davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
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. (MO)

XXXX, Equifax and XXXX are reporting misinformation On my credit report. XXXX XXXX should show a XXXX  balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX  XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Consumer complaint received 2021-07-01
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until 7 years I have over 10 inquires from fraud they I can not take off my credit Wells Fargo refuses to remove a 9 year old credit card off my credit!
Consumer complaint received 2018-02-15
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 (TN)

I signed up for a US Bank Cash+ card on XX/XX/XXXX with the following sign up perks Get {$100.00} bonus after spending {$500.00} within 3 months Get {$25.00} bonus when redeeming your first {$100.00} in a single redemption Get an extra .5 % bonus on all earnings for your first cardmember year All I am receiving is the extra .5 %, missing {$120.00} the fine print was : Existing and previous Cash+ Card accounts do not qualify for this offer This is an online offer only I applied online and never had any business with US bank prior. I made the {$500.00} in spending in the allotted time. I called them because I didn't see the bonus on my account, and they said that there was never a bonus applied to my account. 
They had changed their bonus in XX/XX/XXXX so I couldn't point to their website to confirm it was what it said it was. 

They asked me to fax in any documents I had which I tried to explain that their sign up bonus was well documented among many reputable websites. They claimed they can not open a link. I asked them do they really want me to print out a website and fax it to them. They said they need a physical copy. 

One of the reputable sites that clearly document their promotion XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: TRANSWORLD SYSTEMS INC (IL)

Trans World Systems reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MO)

On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

IC System called me and I requested that they verify the debt and send verification information. They have sent no verification per FCRA. 
I also advised them that the account was likely not mine as it was my ex-spouses account that I would not have been responsible for and had transferred my service to a new service provider. 
I have disputed this account with the credit bureaus, but this company continues to report it knowing it is inaccurate all while never providing verification of the debt.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX upon checking my credit score it was discovered an account I had since XXXX ( CareCredit, Synchrony bank ) was unexpectedly closed. This account was in good standing and had XXXX balance. I made contact with institution and was informed they closed account due to inactivity, high risk, and pulled credit report. My credit is in good standing and activity on account was last used in XX/XX/XXXX and balance was paid in full in XX/XX/XXXX.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/2021 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NJ)

The leased car was returned on XX/XX/XXXX. The monthly lease payment of {$320.00} for that XXXX was paid on XX/XX/XXXX. Kia Motors Finance sent me a letter dated XX/XX/XXXX itemizing XXXX charges that totaled {$850.00} that XXXX said i owe them. Those charges were grossly inaccurate. 

Three of the charges were proven incorrect and XXXX eliminated them. The lease disposition fee of {$400.00} was agreed to. However, the final payment for the month of XXXX remains in dispute. 

XXXX is saying i did not make this payment. So, they want to add {$130.00} for the 11 days in XXXX that i had the car to the {$400.00} disposition fee and say i still owe them {$530.00} XXXX rounding error ). That is NOT TRUE and i sent XXXX a pdf schedule downloaded from my bank XXXX XXXX XXXXXXXX XXXX  XXXX that proves i made the payment. 

Since i made that payment, XXXX in fact owes me a credit of {$190.00} XXXX XXXX - XXXX ) for XX/XX/XXXX. 

Therefor, the final lease end payment should be net {$200.00} XXXX XXXX - XXXX )
Consumer complaint received 2021-07-01
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: Nelnet, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

These people place a fraudulent account from ( XXXX XXXX/XXXX XXXX XXXX ) on my credit report that doesn't belong to me after. I've never done business with these people. My ex-husband and his girlfriend pretending to be me stole my information to get this loan. Her name is XXXX from what I was told by his ( XXXX ) sister. XXXX used an account we had to make payment while she talked to them acting like she was me. I sent the Credit Bureau the police report and 605B! 605B of the Fair Credit Reporting Act, which requires the Credit Bureau to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have provided Equifax/XXXX with the police report and my identity package which they have on file and still they place this fraudulent account on my credit report. I am a victim of identity theft. The information from ( XXXX XXXX  XXXX XXXX XXXX XXXX ) which appears on my credit report. does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identity item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit reporting Act, and send the required notification to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

The situation with Ally Auto began last year during covid. We were offered more than XXXX extension last year due to covid and none of them were honored. It became evident when it started showing up on our credit report. During communication with their customer service, we would repeatedly ask if our account was current and were reassured that we were only to find out later, usually beyond the 30 day past due mark, that it was not. This issue has been continuously ongoing for the past year. Our vehicle ended up in XXXX status in the month of XXXX. Ok, we will make arrangements to pay, catch up and clear our account so that it will not further damage our credit. We worked with a gentleman from their XXXX dept and were given the amounts we were to pay for our account to come out of XXXX status and become current. We made al the agreed upon payments, at the time we were scheduled to make them only to find out today, XX/XX/XXXX, that our account was not current in XXXX, XXXX and XXXX. I honestly think that it is a result of the covid extensions not being honored that has had a ripple effect to now because we have been making monthly payments to this company, in the full amount. I am tired of this company telling me something different every single time I call them. It is ruining our credit and the frustration at this point is inexplicable. No one will help me other than to keep pushing the notion that I am late. I need help and resolution because they are single handedly ruining our credit.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

After being told if I refinanced my loan I would have PMI removed. 
Rocket suggested an appraiser that I used. 
The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ).

After I discovered the error, Rocket suggested I pay for another appraisal.

My annual property tax on the land alone is over 10X the value that was appraised. 
Quicken told me to wait until Freddie Mac was assigned to have it changed. 

After closing Quicken told me that it should have been changed before closing. 

QuickenRocket refuses to correct the problem. 
I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. 

After closing a % of PMI was added back on and the land value was never considered. for 5 more years.
Consumer complaint received 2018-11-14
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)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to XXXX but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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. (SC)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: BARCLAYS BANK DELAWARE (MA)

XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China. 
XXXX delivered to local post office with insufficient address merchandise returned back to merchant. 
XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input. 
XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee. 
XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale. 
merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit. 
XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case. 
Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward. 
Customer sends letter and screen shots of all of these on XX/XX/2022. 
On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''. 
Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale. 
I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (CA)

LendingClub Bank Checking account ending in XXXX are frozen on XXXX. Upon requested, I have submitted all the documents along with explanation of the recent deposits/withdraws. 

My client verified with his bank ( XXXX XXXX XXXX ) the checks are cleared with sufficient funds, and LendingClub bank continue kept our funds frozen without proper notice. 

As of XXXX, the contract between my client and our company is in a halt and incurring consequential delay costs.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing 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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

Synchrony was calling me non stop about my late payments. They asked me why I had not made a payment. I told them that I have been receiving bills late, possibly due to delays at the post office. I also explained that I was having problems with the APP ( See Attached ). The problem with the APP is that it logins in through paypal and sometimes it does not load the LInk to pay your balance and was unable to pay.

I told the agent I would bring the account current if they agreed to waive TWO Late. The agent put me on hold to check my account and agreed to the terms.

I called Paypal back and they advised that they would not do it.