davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (IA)

I sent a dispute letter Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.
Consumer complaint received 2019-05-09
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. (NC)

in late XXXX i took out a visa credit card from XXXX ( thru XXXX XXXX. ). sometime around XXXX and XXXX of XXXX the card was used by XXXX XXXX three times, two weeks apart. i have never been a member of XXXX ... we also moved our residence in late XXXX of XXXX to our new home. we did not receive mail from old address ... i did not see the problem until XXXX of this year when i checked my credit score..it went from XXXX to XXXX.. 
i checked and saw the 3 over due bills of XXXX dollars, three time from XXXX XXXX and called XXXX.. they agreed it was fraud and credit back the money to XXXX credit card ... 
however, XXXX has NOT removed the problem and equifax will not correct the problem. 
i spoke to XXXX on XX/XX/XXXX about this c # XXXX XXXX XXXX XXXX and he said all has been cleared, no delquincy .then spoke with XXXX at equifax on XXXX, c # XXXX XXXX XXXX and she said to talk with XXXX XXXX???? 
nothing has been corrected as yet. 
XXXX and equifax need to be held responsible. 
thank you, XXXX XXXX
Consumer complaint received 2019-10-02
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. (TX)

My Student loan has been taken over by XXXX XXXX  and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MD)

We made interest free credit card loan arrangements with Lowes for period of 2 years. Our Agreement had started the day we agreed on the amount of {$9100.00}, moreover their project got delayed for 6 months. Now without considering their delay time frame they have sent us accumulated interest of amount {$4800.00}, which is more than 50 % of my purchase. 
I signed my contract with Lowes dated XXXX to build backyard fence as an requirement to run a XXXX XXXX. As per contract they were suppose to start Fence work on XX/XX/2019, but they started the work after about six months later. Moreover Covid-19 started. Unfortunately due to COVID-19 lockdown I was unable to generate any income out of it. Despite of financial difficulties we payed most of our principal except for amount {$1500.00}. Which is now fully paid as well. We have multiple times contacted them through phone calls and sent them letters requesting to waive off the accumulated interest charge but in vain. We received no alerts from them and also they did not consider their delayed time frame. We got suddenly hit by their Interest despite making timely month to month payments. 
Please to the needful at your earliest
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

* XXXX XXXX ACCOUNT # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX  # XXXX * XXXX XXXX # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS 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 : also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
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. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently pregnant with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the equifax data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has reversed payments I made to my mortgage and erased the electronic history displaying these payments and the reversals they made, after I raised the issue. 

They took six months to give me a response but did not respond to any of my calls or messages during the six months they say they needed to respond to the complaint.

Now they say I have four months due, which is exactly the amount they are saying is unpaid, that they reversed. 

If you can not help. Please advise of someone who can. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have called Wells Fargo to try and take my mortgage off of the cares act relieve. I keep getting put on hold or the agent is not able to do it and transfer to another agent, who cant do it either. I called in the XXXX to do it, told to calm back on XXXX. I have called this month four times and get put on hold or transferred. I want to solve the problem but they have no way of solving it, they just want to put you on hold and delay solving it until they can charge more fees.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.

Paypal say they will limit my account if I don't verify my information so, I verify my PayPal using my id, and a couple of hours later my account is suspended for 180 day. 
I'm a video editor and I use paypal as my payment method.
Consumer complaint received 2019-05-09
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: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-08-31
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. (DC)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the letters I have sent about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (OK)

I have already disputed this amount with XXXX. I was seen on XX/XX/XXXX which was a Saturday. They billed my insurance for {$10000.00} for a in house XXXX  a doctor that had no idea what he was dealing with he was told by me to treat with XXXX he gave me XXXX XXXX. Then XXXX was before knee. He sent me home I returned to ER less then 30 hrs later with XXXX at knee he order another XXXX which was unnecessary and gave me a XXXX XXXX XXXX, XXXX XXXX that did nothing for XXXX. Sent me home and billed my insurance {$16000.00}, then I was XXXX on XX/XX/XXXX cause the XXXX got mid thigh and XXXX XXXX controller doctor came in and started a XXXX  XXXX XXXX   XXXX to fight it. If the doctor what of done his job it could have been stopped the first night but they racked up the bill. I'm willing to take this to court for Mal practice. And until it's resolved with your client I demand you remove these accounts from my credit report or I'll involve cac in any suit that get start. Go head I give you permission for the whole medical report from XX/XX/2018 to the XX/XX/2018. Get  complete itemized statement as well and please send them to me. But I promise before I let you destroy my credit over a bill that should only be about {$2000.00} and the charge XXXX for I will sue everyone one involved. Fill free to contact me by mail I have a new address since visit. To make this easy for you to understand an outside Doctor came in and was paid. The XXXX   was done by XXXX XXXX and was paid. XXXX only provide a doctor the first time and pain medicine. But there billing as if the provided every thing. I am going to get my insurance involved in all this I will get the FTC involved the attorney general involved there frauding the insurance and there getting you opress me through my credit report to pay there's will go to state court I'll take you to federal court under the FDCPA. Please get and review information from your client before you proceed.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

