davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-23
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. (AL)

In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus Equifax and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2016-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CA)

I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

I had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX XXXXo link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
Grain has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information
Consumer complaint received 2022-02-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MA)

On XX/XX/22 I was notified that my Venmo account was charged {$69.00} by XXXX. I immediately disputed the transaction since I do not actively use my Venmo debit card now do I use Venmo on my XXXX account. I provided screenshots of my XXXX account showing no transactions for {$69.00} or transactions that add up to that amount. Venmo cancelled my debit card and provided a temporary credit for that charge. Then on XX/XX/22 I received another email from Venmo saying the XXXX XXXXharge was updated to {$130.00} and I again submitted a dispute. The email from Venmo detailed two separate charges of {$69.00}, the first transaction has a date of XX/XX/22 and the second on XX/XX/22. I had then received another email from Venmo from the dispute team saying if I didn't hear from an account specialist on XX/XX/22 to reach back out, I gave them a few extra days and still had heard nothing. On XX/XX/22 I reached back out for an update and on XX/XX/22 Venmo stated that my dispute was denied and to check my inbox for details, I checked my inbox and received no emails with the denial. I responded back since I know the total of {$130.00} was in fact fraud. Venmo asked me to further information proving why I was appealing the denial, I again sent the screenshots mentioned above - since it was unauthorized I do not have further information. On XX/XX/22 I received another email from Venmo saying they can not appeal my dispute without further information since I don't have evidence from XXXX that the charge was fraud.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these accounts.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IA)

I applied for and was approved for the XXXX XXXX XXXX card on XX/XX/XXXX. The terms of my application said that I would receive a bonus of XXXX thank you points if I spent {$4000.00} in the first 3 months which I did. I never received my bonus and when I called XXXX to find out why they told me that the terms say I am not eligible for the bonus if I have opened or closed an account for the same product in the past 24 months. I checked my credit report and the last XXXX XXXX XXXX card that I had in the past was closed in XXXX of XXXX which makes it clear that 24 months had passed and I was eligible for the bonus. XXXX 's response was that since I had been an authorized user of my wife 's card in the past 24 months I was not eligible. I did not own that account, my social security number was never given when my wife made me an authorized user and nowhere in the terms and conditions of my application did it say anything about not being eligible for the bonus if you were an authorized user on somebody else 's card.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX XXXX XXXX {$11000.00} UNIVERSITY XXXX  XXXX XXXX  XXXX {$580.00} XXXX  XXXX UNIVERSITY XXXX  XXXX {$75.00} XXXX XXXX  UNIVERSITY XXXX  XXXX {$980.00} XXXX XXXX UNIVERSITY XXXX  XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} ATRIUM XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$130.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Ashton & Weinberg, Inc. (AZ)

The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.
Consumer complaint received 2015-09-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (GA)

We started a short sale process with Dovenmuehle Mortgage of XXXX XXXX Illinois in XXXX of this year. They have delayed the completion of this process over the last 3 months. Short sale was necessary because they had refinanced my mother 's property for more than it was worth at the time and left her with more debt on the property than a normal sale would pay off. She had to move out of her house due to declining health and had to resort to short sale to keep from going further in debt with a normal sale. Attached are the requests for information which have all been supplied by our agent with no results.XXXX XXXX, 2015 Appraisal was conducted XXXX XXXX - follow up if Report was back with them XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - A representative said that the file was submitted for review to FHA on XXXX XXXX XXXX XXXX - still no decision, file with FHA XXXX XXXX - still no decision, file with FHA XXXX XXXX - Still no response and the buyer is already anxious to have the closing
Consumer complaint received 2022-02-23
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: CITIBANK, N.A. (NY)

