davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit thank you
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied for the Amazon Prime credit card, so that me and my spouse ( same household ) would get the advertised 5 % back on Amazon purchases. I got two credit cards, and we are prime members. It turns out Amazon only wants to apply such promotion to the card thats associated to the prime membership owner, and not household members that get the membership through invitation. Their terms and conditions contradict that. As it states there that prime members who receive the membership through invitation would also be eligible. Amazon said it is what it is and wouldnt help resolve this. 
Terms and can be found here. 
https : //www.amazon.com/XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (NJ)

Hello, I am struggling to return/buy out my lease with the amount listed on my contract. Ford will not allow me to trade in the car, my only option is to get another Ford or buy it out, however to purchase the lease it would cost {$3000.00} plus in taxes and fees extra which completely wipes out my equity. When trading in a car you don't have to pay tax. You can not physically trade in your lease for the buyout amount stated on the contract or any other vehicle dealership. You must purchase it from the original dealer and pay taxes and dealer fees, and registration giving a car with equity back to them. They are doing this because the chip shortage brought up the price of used cars. They want you to turn your car in so they can own it at the residual price. These are currently my only options. All of these situations work out in Ford 's favor so I am surprised they have gotten away with such anti consumer practices for so long since most manufacturers allow you to trade in leases anywhere. I spoke to numerous Ford XXXX representatives and they stated that if we traded the car in prior to 120 days we could trade it in or buy it for the amount on our contract. However we are past the 120 days and now we have zero options. No where in our contract does it state anything referring to a 120 day stipulation. This is all a result of Ford changing there process to make profits out of the chip shortage. Leaving the consumer with no other options. I feel trapped as a consumer. We now have to pay additional fees just to buy a car we do not want. This in the end is going to cost us more money. During a recession this is completely a deceitful practice. It is predatory lending to the consumers. The Ford customer service rep acknowledged this predatory behavior but informed us that there was nothing they could do about it.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TN)

In XX/XX/20 ... a convergence of issues arose as to where I was not able to access any electronic device for approximately a six month time frame ... .this is of a personal nature and is beyond the scope of the complaint. A search of my general credit report will show that only ONE account via CHASE bank ever became behind or outstanding due to non-payment. I was under the impression the CHASE acct. was automatically being paid via personal arrangement as were ALL others during this time ... also, easily documented. I have contacted CHASE, brought the acct. current and paid all late fees, as I am surely obligated to do and accept responsibility for. Especially, during these times of a pandemic, it would appear as if perhaps I am being treated rather harshly by CHASE as to their absolute refusal to withdraw the negative reporting, or perhaps modify in some way. I dont think this is the intent behind our financial protection laws. Had I known I was behind, I would have gladly brought this acct. current. The negative reports by CHASE have caused great aggregate harm to my current report and does not accurately portray my consistent past behavior.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MO)

Hello, I opened an account with Chase bank and funded the account making a direct deposit from XXXX XXXX  after that i tried to make a wire transfer and my account was locked i have called several times but they say i need to go in person to a branch to authenticate myself and i have told them i am currently outside US and not able to travel due to COVID-19. I have also requested the direct deposit to be reversed so i can get my money back but they say that is not possible. 
Now i don ; t have access to te account and no way to have it unlocked and my money is stuck there
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 Wells Fargo notified me that they had detected unusual activity on my account. my credit card was used to make an online purchase at guitarcenter.com in the amount of {$1100.00}. The item or items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and signed for by whoever had ordered this item or items ( which is the supposed reason why WF decided this was not fraud ). I didn't realize someone had used my personal info to change my mailing address on XX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never been to XXXX On XX/XX/2019 Wells Fargo shipped a new replacement card to me as requested after trying to make a dispute for the charge of {$1100.00}, however I did not realize it was being shipped to this new address in GA. I did call Wells Fargo to let them know I did not ask for an address change, and to change my address back to my home address ( XXXX XXXX ). They then " cancelled '' the credit card that was originally sent to GA, and sent a new one to my actual address. I went in person to Wells  Fargo on XX/XX/2019, to speak to a manager and to again dispute this outrageous charge, to which they said they could not help me and told me I needed to call XXXX XXXX. I closed my account with them on XX/XX/2019. I received a call from whom I assumed was a creditor representing Wells Fargo saying they would be closing this case. I then began receiving multiple Bills via email and USP mail from Wells Fargo demanding I pay for these charges, and also the interest that had been accumulated for the months following. Since I have refused to pay this debt that is absolutely not mine, my credit score has dropped significantly, and Wells Fargo has been no help at all, though I've attempted to call and speak to different Managers  my issue has fallen on deaf ears. I did file a police report on XX/XX/2019 with SJPD.
Consumer complaint received 2020-07-20
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. (PA)

On multiple occasions ( 4 to 6 times ), both my wife and I have been unable to get copies of our credit reports from Equifax through the website XXXX. After entering our information and answering the security questions, the process always fails with a generic error message " unable to give a credit report at this time. '' We have then restarted the process and then have successfully received credit reports ( through XXXX ) from XXXX  and XXXX. 

