davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-02
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. (TN)

I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.
Consumer complaint received 2019-11-05
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. (OR)

Between XX/XX/2019 and XX/XX/2019, my wife and I were in XXXX XXXX XXXX, Utah assisting our son in remodeling an apartment into which he was planning to move. As I bought materials on, or about, the XXXX, I was invited by the vendor, XXXX XXXX, to apply for one of their customer credit cards, offered through XXXX XXXX. I agreed and they issued an immediate {$50.00} credit against my bill of {$62.00}, leaving me with a XXXX dollar balance, which i left on the card for my son to pay at a later date. However, I made an error in the address given, and the bill, subsequently, failed to reach him. At that time, my credit score was ~790, depending on which of the big three credit bureaus checked. Of course, neither my son, nor I, knew anything was amuck for some, and by the time I learned of the overdue debt, ( ~about XXXX of 2019 ) my FICO score had dropped a hundred points. Meanwhile, my wife and I were planning to buy or build a new home somewhere in the western US, and had begun getting pre-approved with XXXX XXXX. The results where quick and favorable due to our high credit score and present cash flow. Fast forward to now, we didn't buy, we opted to build in XXXX XXXX, OR and put down earnest money in XXXX. 
Now, here comes XXXX XXXX XXXX credit enhancement team on the phone ( ~XXXX XXXX ), offering to help me repair my marginally low credit score! I had paid off the {$12.00} balance on the XXXX XXXX XXXX, but was shocked to see that puny {$12.00} had dropped my score about 95 points, an event which could cost me $ XXXX over the course of our pending mortgage. My recent efforts with XXXXt to remedy things has proved very frustrating. First, they said to pay-off one of my credit cards and have the company in question send a letter to that effect, and they would bump up my score accordingly ( ~40 pts. ). I told them we pay-off all our cards each months, but are also using them for all our everyday purchases and some auto-pays, as well. This made it tricky to show a XXXX   balance and get a " XXXX  balance '' letter in the works at the same time that we are still alive and spending. But I did it anyway and called XXXX to brag, when they surprised me once again with some baloney about their computer model having updated to a new format that no longer allows a bump-up for XXXX  balance ; now it requires a small balance, but only one that is current ; i.e. not yet being charged any interest ... ... ... ... ... .IS IT BEGINNING TO LOOK LIKE THE BANK/CREDIT BUREAU THING IS A CABAL? I MEAN, THEY HAVE PUT ME THROUGH THE WRINGER OVER XXXX BUCKS!!! AND APPEAR TO BE INTENT ON ONLY ONE OUTCOME ... .HIGHER INTEREST RATES AND FEES ON MY MORTGAGE. If you have a solution, I will look forward to your response. If you have an explanation, please skip it and save us both some trouble. 
Yours truly, XXXX XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NV)

This bank chase has profiled me twice and dose not care about there customers at all they just want money that ; s it period this is unfair and uncalled for this bank needs to be investigated they assume people cant afford to pay bills so they close them with out calling them or working with them which they have not done with me at all the company treated me unfairly and rudeness also so I wanted solved now other wise I am filing complaint with American disability act against this bank for profiling me and treating me unfairly do to having autisim and ADHD I do not understand things very well at all and have had hard time in life so for this bank to advantage of me is uncalled for I will not give up until the bank either pays off the balance for me or is willing to compromise in a professional caring way in writing
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (IL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have attempted to obtain my credit report from Equifax on 4 different occassions and I have yet to receive my report. Everytime I try to access it online it will not allow me too. I have signed up for some 3rd party credit companies and based off of their site there are a lot of discrepancies that need to be fixed however I am in need of my most current up to date Equifax credit report.
Consumer complaint received 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I TRANSFERRED BITCOIN INTO MY COINBASE ACCOUNT ONXX/XX/XXXXIT USUALLY TAKES 6 CONFIRMATIONS AND MORE OR LESS AN HOUR TO HAVE IT AVAILABLE OVER 12 DAYS HAVE GONE BY AND OVER 2000 CONFIRMATIONS. MY CURRENCY IS WORTH XXXX USD AND I CAN NOT ACCESS IT!! 
THE TRANSACTION SHOWS PENDING!!!! 

