davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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)

When I checked my credit record, I discovered a lot billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX days earlier. Below is the list of the disputed accounts. 
XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. I previously requested that you remove send me with copies of proof of verification or the results of your investigation to support your claims that the disputed accounts are indeed investigated or verified. Without these documents, immediate correction of the disputed accounts are expected.
Consumer complaint received 2022-06-09
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: CRESCO CAPITAL INC. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-08-02
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. (NJ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal is making it impossible to close accounts. XX/XX/2022 I contacted them after exhausting all other options through their website and app. After going back and forth with their rep I was told there were technical issues preventing them from closing the account and would be emailed shortly when they resolve the issue. Contacted them again about closing the account on XX/XX/2022 and spoke briefly with a rep who after a short while transferred me to their concerned department, who then promptly told me Im the victim of an update that is preventing them from closing my account. This is clearly their way of slowing the flood of people who wish to boycott their company and protect their reportable account numbers.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

I opened an online account with Discover Bank on approximately XX/XX/XXXX. The promotion I signed up for included a bonus of {$150.00} for an account deposit of {$15000.00}. I made the deposit for that amount. Three days after I opened the account, Discover restricted my access to the account stating, suspected fraud. I contacted them immediately and they told me they could not disclose any information. A few days later, I tried again with the same results. They told me I would receive a letter of explanation, but the letter told me nothing. They told me that my money would be returned in 60 days, however, they said that the bonus and interest would most likely not be paid to me. I would like my deposit returned immediately, along with my bonus and interest.
Consumer complaint received 2021-08-04
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: BARCLAYS BANK DELAWARE (NJ)

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-22
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (AZ)

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that Barclays Bank Delaware is attempting to collect a debt from I the consumer makes Barclays Bank Delaware guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Consumer complaint received 2022-12-22
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File as soon as possible.
Consumer complaint received 2022-12-22
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: Certegy Holdings, LLC (TN)

I am not sure this is the right category to file this under and please correct it if wrong. 
I went to XXXX on XX/XX/XXXX to buy my son a XXXX present. I wrote a check in the amount of {$170.00} The cashier ran it thru the check approval system and it was DECLINED. I said please run it thru again as the is impossible. I have over {$5000.00} in my checking account and a credit score of XXXX and have never had a check declined in my life It was declined again and I was given a printout about why. It was a company called CERTEGY. I was embarrassed and humiliated by this episode in front of all in line. 
I called the number given but could not talk to a real person only an automated system which when given the information only confirmed the denial with no appeal and it was final. I write checks all the time with no problem and now can not get answers. I have called and called and the same thing happens Only reason given on the paper was code 2 which is ridiculous as it states Certegy Deny Code 2 Lack of History Deny Code 2 is the most common reason for a merchant to deny a check. This code is less an indicator of fraudulent activity from the check-writer and has more to do with potential risks from the merchant in the past and other locations nearby. 

The most common reason this code gets triggered is when a writer has little to no history of writing checks or the behavior is out of the ordinary. If you dont use checks normally and decide to use one to pay for a new expensive item, this code may pop up due to its abnormality, though specifics are not released. 

I have wrote checks since XXXX and have had my present account for over 20 years and write checks all the time. There is no reason for this I went to my bank and asked if there was a problem there and they were incredulous. I filed a complaint with XXXX and XXXX. I have faxed Certegy many times now and no one is responding to my complaint and why this has happened as there is no way this should have occurred.

I saw many complaints online against Certegy for this same issue. This needs to be stopped and this company shut down. I want an apology from both them and XXXX  and this issue resolved and assurances that this will never happen again.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have previously banked with Chase Bank, and had both a personal account and a business account. I currently still have a personal account. 

This company has taken over XXXX in fees within all of my accounts since Covid. Overdraft fees and monthly service fees. I have tried on numerous occasions to get fees waived. The results are they remove such a small amount or don't do anything at all and state it's past their approval limits. 

