davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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. (SC)

Good evening, my name is XXXX XXXX and I am a little frustrated, confused, and at my wits end. I am hoping to get some type of resolution to my ongoing issues with Equifax. I am a consumer that consistently monitors my credit report and anytime there is an issue I try my best to contact either the creditor or the credit bureau to rectify the situation. To my avail the credit bureau Equifax has been very reluctant to rectify the fraudulent, unauthorized inquiries that are listed on my credit report. I have disputed until I am blue in the face, I have even submitted a letter from one of the creditors stating that an inquiry is fraudulent and they still refuse to delete it. So I've decided to take it a step further. I have also emailed the CEO of Equifax and still nothing. Hopefully, my complaint will resolve the issues that I continue to have with Equifax. Attached you will find the order of my disputes with Equifax. I am trying to acquire credit and it makes it hard to do so with incorrect information showing on my report. I filed a dispute online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and nothing has been resolved. The one time I called to dispute the information over the phone, the representative was very rude and hung up on me and I was not pleased. The only thing I'd like is for the issue above to be resolved and DELETED from my credit file. With all of the breaches and such within the company, you would think that they'd be a bit more responsive! Again, I appreciate your assistance is getting this issue resolved! 
The fraudulent inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-27
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. (IL)

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XXXX chase bank closed my account with my money in it because they said I didnt have a Business account I provide Them with Document from XXXX Stating that I had a business and the money was from the SBA they stated it was not going to release the money they was going to send it back and its been a year and now I have to make the payments back but never received the money I call the SBA they said it was nothing they can do I provided them the documents that said I had a business the bank excepted the money and now they wont release it
Consumer complaint received 2021-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (TX)

On XX/XX/XXXX a personal loan with discover personal loans I applied for was finalized. 

The payoff amount for a loan I have with XXXX was in the amount of XXXX. I provided them with the account information. I offered to pay this off myself but they said they would do it. 

This money was instead sent to another creditor that I do not have debt with and have never been a customer of theirs. I did not provide them with this information or authorize them to send any money to them. This was a complete error by the Discover employee. 

When I realized this, I called and was told that they have to recover the money before correcting the loan disbursement. I was told it should take about 3 days but to call back after 5 days. I called back after 6 business days ( XX/XX/XXXX ) and was told that there has been an issue with getting the money back and I will have to wait up to 90 days as they go through the recovery process. In the meantime, I am responsible for this debt ( for the funds of {$8200.00} that I never received ) and the original debt I had wanted to pay off. This has doubled my unsecured debt and may negatively impact my credit score through no fault of mine. 

I understand that mistakes happen. But this was not my mistake. Yet Discover is making me pay for their error. They offered to credit my loan with them for the amount of my other loan payment each month until resolved and are waiving interest. However, that does not change the fact that my unsecured debt is now XXXX higher than it was before I took out this loan. This was not a reasonable solution.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

Since XX/XX/XXXX coin base has stolen XXXX from me and has locked me out my account and also haven't responded to my email resets or email complaints about monies missing and being locked out account. The first incident ( XX/XX/XXXX for XXXX ) my currencies was transferred out of my account they said I sold my investment and the 2nd incident ( XX/XX/XXXX for XXXX ) I had currencies in my account and now I am locked out account and assume they have taken these monies also. Coinbase also attempted to steal money out of my banking account which is another story. They do not respond and do not have a customer service phone number. I think they use to their cpu/a.i. system to run scams on customers to take their monies.
Consumer complaint received 2021-07-08
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: LoanCare, LLC (MD)

I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and XXXX  has done nothing but collude with the company. XXXX  has done nothing to correct my credit report. The account is Loan Care LLC. Account # XXXX
Consumer complaint received 2018-02-20
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. (TX)

I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.
Consumer complaint received 2022-10-05
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. (PA)

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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on XXXX, EQUIFAX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

I opened a checking account with PNC Bank in XXXX. they have held my funds since opening and refuse to make my funds available. 

I electronically deposited 3 of my payroll checks and 1 check from my father. they sent me a letter questioning the authenticity of the checks. I went into the branch and showed them my ID and the hard copy of my pay checks. they still refuse to reimburse me or give me the checks back to deposit elsewhere. 

the deposits total over XXXX XXXX dollars and I need my money for bills. 

please help XXXX XXXX
Consumer complaint received 2021-07-08
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX, I had back unemployment benefits from NYS deposited into my PayPal account. I had used this account to receive unemployment without issue for nearly 2 months but when 6 weeks of back pay was deposited I was permanently locked out of my account and told I had to wait 180 days before they decided I would get access to my funds. 

No I dont have access to my unemployment after speaking with PayPal on XX/XX/XXXX.
Consumer complaint received 2021-02-27
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint yesterday against JP Morgan Chase Bank, N.A., ( CCC ) - CFPB complaint number XXXX. Since yesterday, CCC has emailed me from a NO REPLAY address. CCC then emailed me from their Executive Offices with an independently verified dead link asking that I sign in to your account knowing full well I have never had an on-line account with CCC. Last night I did receive a voice mail dated Monday, XX/XX/XXXX from a XXXX at ( XXXX ) XXXX, ext. XXXX. I called her back yesterday, XX/XX/XXXX and left her a recorded voice mail response despite the phone queue stating the extension was not valid. The reason I could not call back before yesterday is that my SON WAS XXXX WITH XXXX on XX/XX/XXXX and Im at the XXXX XXXXXXXX XXXX XXXX XXXX every Monday for my sons XXXX!!! All of this is adding unspeakable emotional distress to that which I live with every day, not to mention countless hours of lost time. Again, CCC is still not available to speak with me and otherwise avoiding speaking with me. When I have to collect against my studio clients, ( and Ive had to engage collections Law Firms against XXXX, for example ), I show them the business ethics of extending every possible verbal request, literally hand delivering the invoices and every possible effort in addition. Under supervision and regulations : under current Federal Reserve Board Policy, JP Morgan Chase is expected to act as a source of financial strength to its bank subsidiaries and to commit resources to support the bank subsidiaries in circumstance where it might not do so absent such policy. However, because GLBA provides for functional regulation of financial holding company activities by various regulators., XXXX page three, bottom right. This is CCCs own commitment to the SEC. Why did CCCs subsidiary ( or CCC ) NOT hold to this commitment here? I want to know what entity I faxed my disputes to from the CCC Branch, their EIN number ( s ) and their physical addresses, ALL OF THEM. I already have JPMorgan Chase & Companys EIN number,XXXX ; its a start. The CFPB askes in its intake what category best describes the complaint offering 1 ) Investigation took more than 30 days, 2 ) Was not notified of investigation status or results, 3 ) Their investigation did not fix an error on your report, 4 ) Difficulty submitting a dispute or getting information about a dispute over the phone, 5 ) Problem with personal statement of dispute. ALL APPLY HERE!
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

I had a major medical issue that required extensive surgeries and treatment over 18 months. During that time I fell 2 months behind and was in the process of a modification when the Mr. Cooper rep talked me into changing from a modification to a forbearance. ( I was doing modification in XXXX XXXX and covid hit in XX/XX/XXXX XXXX I took the forbearance because they said I could not be in 2 programs at once and I really didn't know how bad the covid thing would get. I was on a forbearance until XX/XX/XXXX and I contacted them in XXXX XXXX to start the modification process again. Now they say the only option the can give me is to pay XXXX in full to catch up or short sale my home or a deed in lieu and have denied me for both a modification or a deferment of the covid year forbearance. I have $ XXXX in equity, now that I am back to work, I am back earning more than enough to pay the $ XXXXmo mortgage payment and their 7.99 % " take it in the XXXX interest rate '', I have zero other credit card or loan debt. All I am asking is for them to tack the amount to the end and I will make payments while simultaneously looking for a new and more reputable mortgage company. They have lied and have told me conflicting information every single time I speak to them, it feels they make up rules as they go and I am done! I have been completely mislead and feel they are taking advantage of people and bad circumstances of medical issues and covid. My house has modifications and special features installed for my XX/XX/XXXX daughter. I have invested a lot of time and money to provide a safe and XXXX accessible features for my daughter. These modifications were made because of my intent to stay in my home with my daughter. I am not going anywhere.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (HI)

I've called, sent letters, and even hired a company to help me deal with Synchrony Bank and there fraudulent actions taken on my credit report. This company has continuously re-aged my account activity with them for several months and its not fair. I've had enough and I need this account deleted off of my credit history.
Consumer complaint received 2021-02-26
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. (PA)

i am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (ID)

Experian refuse to correct and properly investigate dispute and update account as disputed XXXX XXXX acc # XXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by consumer
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I had received a phone call from my bank saying that someone was trying to access my XXXX and then I need to reset it, The number on my caller ID was US Bank. I was told I need to forward myself the amount of money I have in my checking account to restart my XXXX. This happened back in end of XXXX, my bank denied my claim and XXXX has not gotten back to me. I transferred a little over {$1300.00} That they asked for and I never got it back. I have a screenshot of the account I sent the money to but Us bank nor XXXX cares. I don't know what else to do. It put me in a financial burden.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I had earned points on a credit card and when I closed account, the representative said they would transfer the points. The points were never transferred and when I spoke to representative they said request was denied as once points have been removed there they will not be given back. They also said that I can not speak to the team who denied the request and that I can call back to speak to general customer service which would be pointless. The amount of points is large as it is approximately {$1800.00} in terms of dollars when converted.
Consumer complaint received 2021-02-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC (TN)

In the beginning of XXXX I responded to a mailed solicitation from Loan United to refinance my 30-year VA loan from 2.75 % to 1.75 % under the streamline plan. The person I dealt with was XXXX XXXX, Senior Mortgage Loan Originator, NMLS # XXXX, Direct : ( XXXX ) XXXX, Cell : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX EXT : XXXX, XXXX After promptly sending in my documents, Mr. XXXX told me that they could not do the advertised 1.75 % rate, but they could do 2.0 %. I said okay and sent him all documents requested. I e-signed a bunch of documents beginning the process. He told me to skip my XXXX payment. 

On XX/XX/XXXX, the following lady contacted me : XXXX XXXX, Loan Assistant, Email : XXXX, XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX, Main : ( XXXX ) XXXX ext XXXX Next Loan United became obsessed with talking to my bank. First they contacted the wrong bank in Minnesota instead of Tennessee. This was the first delay. Next they had a third party with a thick foreign accent call me and tell me that the reason they had to talk to my bank was in order to talk about my loan with the bank. I told them that the loan was with XXXX and not with the bank, but they continued to argue with me that it was. I tried to explain that I had a loan with the bank for a condo in XXXX, and the loan I was refinancing was with Quicken and was in XXXX, TN. After all of this, XXXX and XXXX pretty much went silent on me, not answering my calls, messages, or emails. XXXX answered one time last Monday and said he would get an answer in 5 minutes, but did not. 

Now XXXX has slapped late fees on me and is harassing me about my loan which will soon be delinquent.
Consumer complaint received 2021-07-08
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. (LA)

XXXX XXXX BALANCE {$370.00} XX/XX/XXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XX/XX/XXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit hospital. 
I have no luck, Also I attended XXXX University which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.
Consumer complaint received 2018-11-01
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. (CA)

I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have reached out to the three credit bureaus. XXXX, XXXX and Equifax because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.