davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

received a letter from Ally Bank on XX/XX/2022 stating i have to make a deposit into the account or it will be closed due to a negative balance of XXXX XXXX The letter stated that I have 10 business days from the date of the letter or my account would be restricted. I set my tax refund from the CA franchise tax board to go into my Ally Bank account. The CA XXXX sent a direct deposit of XXXX $ to my Ally Bank account on XX/XX/XXXX. I contacted Ally bank on the same day to verify that my account would not be restricted so as to not reject the direct deposit. I was assured that my account is fine and it would not reject any deposit that is arriving. I was told it usually takes 3 business days for the account to see a direct deposit and that since the XXXX was a Saturday I should wait for the XXXX business days to pass. on Monday thXXXX XXXX I went on my Ally bank app to see if maybe deposit came early. To my surprise, I saw that my account had been closed. I frantically start contacting the customer service, asking why would they do that to me? i told them a deposit was coming, and it was sent within the time. the first person I talked to assured me that the account was fine and when the deposit comes in they will either reopen it or they will take the amount I owe out of the deposit and send me the remainder of the amount by check. Then I received a notice on the XXXX saying that my account had been closed. The notice also said that the account would still be able to receive deposits in order to cover the negative balance and the remainder would be sent to me in a check. this has caused me soo many problems. i just want to know why they wouldnt tell me " hey your account is going to close tomorrow, the deposit will not go through| '' I was literally told your account is fine. Why couldnt Ally bank just do what they said they will do? Then they send me a letter in the 2nd saying we have removed the restrictions from your account you can now use it again but the notice wasnt true. What kind of bank sends a notice and its not even true. instead of receiving the deposit and sending me the remainder after taking out the negative. They REJECTED the deposit.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There is a hard inquiry on my credit report from XXXX XXXX XXXX which is scheduled to drop off in XX/XX/2022. I am therefore requesting an early exclusion ( deletion ) of this item from my credit report please. This company has a policy that states that persons can request an early exclusion or deletion of an item up to two months before the due deletion date. 
I am therefore asking you please to delete the hard inquiry of XXXX XXXX XXXX from my credit report please.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IL)

I have had this card for over 2 years. Originally I had made a balance transfer and was informed that I had 2 years that I wouldn't be charged interest after one year they charged me all the interest from the balance transfer along with the percentage for the balance transfer for not paying the balance off in 1year. ( I was informed 2 years ). Called in and they basically said nothing could be done we mailed you the terms and conditions. I recently called requested a Supervisor I received a letter saying my Card will be increased even more in Interest. I called customer service and they said basically the cost of living and that Everyone is getting an increase. The supervisor call backs are in odd times where I am not available. I have called to try and work out a payment plan my minimum balance is way too much I am the only income in my home and XXXX ago just got a job I managed to pay my minimum during the pandemic even while unemployed Because my credit is important to me. The company has not worked with me to check about my original balance transfer promo period that charged back all my interest or help with my payments. Please assist me
Consumer complaint received 2022-02-14
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. (AR)

Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.
Consumer complaint received 2022-02-14
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-27
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. (LA)

XX/XX/2022 I submitted a dispute to Equifax through their online system. There are several late payments on my report that have incorrect aging as well as one that should not show a delinquency. Equifax did nothing to research the details of the complain and instead got verification from the finance company that the status they reported ( inaccurate ) matched equifax. 

I submitted another dispute requesting details on the method of verification used and the dispute was closed again with no reference of the proof I submitted of the inaccuracy. Its obvious no real review of the case was conducted. 

XX/XX/2022 I called for details and the phone rep took information and initiated an internal complaint. Nothing happened with this and it was ignored, XX/XX/XXXX on a follow up call it was told to me that the XX/XX/XXXX complaint had no relevant information despite a lengthy discussion and reference to the disregarded documentation provided. Another internal complain was initiated and as of today there has been no resolution. 

