davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC (CA)

Data is not showing current information with Corelogic Rental Property, XXXX and SafeRent. 
XXXX XXXX XXXX was paid in full attached proof of verification items were paid in full on XX/XX/19.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

Yes is XXXX between the XXXX and the XXXX or 2021 they took XXXX XXXX I'd like to get my money back they laugh giggled said it wasn't there they hung up over the phone they're quite argumentative over the phone that year I still have the account the records and then it'll wisely ruined by somebody I think they have a little wise worker or someone of a sort liking to steal money from people or cash yeah I'd like my cash back or the XXXX assets that they stole from me I hear they did it this year too about {$200000.00} XXXX or {$200000.00} XXXX this year and back in 2021 I like to get my cash back I'm really aggravated I'll be leaving my ATM card number that's the only thing I have on me right now I found you guys on the news
Consumer complaint received 2020-08-10
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. (CA)

i filed a dispute with equifax and XXXX 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.
Consumer complaint received 2020-08-10
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. (AR)

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}
Consumer complaint received 2020-08-10
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. (WA)

On or about XXXX XX/XX/2020 I started the pre-approval process with XXXX for a mortgage however, they informed me that when they attempted to access my Equifax credit report, they received error code XXXX and advised me to contact Equifax to resolve the issue. I contacted Equifax and they were unable to verify my information and advised to fax my drivers license, social security card, most recent utility bill, and a cover letter to the following fax number : XXXX and that it would take 5-7 business days to update my information. 

On XXXX XX/XX/2020, I sent the requested documents. I waited 5 days before contacting Equifax telephonically, to verify receipt of my document. They had not received it. I contacted a representative again after 7 days from the fax date and they still had not received my documents. I faxed my documents again on XXXX XX/XX/2020. Simultaneously to sending the first fax, I also went to XXXX and attempted to create an account and received error code " NH '' upon entering my information. I attempted to enter a different variety of previous addresses, in case they didn't have the most current information on my account. Every time, I received the same error code. 

I spoke with two Equifax representatives on XXXX XXXX 2020, 10 business days after my initial fax and they still had not processed my documents nor could they provide me with any information regarding my account. They suggested I didn't have a credit history during the phone call, at which point I reviewed my lenders over the prior decade as provided from my XXXX report. I provide 4 previous addresses I'd lived at. The representatives each recommended that I fax in the documents I'd already faxed in. I informed them that I'd already done that twice. They said that they hadn't received the documents, despite confirming the number that I'd faxed them to as read off of the fax transmission verification report. 

No representative has been able to confirm what is wrong with my Equifax account or that it even exists. Equifax has failed to process my documents within the timeframe they allotted to have them processed. Equifax is preventing me from applying for a loan.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (WA)

On XX/XX/XXXX New York unployment deposited almost {$11000.00} in back pay. Western Union net spend by XXXX XXXX froze my account said they needed to verify my identity. I sent in my ID my proof of address and social card .They then told me they closed my account and mailed me the check .After a week I still did not receive it .I called back they said they sent it to ny unemployment .I called ny unemployment as of today XX/XX/2020 they still have not received it. I have sent multiple emails and calls demanding to know what address it was sent to and the check number. I am told nothing. I want to know where my {$11000.00} is.
Consumer complaint received 2018-11-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (OH)

Hello, I have a car loan through Chase bank. In XX/XX/2014 My mother passed away so I called in to get a payment skipped. They approved it and have reported a missing payment since. It is hurting my credit and they need to remove the late payments asap. I have disputed with them and XXXX XXXX. I pay every month on my car.
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$6900.00}
Consumer complaint received 2018-11-13
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. (MT)

I was part of an affiliate marketing business ( XXXX = XXXX XXXX XXXX XXXX ), that got shut down by the FTC. I charged the amount of about {$100000.00} with several credit cards, which almost all resolved the dispute by refunding my money. I charged XXXX with Chase Credit Card. Chase said I did not file in time. The charge happened in XXXX XXXX The shut down happened in XX/XX/XXXX I purchased XXXX to different locations which did not happen because of the shut down. Before the shutdown I submitted my card to a debt relief group " XXXX XXXX   '' ( XXXX ), I told XXXX that my business does not exist anymore due to the US government and XXXX  said they will file a dispute. I made sure that this happened and XXXX said they did file the dispute. Recently I got my credit back thinking that the dispute was resolved, but the other day I got a call from Chase and they are now denying my dispute. They are saying I filed the dispute too late! I would like help from you to get the money back, since I can not attend any XXXX, no more websites, no response through emails, ... My online account does not exist anymore, Chase canceled it and I can't even see my statements
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NJ)

Bloomingdale 's claimed in a prior CFPB complaint XXXX that the billing matter has been resolved and taken care of. Of course, this is further from the truth, the letter was dated XX/XX/2020, ten days later, I never received a supposed letter they referenced, nor has the amount been placed on the promotional plan as mentioned in the response letter. Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (PA)

Discover has unexpectedly required a form 4506-T under threat of account closure. This is not an industry standard - I've had credit cards for more than 20 years - and I refused to disclose such sensitive information. 