But on multiple times and with 2 different individuals ( for my wife, and separately for me ), we have been unable to receive a credit report from Equifax through XXXX, and then have been able to successfully receive credit reports through either XXXX  or XXXX. 

The most recent occasion that this failed was on XX/XX/2020 ( for both me and my wife ), I commented on this problem via feedback at XXXX. They sent me letter indicating I should contact the credit reporting company directly with any difficulties securing a credit report. 

I contacted Equifax by phone and they agreed to send me a copy of my credit report by mail and they would investigate the problem I had. The agent I spoke with had a noticeable accent and there was significant office noise in the background, and the agent had difficulty hearing/understanding me.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Citibank denied a credit car application based on the following : 1.Insufficient credit file for the last 2 years 2.Too many credit application inquiries within the last year. 
3.Credit Card Collections Past Due 4. These reasons dictated via outgoing automated voice transmission. 
5. Incorrect identification information on my report 6. XXXX os the report agency.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

1. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including XXXX XXXX. 

3. At approximately, XXXX XXXX, I received a call from the XXXX XXXX branch in XXXX, Georgia, phone number XXXX XXXX XXXX XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from XXXX XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
Consumer complaint received 2022-02-01
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. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 transunion 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 year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-12-04
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. (FL)

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX EQFX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

US Bank did not apply my payment of {$2400.00} on XX/XX/19. I paid before XX/XX/19 but was still charged a late fee {$86.00}. My current " amount owed '' does not reflect this payment
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have written to XXXX several times as well as to XXXX  and Equifax pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX 11 XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I have tried multiple times since XX/XX/XXXX to reach a real person at Equifax in order to lift a security freeze on my credit report. I was initially blocked from doing so when I tried online and prompted to call Equifax. It is simply impossible to reach them as each time you call you are prompted to enter information on accounts that are impossible to give the right answers to as you are blocked from your credit report in the first place and many of the questions sate from 10 or more years ago. I finally was able to get through to an agent and was told to fax identifying info to Equifax, which I did a week ago and was told it would take 5 to 7 days to lift the freeze and I would get letter by US mail when it happened. A week later and I may lose an apartment to rent because they still have not unlocked my credit report, and I still can not get through to a live person to find out what the delay is. I need them to call me directly to discuss this matter. 

It is totally unacceptable the manner in which they make it impossible to talk to a live agent.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

My wife and I hold a VISA card through our local bank, Eastern Bank ( where we have checking and savings accounts, a car loan, and business accounts ), furnished by Elan Financial Services. A payment was due on XX/XX/2020, and we missed that payment date, only after contacting Elan, via the number on the back of our card, a month earlier letting them know that COVID-19 had affected our ability to make the minimum monthly payment on-time. We were told that there would be enough time to make payments and that no late fees or credit reporting would happen if we were late. They then had the audacity to charge us a {$40.00} late fee on XX/XX/2020, the day the payment became due. Just 12 days later, on XX/XX/2020, I went online and made a large payment of {$680.00} ( way beyond the minimum due on XXXX ) to make up for the missed payment, once we were able to get a little money together and pull cash from our savings to make the payment in good faith that the late payment would be reported. I have recently learned, through my credit monitoring account with XXXX, that Elan reported the missed payment date and effectively dropped my credit score by 44 points. I disputed the reporting, but XXXX  was unable to overturn the reporting because Elan told them it was valid. I am beyond frustrated by Elan taking advantage of its customers and will be sending this complaint to Senator XXXX ( XXXXXXXX ), because I think she would love to hear about this story as well. This is one predatory company that should be investigated.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MI)

Fraudulent account opened in my name in XXXX of XXXX. I have been disputing this since XXXX when I found out about the account. I have sent police report, Identity Theft Affidavit and multiple demand letters requesting proof of ownership. All have gone ignored. I sent a cease and desist on XX/XX/XXXX to stop the harassing phone calls, emails and mail being sent to me in an attempt to collect on this fraudulent account. This was received by them on XX/XX/XXXX, however, a statement was then mailed on XX/XX/XXXX and more phone calls. A direct violation of the Cease and desist. They have also violated my rights under FCRA by ignoring my request for proof of ownership of debt. I am beginning the paperwork to file a lawsuit against this company for harassment and violation of rights under the Fair Credit Reporting Act. They have also added this account back to my XXXX Credit report after it was removed dropping my credit score dramatically. Added additional fees and continued collection attempts.
Consumer complaint received 2020-12-04
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. (WA)

on XX/XX/20 I sent Equifax a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XXXX/XXXX/20. Equifax is still reporting these accounts on my credit report. even after 30 days and no verification or reply.