We are now over XXXX months past the time of my request and am considering my next options to have this inaccurate account removed from my credit report.
Consumer complaint received 2022-02-13
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. (FL)

Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX XXXX the company closed my account without any warning. I was doing some additional payments with my PayPal balance but a subscription was charged and then the payment didnt went through. I rescheduled the payment as soon as I realized the mistake and then paid with my checking account. It was an additional payment, Ive never missed a payment. By the time I got a letter they have already closed the account.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (AZ)

On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXXXXXX XXXX in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my CARD.COM card, my XXXX XXXX XXXX, my XXXX XXXX my XXXX XXXX and cash ), laptop, etc. were all in the room at the hotel. I was iXXXX at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX. Since I was incarcerated, with NO access to my to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on 3 separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
I originally filed a Transaction Dispute with CARD.com, on their website on XX/XX/XXXX at XXXX. Then on XX/XX/XXXX, I had to add more disputes and send them my arrest report, etc., which I did. CARD.com asked for additional information, which I uploaded on XX/XX/XXXX and XX/XX/XXXX. CARD.com denied my Dispute, so I filed a CFPB Complaint # XXXX on XX/XX/XXXX and they reimbursed me for {$630.00}, but there is still an outstanding balance of {$1000.00}. So, I filed another Complaint # XXXX that they were looking into it and would notify me by mail. CARD.com responded on XX/XX/XXXX : We have reviewed the documentation included in XXXX XXXX complaint and have filed a dispute for the additional XXXX transactions that occurred between XX/XX/XXXX, through XX/XX/XXXX. The claim can take up to 90 days to be resolved. XXXX XXXX will receive documentation regarding this new claim via mail. Should you or XXXX XXXX require any additional information feel free to contact us at ( XXXX ) XXXX. As of XX/XX/XXXX, CARD.com has not contacted me via mail, email or phone. 

On XX/XX/XXXX, I filed a Complaint with the XXXX XXXX XXXX  Complaint # XXXX. To date, CARD.com has not responded. 
I called CARD.com on XX/XX/XXXX, and was informed that my claim was denied because I had this same issue before. Of course Ive had the same issue because its THE SAME ISSUE!!!!
Consumer complaint received 2022-09-30
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. (NY)

I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.
Consumer complaint received 2022-05-27
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, Convergent Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-27
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: STERLING JEWELERS, INC. (AL)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.
Consumer complaint received 2022-02-13
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. (NC)

XX/XX/XXXX I sent a complaint to XXXX, Equifax, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I have not been provided any details nor contacted regarding this debt. Account with original Creditor has already been closed and paid in full prior to debt collection attempts. I have not entered into any further agreements or provided any signature for a contract in validity of this debt.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (PA)

I have attempted to reach out to XXXX to dispute inaccurate information on my credit report that doesn't belong to me. I have provided XXXX with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.
Consumer complaint received 2022-05-26
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-02-12
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: EQUIFAX, INC. (SC)

Someone tried to use my personal information to obtain credit/open an account on XX/XX/2021. I contacted both XXXX XXXX and XXXX XXXX to report this, providing all of the necessary information and placed a fraud alert on my credit record. Neither XXXX or XXXX opened an account, and they identified the inquiry as possibly fraudulent. 
Equifax refuses to remove the hard inquiry on my credit report, even though I did not authorize it. They said that it is a valid inquiry - not if it was fraudulent and not authorized. I want that hard inquiry removed as it has seriously damaged my credit.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (GA)

PayPal refuses to close our account that is paid in full. 
They keep saying " someone '' is using it but it NOT us. 
PayPal refuses to say what is charged, when it happened, or ANY information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (WY)

I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision
Consumer complaint received 2022-02-12
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: GOLDMAN SACHS BANK USA (PA)

Goldman Sachs. XX/XX/XXXX, and XXXX. 2022. Someone tried to take out mortgages in my name. Luckily I put a stop to it. I called them to let them know it was fraudulent.
Consumer complaint received 2022-10-16
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. (NV)

I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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. (GA)

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 Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXXN ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX