business practice.
Consumer complaint received 2021-08-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC (AZ)

On XX/XX/XXXX I inquired about a cash out refinance with Strong Home Mortgage , LLC. We were assigned a Loan Officer, XXXX XXXX. On XXXX I was completing the assigned documents when I came across a forbearance disclosure form. I contacted XXXX via email and let her know I was currently in a forbearance with the date it was initiated and its expiration. She advised me that we had met the parameters of the refinance with no concern of the forbearance start date ( less than 210 days after the loans first payment ). I followed through with each of the requirements including obtaining a wholesale membership they requested, a home appraisal and termite inspection all at my expense. I was continually reassured that we met the 210 day or 6 payments required by VA. Our closing date has come and gone and I was made aware that we in fact did not meet that requirement and must wait an additional 210 days from the date our first payment was made after the forbearance end date. I've invested time, money and now sacrificed a credit score due to the false claims made by the Strong Home Mortgage loan officer. I have made contact with a superior in the company who seems to be diverting the issue rather than resolving my concerns.
Consumer complaint received 2021-08-26
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. (MO)

Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You can not continue to violate my consumer rights! 

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (AZ)

The list of inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the inquiries listed below : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: AMERIS BANCORP (FL)

On XX/XX/XXXX, I asked my son to deposit a check for {$7900.00}. into my bank. By error he depostied it into his bank, Ameris Bank. On his way home, realizing his mistake he called Ameris. He was told as soon as they empty the ATM, they would call him and he could retrieve the check. Later the same day, he called back and was told the check was destroyed. I went to Ameris Bank on XX/XX/XXXX and was told by XXXX that my check had been destroyed, no copy or photo was available. I have a copy that the ATM made and clearly the check is made out to me. I want me check back. In XXXX I filed a complaint with Ameris Bank and have heard nothing.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have tryed to contact this company ( Coinbase ) over 65 times, you can not contact them by phone only email, they will not let me access my account, and they will not send me security codes to my phone .WE have gone back and forth with this company for 5 months, they are such a scam artist company,,, what kind of company has no live customer phone service?, that should have been my 1 st clue that they were fraudulent, i have contact New york State banking commission , and other agencys, i will serve them with acompliant if you cant help me. I transfered {$1000.00} back in XX/XX/2021 to them, and its been a nightmare ever since. I will contact my bank to see if there any recourse., but im sure they wont be able to, ,please forward this case to any other agencies thyat you think might be able to help me
Consumer complaint received 2021-08-26
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. (MD)

i had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

I would like to dispute the debt that XXXX XXXX XXXX XXXX XXXX has on my credit report. From what I remember I went to the XXXX  XXXX, filled out the information for XXXX sat in the waiting room for XXXX hours and I overheard that they would probably not have time to get to everyone. After hearing that I left the hospital and to my surprise I receive a bill for services that I never received. They did absolutely nothing for me except allow me to wait in their waiting room and suffer. I wound up going to a walk-in clinic the next day and they helped me there.
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XXXX of 2019 I opened an account with First Premiere, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.
Consumer complaint received 2022-10-01
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: Early Warning Services, LLC (TX)

Multiple fraudulent XXXX XXXX XXXXXXXX inquiries on my credit report I have never applied for a XXXX XXXX XXXX checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called XXXX XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a XXXX XXXX XXXXXXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with XXXX XXXXXXXX XXXX.