On XX/XX/2022, I purchased a XXXX ( order number XXXX ) in the amount of {$3500.00}, which posted to CitiBank XXXX XXXX account on XX/XX/2022. The bed was purchased for XXXX XXXX XXXX, who is diagnosed and suffering from Stage XXXX XXXX and undergoing XXXX. Originally, the bed was scheduled to be delivered on XX/XX/2022. The delivery date was then postponed to Monday, XX/XX/2022. However, the driver then called and informed her they couldnt deliver the bed because it was damaged. ( See photos ). The delivery was then changed to XX/XX/2022, and then XX/XX/2022. On the XXXX failed date of delivery ( XX/XX/2022 ), XXXX XXXX XXXX received a call from the driver advising that the bed could not again be delivered because it was damaged. Please be advised that XXXX XXXX did not ever receive the merchandise as the drivers refused to even attempt delivery due to the damaged condition of the merchandise. I called XXXX numerous times and dates ( I have proof of the phone calls and various emails ) to obtain a resolution of this matter. I was advised by XXXX of XXXX on XX/XX/2022 that the bed would be delivered via XXXX XXXX and would be delivered undamaged on XX/XX/2022. The bed was then scheduled to be delivered on XX/XX/2022, between the hours of XXXX XXXX pm. I have repeatedly emailed and called ( see attached emails and photo proofs ) XXXX in a good faith effort to resolve this situation, to no avail. XXXX keeps promising to call me with an update and never do so. I have exhausted all recourses with XXXX. Now they won't return our calls. We want a refund as we have not received the XXXX we paid for! I have contacted CitiBank to have them fully refund the amount on my debit card as we have not received the bed that was purchased for a XXXX patient.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # 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 2022-02-23
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: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account B-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX DIST CT Bankruptcy XXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account 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 written instructions.
Consumer complaint received 2022-02-22
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. (DE)

Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX  XXXX. I will upload current license in which i have lived for XXXX  years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I received my XXXX Targeted ( {$10000.00} ) and Supplemental Advance Grants ( {$5000.00} ) in my account back in XXXX of XXXX. My account was closed due to Citibank saying that I can not get a loan deposited into a personal account. First and foremost IT WAS NOT A LOAN it was a GRANT that I was approved for through the XXXX. So first order of business was Citibank would not give me any type of information about my account and said that it will take 60 days for them to close my account and the remaining funds will be sent to me via a check. 60 days came and went ( XX/XX/XXXX ). I kept calling and calling and getting the same run around, the customer service reps seem to not have any information about my missing money. So I sent an email to their executive response unit and received an email a few days later asking me to send in a proof that I am eligible to receive the loan. Citibank wanted to me send in a professional license ( because I am a barber ) WHICH I DID. They wanted me to send in proof of my business being established before XXXX WHICH I ALSO DID. They send me a response saying that they still WILL NOT send me my money that I am eligible for and that i rightfully received from the XXXX last year. IT IS NOT THEIR PLACE TO HOLD MY MONEY IN A ( LEDGER ) ACCOUNT AS THEY CLAIM. It is not up to them to screen me on money that I already was approved to have from the XXXX, and it definitely is not their place to hold the money against my will and not tell me anything about whats going on. This has been going on almost 5 months and they still are holding money that is rightfully mine somewhere that I have no idea about. I received an email from Citibank on XX/XX/XXXX, stating that I need to FAX them a written letter to authorize Citibank to return the money back to the XXXX. I have tried to fax the letter all day and it fails everytime I try to fax it. I believe the number I was given to fax IS NOT VALID. After doing everything I was told to do to receive my funds they still have yet to send me my money and its starting to seem intentional and I am so frustrated with them.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I applied for a CHASE Visa Signature business card on XX/XX/2022 and was denied. Reference number : XXXX I believe i was discriminated against in my application. CHASE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. I have contacted CHASE by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. CHASE is in violation of 15 U.S.C 1642, 15 U.S.C 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CHASE. I am aware of CHASE and their procedures and policies, but they do not trump Federal Laws. If CHASE fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CHASE criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o. ( {$1000.00} per violation )