davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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 (GA)

I have tendered 7 negotiable instruments to U.S. Bancorp c/o ELAN FINANCIAL SERVICES for a MASTERCARD and XXXX XXXX charge card on the following dates : XX/XX/22 two money orders ; {$600.00} & {$6000.00}, XX/XX/22 2 endorsed A4V statements ( delivered XX/XX/22 XXXX ), XX/XX/22 XXXX endorsed XXXX and conditional acceptance ( sent to XXXX XXXX c/o ELAN XXXX, XX/XX/22 XXXX accepted and mailed to ELAN for {$16000.00}, XX/XX/22 XXXX endorsed A4V. 
ELAN FINANCIAL SERVICES has admitted receipt of tender on two occasions but has not applied the amount to the balance, and the instruments have not been returned. 
A notice of fault has been mailed to the CEO and CFO and a response has followed disregarding the tender and full satisfaction of the account. 
In addition to their DEFAULT, ELAN has incorrectly and fraudulently reported a late payment to the credit bureaus in violation of 15 U.S. Code 1681g. I have also requested a w9 and 1099-oid, full accounting and my request has been REFUSED on 3 occasions. 
U.S. Bancorp c/o ELAN FINANCIAL SERVICES is in violation of UCC 3-104 , 3-306, 3-311, 3-603, and 15 U.S. Code 1666, 15 U.S. Code 1681sec. - 2 ( 7 ) ( A ) ( E ). 
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX and XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 ( they may only report crimes, not debts ) 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 2022-10-09
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. (NC)

In accordance with the fair credit reporting act 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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I filed a CFPB complaint on Equifax Information Services LLC advising Equifax of the uninformed use consumer made when I entered an agreement with the following XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX. The companies failed to clearly and conspicuously the credit terms. Nor did the companies provided me an adequate notices. On XX/XX/2022, I received in the mailed a letter dated XX/XX/2022 stating that my proof identity does not match the information we currently have on your credit file. I am submitting w-2 from my employer and a billing statement from XXXX. I am submitting here all the information that is being requested by Equifax Information Services LLC.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

Us Bank Reliacard for PA PUA unemployment has on numerous occasions frozen my card without proper notification as well as emptied my account for XXXX on XX/XX/XXXX and supposedly sent a check for that amount, which I never authorized or requested to begin with, and I never got that check. They froze my card without notifying me from XXXX until XXXX so I could not access my funds which PUA PA Unemployment was adding my weekly benefits to every week. However USBank Reliacard would not let me access those funds. They told me I had to send in verification that I was indeed XXXX XXXX which I did numerous times. Then when they finally unfroze my card with in a week they then took all my money out of the account and put it in above referenced check that I never received that was on XX/XX/XXXX and they have still not fixed the issue or reimbursed me the money. Then yesterday 2 days before XXXX they once again froze my card without notification when I finally did get ahold of a representative they said I needed to once again verify my identity. They have caused me to get evicted from my home, gave me no type of reimbursement for money they stole out of my account. Now I once again can not access my money and they still have not sent me my XXXX that been missing since XXXX. I have not been able to pay my bills buy groceries get basic necessities all during a pandemic. They should be ashamed of the way they conduct business and should be shut down. They steal from vulnerable good people and do nothing to correct it.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (GA)

I received a solicitation for a credit card from Upgrade.com with an {$8000.00} limit. I applied for the card in XXXX and received the card in the mail. I have never used the card ( I wanted to do some things around the house ). I just looked at the account yesterday and saw that they had a balance of {$6500.00} and I found a phony loan document with my name signed by Upgrade , Inc . I never received any money and never asked for any and never used the card. I tried to call them a couple or times but I was put on hold with no response and the call disconnected. The loan document is dated XX/XX/2021 and I have not communicated with anyone in their company since XXXX. I didn't receive a billing statement in the mail but when I looked at my account they had a billing statement for {$200.00} and asking me if I need financial assistance. This is a complete fraud and I can't get in touch with anyone at that company with the phone number provided. The company name and address is : Upgrade, XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX URL Upgrade.com I have no intention of re-paying money I do not owe for a loan I never received. Why do they think they can get away with something like this?
Consumer complaint received 2020-12-25
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. (CO)

XXXX  HAS TOLD ME THAT THEY WERE GON NA REMOVE THE FRAUD INQUIRES ON MY CREDIT REPORT ABOUT 6 MONTHS THROUGH PREVIOUS COMPLAINTS AND I TOLD THEM I DONT WANT A FRAUD ALERT ON MY FILE DUE TO PROBLEMS IVE HAD IN THE PAST AND I CANT EVEN CONTROL THE LOCK AND ALERT FEATURE MY CREDIT MONITORING HAVE. WHY IS THAT. I HAVE OVER 100 INQUIRES ON MY MY XXXX  CREDIT REPORT DUE TO NOT BEING ABLE TO LOCK MY REPORT ON THE APP. I CAN WITH XXXX  AND EQUIFAX. THAT IS WHY I DONT HAVE MANY INQUIRES WITH THEM BECAUSE OF THAT FEATURE AND I CANT EVEN GET MY ANNUAL FREE XXXX  REPORT FROM THEM.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau/Equifax information services Llc . Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.
Consumer complaint received 2022-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

