davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-03
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-01-27
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX XXXX I had over {$940.00} in my Wells Fargo checking account. Later that day I go to deposit money and notice my account is negative {$27.00}. I check my account see Correction Error {$960.00}. Talk to Wells Fargo banker at branch and they tell me they can't help me and to call the XXXX number. I call and they tell we will do a research investigation and you will hear from us in 5 days. Call the next day and they tell me we made a mistake 6 months ago and mental to take out money on XX/XX/XXXX. We'll let you know in 5 days whether we decide to reverse the funds. Call today and they tell me we know you are frustrated but we can't reverse the funds back into your account. Was with Wells Fargo for 7 years and what they did was very wrong and stole my rent money.
Consumer complaint received 2021-01-27
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: DISCOVER BANK (GA)

This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX  and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..
Consumer complaint received 2020-12-03
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. (OH)

On XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all XXXX credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Consumer complaint received 2021-10-07
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. (OH)

on XX/XX/2021 and XX/XX/2021 I sent dispute to validate debt and to remove unauthorized information off my report according to the federal law which protects my consumer rights title 15 United State Code 1681 ( a ) ( 2 ) exclude any Transactions from me and any person shall not be on consumer report.I just sent another dispute with a affidavit of truth and facts, Intent to sue for disregarding the law through Certified mail on XX/XX/2021
Consumer complaint received 2021-11-03
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX XXXX  XXXX {$0.00} Charge Off XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX I, XXXX XXXX {$1400.00} XXXX  XXXX {$520.00} XXXX  XXXX {$4800.00}
Consumer complaint received 2020-12-03
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)

i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Tried to buy a house but I had a freeze in my account from equifax. They couldnt run my credit because of the freeze. I called them XX/XX/2016, XXXX, XXXX, XXXX, and XXXX i called last on the XXXX to try and resolve the issue. I sent them documents they needed via fax on the XXXX and they still couldnt verify my identity and lift the freeze
Consumer complaint received 2018-02-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I've reported them to the BBB twice for their repeated & unwelcome solicitations. It stops for a few months then they go hire another illegal marketing firm to send more solicitations to nameless addresses to drum up business for their XXXX co.! They keep hiring illegal co. 's to buy my addresses & solicit me for accounts I have no interest in! I've done business with them in the past, they proved to not be worth it because their branch lines are slow, the terms aren't made clear on many things & complaints are not handled well. They just say " I'm sorry you feel that way '', that's all they know! I closed my accounts a year or more ago & refuse to have anything to do with them. Yet every so many months I keep getting their stupid solicitations that I didn't ask for nor did I give anyone permission to randomly use my address without my knowledge that includes the illegal marketing co. 's they & so many other XXXX business owners keep hiring! I received 2 of those begging solicitations onXX/XX/XXXX & XX/XX/XXXX. What part of leave me alone is just not clear to them?! They need to know the info they're purchasing was done without the knowledge of consumers! Chase is on every corner. If we want to do business with them then we know how to find them! Otherwise if we haven't opened up an account then that means we don't want to! Get the hint & leave us be! They are the ONLY bank offering consumers $ $ to open accounts on unreasonable terms! I don't know anyone that has the kind of $ $ to throw into a savings account that they are asking for! They're unrealistic & insane! If you have to pay people to open accounts what does that say about your business model? I've not seen any bank do this before. I'm a happy XXXX XXXX customer & intend to keep it that way! They've done right by me & don't send me unwelcome solicitations via email or any other way. XXXX is the only pesky bank out there bothering people & it's because they know they XXXX! So does their horrible CEO!
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

My husband and I are trying to get a home loan and my credit has been reported to three different agencies, two of the three the lender has gotten my credit information from, but the third will not allow access it says " Inquiry info identified as fraudulent by consumer '' I have called Equifax multiple times and tried logging in and creating an account and it will now allow me to it just gives me a number to call, so I called the number and none of times I called they were able to figure out the problem and just say that I need to have my loans reported to Equifax, I have exhausted all of my options in moving forward with getting my credit score from this company and can not move forward with our lender until I have that credit score. The date in which I have been trying to get this all figured out is XX/XX/19.
Consumer complaint received 2019-03-14
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: CITIBANK, N.A. (MD)

