davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXXXX
Consumer complaint received 2021-10-13
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. (TX)

Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

I open a account with XXXX on XX/XX/2016.current amount {$1300.00} Ive been on financial hardship and arent able to pay. I was never notified on how to dispute this. I have tried calling to settle but havent come to a conclusion.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (NV)

On XX/XX/2021 I opened a business bank account and secured credit card with Bank of the West. They later denied my secured credit card, even though I provided all the necessary documentation and funding. The business bank account remained open, but has been disabled by Bank of the West twice now in as many months due to an inadequate notification system. I requested both times of deactivation that Bank of the West send me a relay text so that I can confirm the validity of any questionable purchase with a simple YES/NO reply, to which they declined to accommodate. As a result, I requested to close my account, to which they claim I can not do online or over the phone. I do not have a car, and can not afford time or money wasted to be forced to go into a branch.
Consumer complaint received 2022-06-27
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-13
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. (FL)

XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry XXXX XX/XX/XXXX ( XXXX didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) 6XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXXnquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these XXXX and XXXX am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX )
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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 2022-06-08
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. (TN)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX some used my capital one card and paid it off then the payment returned. They sent me an email saying call them and verify my payments which I did then they unlocked my account. 2 weeks later, my account is restricted again which they keep telling me verify a payment I have no clue about. As I keep telling them i dont know, they keep beating around the bush telling me I need to go find the person who did and until then my account is gon na stay restricted. Ive even had representative tell me change up my story and they might be able to work with me which I did cause I was so desperate to just get my account back. Ive never had a problem with them till now. Unfortunately they ended up closing my account causing my credit score to drop bad which is now affecting me. Pleas tell the fix this
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, XXXX XXXX  of XXXX inu token which worths {$170000.00} as of today XX/XX/2021 was removed from my coinbase wallet without my authorization. subsequently Ive contacted coinbase customer service just to be told to close my account and open another one.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that Jefferson Capital Systems , LLC was the debtor and the debt description was XXXX for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Due to their failure to investigate and respond to this issue in a timely manner ; I am asking for all the items listed in my dispute letter to be removed from my credit report. I am uploading proof of my dispute letter and also a receipt of the bureaus receiving my demand to comply which i sent via certified mail with tracking
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (CA)

On XX/XX/2022. Someone went into XXXX XXXX in XXXX XXXX CA. They opened another account in my name. Now I'm stuck trying to pay off the merchandise I never received or applied for. This company Acima everyone complains about. Also I heard some of their employees took people 's identity and used it. I'm just trying to figure out a way to pay them back so that it's doesnt go against my name or credit.. I'm already financially strapped for cash. So if there is a way for this to be resolved I'm willing to work with them.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I called in early XXXX to close my Citi Advantage account and they dooped me into transferring into another AAdvantage Mileup Card with an annual fee. I called several times about this annual fee that was not disclosed and on XXXX its still reflecting as a balance on my card. Apparently there is a problem with your system waiving this fee and have requested this account be closed. If you can not properly transfer credit card accounts without charging people annual fees that were not disclosed then maybe you should not be cross selling credit card to customers.
Consumer complaint received 2022-06-08
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. (NC)

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please, the following names needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the account needs to be removed : XXXX XXXX XXXX A copy of my Bank Statement, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-08-12
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2021-10-12
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: U.S. BANCORP (VA)

Card company closed may account and did not notify me that they were going to do so. 
Now they will not provide statement copies. I did not have statements mailed as i could get them on line
Consumer complaint received 2021-10-12
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have attempted to repay my student loans in full. 

Besides my regular payments I have attempted to make principle payments allocated to an account to pay off that loan early. 

They have repeated taken that I given them and applied it to another account though in a way I did not instruct in order to keep both accounts open and charge more interest. 

This also discourages people from trying to pay down one part or the higher interest loans early. 

I have spoken with the company but they are unwilling to help resolve this issue.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (UT)

I purchased a {$500.00} XXXX XXXX XXXX from XXXX. The issuer of the prepaid XXXX is USBank. I gave this as graduation gift. When the recipient went to use it, she was told that it has only {$0.00} on it. I have talked with XXXX  three times. They state that they activated the card properly on their end it I have to deal with the XXXX issuers. I have talked with them twice. They tell me it has been put on " fraud monitoring '' hold and I have to submit several documents before they will unlock the card. This makes no sense, they don't know my name anyway. I do not know this issuing institution, I do not want to give them a copy of my Driver 's License, my granddaughter 's name, etc. 

The keep repeating that it has been put on fraud alert. I asked them who put it on alert and why. All they will say is that their fraud department flagged it. They are asking for my name, my ID, my granddaughter 's name, etc. They have no business asking for this info. I paid for the card and it was activated at the check stand. 

I am caught between XXXX being unwilling to help and USBank asking me for a lot of information that is unnecessary!!
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act US DEPT OF E/XXXX Account # XXXX, US DEPT OF E/XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account 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 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 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, has violated my rights. 

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
Consumer complaint received 2021-10-12
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: Chime Financial Inc (OK)

On XX/XX/2021, I placed an online order that I did not receive. I informed chime bank via an online dispute on XX/XX/2021. They ( the bank and merchant ) denied my request after sending proof my package was never received and not at my fault. They will no to send my refund. The bank refers me to the merchant and the merchant refers me to the bank. Please help as this appears to be shady business practice on both entities ( chime bank and merchant-XXXX  XXXX ) .
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit Reporting act, Transunion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX XXXX  ending in # XXXX on file AND a late payment for my XXXX XXXX XXXX  beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.
Consumer complaint received 2021-10-12
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. (MI)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Consumer complaint received 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My mortgage was transferred to Fay Servicing in XXXX of this year. Fay servicing then sent me an escrow analysis in XXXX letting me know my payment amount would decrease to XXXX starting with the XXXX payment. I have made XXXX and XXXX payments to Fay servicing. The XXXX statement that I was given dated XX/XX/22 also states my payment for XXXX is XXXX. I log on regularly to check so I know that Less then 2 days before XX/XX/XXXX, Fay Servicing has increased the payment amount due for XXXX to XXXX. An increase of XXXX. They have given no explanation and no notice. They have not provided a payment breakdown or a revised escrow analysis. Based on the escrow analysis and the billing statement provided to me in XXXX I have budgeted accordingly and now I am not able to make the new payment. 

I am and have been aware of the mistake Fay Servicing made when completing the escrow analysis and the reasons why the payment is increasing. I have logged on almost every day to see when this error would be corrected and when they would notify me of any changes. I would like Fay servicing to explain the mistake that they made in the response to this complaint and why they changed the payment less then two days before it was due without any notice to me. I would also like a solution given I am not able to make the new payment since Fay servicing has failed in every possible way of doing the one job they are there to do.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

When originally applying for my mortgage, I submitted an offer to Quicken Loans that was submitted to the sellers. On the documents it clearly stated that I was using a conventional loan. After a week, they submitted me for a FHA loan without telling me or following what was clearly stated in my paperwork. They then contacted the listing agent stating my credit was so low I didnt qualify for an other loans. They withdrew funds from my account under false pretenses of the service that I was receiving.
Consumer complaint received 2022-06-08
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: MARINER FINANCE, LLC (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-27
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: CITIBANK, N.A. (FL)

XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX CITIBANK N A // XXXX 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 XXXX XXXX XXXX XXXX please delete