I believe this is intimidation driven by an under-pressure underwriting department who is extending their reach beyond reasonable industry norms.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

Chase bank advertises quick pay as a convenience. On XX/XX/XXXX I cashed money for my neighbor. On XX/XX/XXXX my neighbor reported her debit card stolen. Chase  automatically froze my account since the quick pay I did for my neighbor was during dates that she reported her card stolen. I have brought Chase all text messages and a hand written note from my neighbor, with her signature & social security number to prove the quick pay was legitimate however Chase still has my account frozen claiming I committed fraud. I missed my last payment to a credit card & my last car payment since these 2 payments were on automatic payment. Also my wages go into that account & even though my wages are more then the disputed amount they have decided to freeze my wages also which are on direct pay. Im having to prove Im innocent, which I have, however they continue to have a freeze until they decide to finish an investigation. They claim my neighbor isnt answering their calls anymore. That shouldnt impact my account since I have provided all text messages where she asks for me to cash money via quick pay & ive provided a hand written note with her signature stating the quick pay was a legitimate transaction. Chase should not be allowed to advertise quick pay as a safe way of banking!! This all happened on XX/XX/XXXX. After providing evidence that the transaction was legitimate, they are still investigating & all my money including my wages that were deposited after the dispute are still frozen. None of my wages nor my account should be frozen!!! This has been a horrible experience.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me 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 XXXX XXXX
Consumer complaint received 2022-07-03
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. (FL)

There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CARD Corporation (CO)

hello I have an account with card.com which my brother had his unemployment directly deposited into my account. for the past three weeks there has been a hold on my card as they refuse to release his money requesting I send them documents such as proof of identity, proof of XXXX employment such as tax forms and a notorized letter of authorization to release the funds to my account. I have sent then all there requested documents over and over again. Everytime I call them they lie and say there is know upper management department they can transfer me to. Only one time I called they transfered me to a XXXX  XXXX  from the upper department which was a lie as she was the same exact person I have spkke to everything I have called in. this lady lies and tries to change her voice the reason I know it the same person because she can't speak very good English to begin with and can not pronounce notarized for three weeks i kept sending in what I thought she was requesting as I thought she was saying letter of authorization but she was trying to say she needed a notorized letter from my brother giving his permission to release the funds to my account which after three weeks we finally made that clear. These people are awful i have requested they send his money back to unemployment so they can deal with it and they refuse they say unemployment needs to send them a request to send them the money back. my brother has an appointment with unemployment in XX/XX/XXXX another 2 weeks out and does not have any other options of reaching unemployment any earlier than that date. At this point card.com has put a hold on his money which has been almost 1 month now and are not by any means working with us to get this problem resolved. They continue to seek my brothers personal information which I have sent them everytjing he has had regarding his XXXX  employment and proof of his identity. My brother due to this has become XXXX  and is a XXXX  to himself and others. He is accusing me of steeling his money thinking that they released it and I just have not gave it to him. The first time I spoke to card.com they stated unemployment requests the recieve further documentation regarding proof of his identity and self employment. I requested they sent me proof of that request which they stated they could not do. Thats because such proof does not exist.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

citi credit card charging money without proper information due to an update to the security system the company change my id and password. in that instant I could not enter or look at my account. to see charges transactions. 

I called XX/XX/2020, to citi-bank credit card to solve this issue but the options the gave me were change my information or cancel i did not want to change my information so the only option they gave me was to close the account. which i accept to close the account. 

I asked for an print statement to pay any debt. As XX/XX/XXXX I have not received the statement yet. I had been calling several time to see the status or to asked for a new statement to solved this problem, unfortunately I have not being able to solved. I have an email that showed my statement debt as {$480.00} but citi representative told me I own the bank {$670.00}. 

I have to called my personal bank to stop payments to citi since citi was getting the auto-payment on XXXX even though i cancel my credit card on XXXX. I have recording of phone-calls with them where they just hang the phone. they let me hanging for 30 to 45 minutes on the phone. even the keep my thank you points I was not able to used them. 

i refuse to pay anything without a final statement that has everything writing down to pay the correct amount and refuse to pay interest due to the incompetence of the company to provide me with the information that i solicited long time ago.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have finance my vehicle with XXXX XXXX for over a year almost a year and a half and have had trouble getting it reported to equifax even though they say its being reported. I have called numerous times to XXXX AND EQUIFAX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with equifax. I have offered to send my payment information my loan information and equifax refuses to take it from me stating it has to come from XXXX XXXX. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my equifax report.
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (FL)

On XX/XX/XXXX, I emailed XXXX, as outlined in XXXX terms and conditions and stated that I am revoking authorization for them to use/charge my bank account and use of my personal information. I allowed 2 business days before the date of the scheduled transactions, also outlined in their terms and conditions. I received an email back from them XX/XX/XXXX, which suggested I can pay on a different date or schedule. I previously stated to them that I am experiencing a financial hardship, and understand the debt is my responsibility, but do not wish to speak about that matter at this very moment. The time of their email lead me to believe that they were saying they are not going to comply, and continue to charge my account, so I asked. I recieved an email back on XX/XX/XXXX stating that they do, in fact, plan on continuing to charge my account! I informed them that I have revoked my authorization, and it is illegal for them to charge me at this point ... .I 'm still waiting for a response. Because they have shown this far that they do not plan to comply, I had to pay my bank for a " stop payment '', so they cant take my funds.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code XXXX US Law | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  : XXXX
Consumer complaint received 2018-11-13
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: DISCOVER BANK (LA)

I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Consumer complaint received 2018-11-13
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. (NY)

XXXX  XXXX Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. XXXX  XXXX states they are reporting correctly but your agency is reporting it wrong. XXXX XXXX initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY! 

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount XXXX XXXX Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX