davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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 do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I received a letter in the mail from XXXX XXXX indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was SAGESTREAM , LLC. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I've attempted numerous times over the past almost 2 months to get my card mailed to me with my money on it ... I've been giving excuses and different stories of why they cant send it. Everytime I call, I get a different story.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (NC)

I previously sent CoreLogic a letter to place a security freeze on my Corelogic report but instead of them placing a freeze on my report, they told me that they are a reseller of the consumer report information provided by the three credit bureaus, so they didn't place a freeze on my CoreLogic report.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

From XX/XX/2019 to the present, Chase Bank has unlawfully withdrawn and refused to refund thousands of dollars in deposits made to my accounts and has refused, despite a previous CFPB complaint, to refund the amounts withdrawn. All amounts were withdrawn for excessive fees. In my previous complaint they made it appear to CFPB that they provided credits for all the excessive fees, but they did not. All of my accounts ; there are many, have been placed at a {$0.00} balance. Chase took the funds for the excessive fees, exactly the opposite of what they reported they were doing to CFPB.
Consumer complaint received 2018-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MI)

I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

On my Three bureaus it is showing that Ally Financial is closed and charged off for the amount of XXXX. When I have a letter form Ally on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Consumer complaint received 2020-05-23
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. (AL)

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (MA)

On XX/XX/21 I was in a car accident. The accident wasnt my fault. A deer hit the back of my lease causing around XXXX in damage. Please dont quote me on that number its based off of memory. The car was put in the shop. I got 30 day rental through my insurance. My 30 days is up and the lease wasnt fixed through XXXX. Now the body shop and dealership agree that the pandemic has slowed the delivery of parts resulting in me being carless. 

Now theyre expecting me to pay my lease fees, but wont accommodate the rental. I cant afford rent, food, and other bills plus the lease, insurance, and now the additional transportation cost. 

Ive tried to resolve this with XXXX and the insurance company but they just give me the run around. Theyre saying eachother is responsible and wont work with me to come to a reasonable solution.
Consumer complaint received 2020-11-23
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: CarMax, Inc. (IL)

I spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting Carmax for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX
Consumer complaint received 2020-07-07
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. (IL)

This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.
Consumer complaint received 2020-07-07
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. (TX)

Equifax is reporting a late payment for my XXXX  XXXX  despite XXXX contacting Equifax directly and asking for the late payment information to be removed. Equifax is the only credit reporting agency doing this. I have repeatedly tried to follow the Equifax dispute process without success. Equifax refuses to contact me or explain the rational for reporting inaccurate XXXX  XXXX information. Equifax insists that I follow the dispute process again. I believe Equifax knows that I can not qualify for a mortgage with a dispute or a late payment on my Equifax report so they have placed me in purgatory with no way to resolve the problem.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XX/XX/XXXX XX/XX/XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NV)

I bank with Discover Card. On XX/XX/XXXX I submitted 1 extra payment resulting in 2 payments of {$400.00} instead of my one usual payment of {$400.00} I make to them. This resulted in imense Financial strain, since I only wanted to pay them once. I contacted the company on XX/XX/XXXX requesting a refund of one of my payments of {$400.00}. I was told I have 7 to 9 business days before the money would return to me. It's now been over 14 business days with no transfer back from the company. I have spent Collective hours on the phone with them and even their Supervisor was not able to insure an answer over the phone and had to hang up with me at that time. this case has been escalated and I've repeatedly attempted to find out where exactly the money is coming back from but no one has given me an answer. it's caused a ton of financial strain and is put me further in debt now because of this. this is not been handled professionally and my money is still missing. Please help any way you can I feel they are ignoring and neglecting my request.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (DE)

I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's  contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.
Consumer complaint received 2018-09-24
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. (OH)

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

i was contacted by XXXX XXXX on XXXX. Ms. XXXX, obtained an attorney, Mr. XXXX XXXX XXXX XXXX Mr. XXXX indicated that Ms. XXXX has funds that she could not access, and that she needed help. They both furnished copies of thier identification, along with supporting documents from the XXXX XXXX All documents were faked. The aforementioned indidividuals did create, and further produced bank account information that was totally false .... In an effort to assist miss XXXX, i did in fact send her {$750.00} ... It was all a scam ...
Consumer complaint received 2020-12-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (CA)

re case # : XXXX i paid off the loan on XX/XX/XXXX, i applied for the title on DMV website and i received the title, ( there was no lien on the title ) on XXXX i got a letter from DMV stating that Chase is the owner of the car and there is a lien on my car! after contacting DMV via phone, i got to know that chase has put another lien on my car car AFTER I PAID OFF the car mid XXXX and Chase is the lien holder. 

i have contacted the associate who was working on my case twice : XXXX XXXX twice ( via phone and via email ) but there is no response. 

can someone look into it and tell my WHY there is a new lien on my car while it has been paid off?
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate.
Consumer complaint received 2020-07-07
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)

XXXX XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported 90 days late, 60 days late, and 30 days late twice on my credit reports since account closure sending my credit score plummeting to the low 500s from a 650-670, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even thirty days after account closure a 30 days late, 60 days, and 90 days late payment in account history has been noted on my account as well as a charge-off status.
Consumer complaint received 2018-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX  Credit Report requesting a signed Document bearing my signature.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

around XX/XX/XXXX I purchased the XXXX XXXX {$9.00} XXXX XXXX membership. I forgot the login information and couldn't use the membership. XXXX  customer service wouldn't help me rest login information so i told them to cancel my membership around XX/XX/XXXX. to my surprise the continued to charge my XXXX 's card in XX/XX/XXXX and XX/XX/XXXX. I didn't pay the XX/XX/XXXX charge because i wasn't using the card for months i didn't even realize the had even charged me for the membership until my credit score decrease alerts.I need to have this unauthorized charges reversed at once my home construction loan has already been cancelled because of my credit score decrease due to this unauthorized charge. I need my credit score updated at once to complete the construction of my family home
Consumer complaint received 2022-01-06
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. (VA)

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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX 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 2022-01-06
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)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Equifax credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX  )