On Sunday, XX/XX/2021 I received an alert from XXXX XXXX asking if I was attempting to open an account with Wells Fargo. A few minutes later I received an email from Wells Fargo notifying me of an online application for a checking account, showing the applicant provided my name ( spelled correctly ), social security number, and date of birth. I immediately called both companies but got recordings to call back during business hours Monday through Friday. I called XXXX the following day, Monday, reported the identity theft, received a case number and instructions they would call back to 3-way call with Well Fargo. It was two days later, Wednesday, XX/XX/XXXX, when XXXX called with Wells Fargo. Wells Fargo stated they were placing a freeze on the application and gave me a case number. On XX/XX/XXXX, I called XXXX, who placed another 3-way call to Wells Fargo to follow up on the case. The " freeze '' on application apparently did not keep it from becoming an account, as advised on XX/XX/XXXX. They asked my name, social security number, email address, phone number, and address. They stated the phone number and address were different than what I provided. They advised they put a freeze on the account and issued another case number. On XX/XX/XXXX I followed the link to the account through the email Wells Fargo sent me on XX/XX/XXXX, which provided me with the account number, routing number, and application status as " signed and completed. '' I called XXXX, who 3-way 'd the call with Wells Fargo to check the status of the account. It still had not been closed. By the end of the phone call, Wells Fargo Fraud Department stated the account had been closed ( by him ). I still do not have any information about any charges, or what information they gathered in their " investigation '' of the fraudulent account. He only said they would send a document in the mail. At least he got my correct address to send it to. It's so frustrating that I had to keep following up every week to get them to do their job!
Consumer complaint received 2019-05-09
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 — Problem with personal statement of dispute
Company: TRUSTMARK CORPORATION (GA)

I went to this loan officer to cause the young lady in my state wasn't license to work in Tennessee so on XX/XX/19 .I sent off of my credit info told him it was a gov.loan. I had been preapproved already but had to start over cause the person couldn't work in Tennessee.he later pulled my credit then said he never seen a person without much credit before long story short I asked if he knew how to work this particular loan he said yes pigeon sat on my loans then nothing hold it once never went through the underwriters I found out cause I called them.he had been telling me he couldn't get through to anyone no one answered his email etc. But when I spoken with them she said there is always someone here to answer the phone he never called no emails no notes on acct
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2021, at XXXX XXXX  ( Arizona time ), I received two emails from Coinbase.com stating that I had transferred virtually all of my Bitcoin ( BTC ) and Ethereum ( ETH ) to unknown wallets. I did not authorize these transactions, and have since learned from Coinbase that someone without my knowledge or authorization installed an API in my account, which they used to access my account and perform these fraudulent withdrawals. 

I also learned that Coinbase hides this activity from me in the activity log in my account so that I did not know, and could not have known, when the thief or thieves accessed my account. It appears that the API Coinbase allowed to be installed also bypasses all of my chosen security measures, including 2-factor authentication to log into my account and 2-factor authentication to withdraw or transfer funds.

At the time of this theft, my XXXX BTC was worth {$11000.00} and my XXXX ETH was worth {$8300.00} ( a little over {$13000.00} today ) There were also transaction fees associated with these transfers that were paid from my Coinbase account. 

The emails I received said : Congratulations! You have successfully sent XXXX BTC to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX BTC ( {$1.00} USD ) in network fees. 
Congratulations! You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX ETH ( {$16.00} USD ) in network fees. 

I filed a complaint at ic3.gov, and have not heard anything at all. I filed a complaint with the Arizona Attorney General 's Office, and they were able to get Coinbase to provide some limited information about the API that was fraudulently installed, but Coinbase has since refused to provide any additional information, including whether or not the addresses above to which my funds were sent were associated with a Coinbase or other XXXX  account that could be traced to the owner. 

If the CFPB could require Coinbase to provide additional information about the theft, including the question above, as well as the dates/times/IP addresses that were used to access my account via the fraudulently installed API, I would greatly appreciate it.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I always deposit my benifit check using mobile app now on XX/XX/XXXX bank debit {$1200.00} from my account reason not clear and when I call o been harres by bank employee and for that I was going through XXXX XXXX  they call me a fraud also by taking that money from my account herd my credit score also they change the data on my mobile checking account, violate invite my privacy
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!
Consumer complaint received 2021-08-31
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
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. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-05-09
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. (CA)

Complaint on Equifax ( Credit Reporting Agency ) On  XX/XX/XXXX, I researched my credit report and found the same error on all three credit reporting agencies credit report ( XXXX, Equifax, & XXXX ). 

I disputed the following entry on all three credit reports : XXXX XXXX Joint Account ; Line of credit : {$5000.00} close : XX/XX/XXXX Note : I never had a line-of-credit with XXXX XXXX. 

XXXX and XXXX promptly investigated and removed the XXXX XXXX  line-of -credit entry from my credit report. 

I had never heard from Equifax. On XX/XX/XXXX, I telephoned Equifax and the call taker told me that I had to provide them, in writing, my social security and drivers license number, before they can provide any relevant information to my complaint. This is redundant. Obviously, writing a social security number and/or drivers license number on a piece of paper does not provide Equifax with any additional details about me, as I can provide my drivers license number over the phone. I had previously provided my social security number to the call taker. Moreover, providing my social security number and/or drivers license number-in writing- via fax or U.S. Mail causes potential for fraud and theft, and/or identify theft. 
I would encourage Equifax to be more consumer friendly and utilize best practices in the investigation of credit reporting disputes like their competitors, namely XXXX  and XXXX. 
I urge XXXX to respond to my XX/XX/XXXX complaint.