I finally gave up when my accounts were overdrawn primarily due to the fees i have consumed and I couldn't maintain my account due to the excessive fees I've owed.
Consumer complaint received 2022-12-22
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. (IL)

equifax is full of drap saying all my inquirys are legimate first off XXXX  is fraudulent i never applied for credit with them and dont have card from them so should be deleted and XXXX i have only 2 cards with them so 2 are good and 2 are false andshould be deleted XXXX is god and can remain
Consumer complaint received 2022-08-02
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 XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

I received a phone call from XXXX and he said that he was with Chase Fraud department and they were calling regarding a potential fraud charge on my account. He said it was for {$2200.00} from XXXX and it was being charged from NC. He told me the last four of my credit card account. I couldn't remember having a Chase card, so I went to login and I saw the account was closed and the last payment was XX/XX/XXXX. The scary part is he told me the exact amount of my last payment. He asked me if I had possession of my card and asked if I was the only authorized user. I told him I had to call my husband. He told me to call him back directly at XXXX extension XXXX, I thought he said his name was XXXX XXXX but it was garbled. I called Chase directly and confirmed my account was closed and they told me that is how scammers work and they would never call me from a local number. Chase told me to block the number and do not give the guy any more information. A few minutes after I hung up I got a call from XXXX and it was the same guy he asked if I spoke with my husband, I hung up on him and blocked him. he then called me from XXXX after I answered and heard his voice I hung up and blocked him. This happened today XX/XX/XXXX first call was at XXXX and was 8 minutes long, then XXXX and XXXX.
Consumer complaint received 2022-06-09
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Home equity loan as of XX/XX/2006 I owed : {$66000.00} My monthly payments : {$360.00} Made payments for 15 years and the Loan balance has not gone down.

Interest rate locked at XXXX XXXX All payments seemed to only be credited to interest and none to principle. 
Outstanding loan balance has not changed. 
I have paid over {$52000.00} in payments and none was applied to paying down the loan. 
All payments seemed to only apply to interest. 
VERY FRUSTRATING and UNFAIR. 

During Covid LOST JOB and could not make payments. 
Now they want to foreclose on my XXXX XXXX property.
Consumer complaint received 2022-10-23
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: Sunbit, Inc. (NV)

XXXX INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH XXXX  XXXX  XXXX  TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXXSUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} SUNBIT, INC XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 0 Remarks -- Creditor Name SUNBIT, INC Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} XXXX/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information XXXX XXXX Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last XXXX  years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/SUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct ? 
If not, you can report an inaccuracy.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Celsius US Holding LLC ()

Celsius has been claiming for years to be solvent. Even 24 hours before they froze withdrawals XXXX XXXX told ( CEO ) told, in an XXXX video, that everything was ok. The company said numerous of times during the last 12 months that the company had all the funds to cover the creditors and depitors if a bank run would occur on the company. 

On XXXX the XXXX XXXX The company decided to halt withdrawals without a warning. On XX/XX/2022 the company filed for XXXX XXXX bankruptcy. I have some XXXX $ in XXXX and some Celsius tokens, which is worth around XXXX XXXX so i only have a small amount, but many people lost everything. 

Celsius claimed to be " not a bank '', but in theory it operated like a bank and a hedge fund. They borrowed the customers money and assets and they were lending it out to other users or institutions. 

Things that should be investigated : 1 ) how the company operated as an unregistred hedge fund. 
2 ) XXXX XXXX told users he wasn't selling any Celsius token ( the native token on the platform ) despite selling for millions of USD even on the same week as he told customers otherwise. 
3 ) whether or not Celsius was a ponzi scheme all along, since the company had a massive deficit which grew larger. Many customers question whether Celsius even was profitable at any point. 
4 ) whether the new terms of agreement ( shortly before filing for bankruptcy ) applies, when their webpage tells other information eq : the webpage told it was lur crypto, but the terms of agreement stated Celsius owned the assets.