The representative from the company told me that the reward points that I earn from my spendings in XXXX will be issued in the reward certificate that I will receive in XX/XX/XXXX. In my XX/XX/XXXX statement, I have earned {$40.00} in reward points from my spending activity up until XX/XX/XXXX. However, they did not issue me this reward amount in the reward certificate that was issued in XX/XX/XXXX. On XX/XX/XXXX, I called the company to request them to issue me another certificate for this balance and they refused, saying that I would need to wait until XX/XX/XXXX to get the issued. I feel that I was misinformed by their representatives.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I have tried to initiate a dispute investigation XXXX times for a purchase that the seller did not deliver according to our contract. 

Each time, the case is closed saying that the merchant had previously credited me. This is not true. The day I made the original payment, I was sent an invoice for {$2100.00} which I paid. Then they said that was the incorrect amount, so they refunded me and sent me a new invoice for {$2100.00}. I am trying to dispute the {$2100.00} charge. 

I am attaching a screen shot of my statement that shows the {$2100.00} was paid and refunded, but that is not related to the {$2100.00} charge. 

Also I am attaching the letters received each time regarding this matter. 

CLAIM ID : XXXX CLAIM ID : XXXX Thank you - XXXX XXXX
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my countless appeal that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00}
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

XXXX of XXXX while going through divorce court I found that my wife at the time had put our mortgage into forbearance and so doing not making a mortgage payment for 18 months. I informed Rocket mortgage that I didn't sign any forbearance agreement that my wife had filed without my knowledge. over the last 12 months I have tried to obtain documents from my account on line with rocket mortgage. when I would call them again the first they would ask was I making a payment today. each time I would call I would have to explain the whole story all over. I would ask them to put this information into the computer but it seems that they couldn't or wouldn't. divorce trial was XX/XX/2020 in which my wife was awarded the house. The equity in the house was lost due to the forbearance. divorce decree was for me to quit claim the deed. Her court order was to make the mortgage payments. 
In XXXX I look at the mortgage and it shows she signed another 3 months of forbearance. I talked again with the mortgage company and they had continued to put both of our names on the monthly statements and that they needed my financial statements that I would have to sign a loan modification and be out of forbearance for 3 months before I could come off the loan. Ex took me to court for contempt to sign Quit claim in XXXX. Now I get a 15 or so pages of documents to sign not only a loan modification but a promissory note for the $ XXXX she is behind. We are behind. I refuse. she takes me back to court. Judge sides with me that I shouldn't have to sign for more debt. That was XXXX. Rocket mortgage all this time knowing I'm not signing any documents and never have continues to allow her to e sign my name on many documents all of this time not letting me see these documents. After enough complaining for the first time I'm able to see some documents yesterday 's document said I along with my wife.ex. but says wife have been approved for Trial Loan Modification which means if she pays loan on time they won't foreclose and hurt my credit. As of yesterday a had to esign these documents. I see that the Trial has been approved and of course I didn't sign anything. rocket told me today that since I signed the Quit Claim and they have copy of divorce I won't have to sign the application for the trial modification. so the Divorce judge hasn't any power over mortgage company and I understand that. Now I have most of the documents I've been asking for for a year and yes the signatures are not mine. I can maybe understand why my ex did the things she did but there is no excuse for a major company to treat a customer this way. I have spent hours upon hours trying just to figure out what's going on. Before this I would never thought my wife would tell even a little lie. What I saw was a big letdown. but what rocket did can't be righted. All I wanted was to be off this mortgage. they did this to keep from foreclosing on a house and having to resell it. This could have been over a year ago. Thanks. XXXX XXXX. XXXX.