I HAVE EXHAUSTED EVERY RESOURCE TO CONTACT THIS COMPANY CALLING EVERYDAY TO THEIR CUSTOMER SUPPORT AND EMAILING WITH NO RESPONSE!!! 

THIS IS A COMPLETE FRAUD!!! 

ALL I WANT IS MY MONEY!!!! 

PLEASE HELP
Consumer complaint received 2022-01-06
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. (CA)

Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX XXXX the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code 1681c-2. XXXX, Equifax, XXXX received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, Equifax, XXXX was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, Equifax, XXXX has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.
Consumer complaint received 2022-08-08
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. (MA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-13
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. (FL)

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MI)

yes XXXX XXXX put in another credit card under my information useing my ssi number fraud address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit, Inc (IL)

I am writing to report multiple violations that Volkswagen is committing against myself and that are affecting me in a huge way. This company is reporting a wrong payment history on my account. I have never been late. They are committing UNFAIR BUSINESS PRACTICES. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter demanding the proper investigation as that the law requires and the account is not being investigated at all. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED which is another violation under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. My rights are not worth at all for this company. 

When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR, and this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Volkswagen refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Thanks to whomever reads my complaint. 

Account : VOLKSWAGEN CREDIT INC Account Number XXXX. Date Opened XX/XX/2018. 

- Please see attached letter sent to Volkswagen and the proof of fax.
Consumer complaint received 2019-11-05
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. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (FL)

I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from Synchrony Bank. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, XXXX XXXX, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.
Consumer complaint received 2021-11-02
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. (SC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-11-05
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)

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MTG 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 Please remove these. I contacted FTC and local police immediately also.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OR)

On XX/XX/19 I opened a US Bank checking account because of advertisements I kept seeing about A ) a bonus for opening an account, but more importantly B ) it made me eligible for their Altitude Reserve card. 

On XX/XX/19 I was denied approval for the XXXX XXXX card and reconsideration was not able to help me in this matter. 

This type of bait and switch tactic should not be allowed. It is unethical to advertise in this manner when having the account was of no consideration, despite constantly being advertised how having a checking account with US Bank will make me eligible for the XXXX XXXX card.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (AL)

At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (SC)

I borrowed {$800.00} and have repaid $ XXXX yet this company claims I owe more than {$800.00} still. This is predatory lending. This is obscene!!! They arent even located in the United States, they are in XXXX! 

I already filed complaints and this company 's response was that I am to STILL repay {$800.00}. Ridiculous! The resolution presented is : " PROPOSED RESOLUTION We understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, we would like to propose the following resolution : The outstanding balance on your account will be frozen in the amount of {$800.00}, the amount due as of your last statement date of XX/XX/2019. This means that no further fees or interest will be charged on a go-forward basis from this statement date ; The outstanding balance noted above will be divided into 5 installments of {$130.00} and a final 6th installment of {$120.00}, which will be payable on your scheduled pay dates ; and Once all installments are paid, your account will be closed as Paid in Full. '' MoneyKey is offering zero resolution in this matter. I have repaid the {$800.00} borrowed PLUS {$140.00} in fees. Based the original agreement, MoneyKey expects {$800.00} to pay off the loan meaning MoneyKey would collect {$940.00} in fees XXXX 118 % )!!! I would repay {$1700.00}!!! This is OUTRAGEOUS! 

MoneyKey 's proposal solves nothing. MoneyKey still expects me to pay an additional {$800.00} for a total of {$1700.00} for {$800.00} borrored. Again this is predatory, unethical lending!!! And to add to it, MoneyKey wants to sent payments at a rate HIGHER than my loan agreement. 

25 % interest in a fair interest amount. 25 % of {$800.00} is {$200.00}. I have paid {$140.00} of that. I will pay an additional {$55.00} payable by check to MoneyKey to be paid by XXXX XXXX. 

My account will then be marked CLOSED/PAID IN FULL/IN GOOD STANDING MoneyKey has received its {$800.00} plus additional profits from me. I will AGAIN report this as MoneyKey as provided no resolution. MoneyKey is simply restructuring how it still gets the obscene amount of an additional {$800.00} from me.