In XX/XX/2022, I satisfied the XXXX XXXX  payment requirement to have my loans forgiven by way of public loan forgiveness. After several months of not hearing back on the status of my forgiveness, I called and was informed in XXXX that Fed Loan servicing inadvertently made a mistake, rejected my application to forgive my federal student loans, and failed to provide notice. 

My name on my federal loans is XXXX XXXX, my maiden name. 

On XX/XX/2022, I called for at least the XXXX or XXXX time to follow up on my application. On that date, after numerous confirmations that my application would be approved, they caught their internal error and then approved my loan forgiveness. They further explained my balance would be forgiven in a matter of days, and that I would receive a letter of confirmation. 

It has now been several weeks. I make calls almost daily to see why my loan balance has not been discharged, despite my approval. No one can give me any information or any timeline. 

Today, Ive been put on hold by XXXX separate people, in excess of hours. No one can provide me information on why my balance has not been forgiven. They say they can not provide a timeline for when this will be done, but have confirmed that I have satisfied all necessary steps for the loans to be forgiven. 

I have called at least three dozen times in the past several months. This delay in performance of loan forgiveness on their end is devastating to me, as I am desperately waiting to have this XXXX plus balance forgiven. This is having a tremendous impact on my credit score, which is in turn, inhibiting me each and every day from moving forward with purchasing a home and a car.
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Put an order through coinbase. Coinbase put a 9 day hold on my transfer. I called them before transaction went through and they said I could not cancel. The digital asset in question has yet to be rendered to me and refused to cancel my order and said they would take the money out of my bank anyways. They said there was no way to cancel an order. They just take your money and give you the asset when it is worth far less.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal. 

I have had a Paypal account for a good ten years plus now using my email : XXXX Today, I was REQUIRED to enter a mobile phone to access my account and I don't have one b/c I am XXXX  and find that using a mobile phone quite difficult. 

I telephoned Paypal customer service and spent 1/2 hour with them and they eventually hung up on me. 

If I can no longer access my account ; I would like to close it but I am FORBIDDEN from reaching to Paypal without logging onto their system and I CAN NOT b/c I do not have a mobile phone. 

Can you request that Paypal close my account or give me a telephone number for someone at Paypal who will not hang up on me? 

Thanks,
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are alledge inquiries showing on my report. For which I do not recognize Pursuant FCRA 604 I am demanding the removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-12-24
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. (CA)

I have sent several letters in writing asking for corrections on my credit report with Equifax. I have ask Equifax to remove address that are obsolete and incorrect. I have asked Equifax to correct the information regarding my address and employment information. I am not self-employed or retired. I am XXXX  XXXX and have been for over 10 years now. I have sent proof that I have had identity theft and I I have not received any updated letter or email correction of that information. I am login to the my.equifax.com website with out receiving an error message several times before being able to reach my report screen. I have only been able to reach a customer service representative once early this year in XXXX or XX/XX/2020. I have been disputing information the information on my credit report via online and in writing for seven months and they only keep returning that the information is valid and not removed the incorrect information. They have not provided any variable information to me only an update online when I am able to get to my report screen.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-09
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. (AL)

Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

I NEVER gave Equifax any written instructions to furnish and/or apply any information on my consumer report which is a violation of 15 USC 1681b . Equifax has caused severe stress and anxiety due to the abusive and unfair practices. I have requested this false information to be removed from my report and they have failed to do so. My demand was issued XX/XX/XXXX for the alleged XXXX XXXX XXXX XXXX in the amount of {$13000.00}. 

Equifax has broken the law by report medical accounts to my report. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Equifax has not validated nor verified that I owe the alleged debt. I have requested for original documentation to be produced and sent to me for verification, this has been a total fail on Equifax part. This demand was issued XX/XX/XXXX for the alleged debt of {$210.00} by XXXX.
Consumer complaint received 2022-10-09
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)

The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

XXXX Total due XXXX Letter was sent but no response XXXX Total due XXXX XXXX was sent no response Equifax Total due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Consumer complaint received 2020-12-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months  term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX. 
The letter from Marcus didn't provide me with any reason as of why my account will be closed. 
I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank. 
I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX. 
I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/2020 my accounts with Chase Bank was frozen. I have six accounts at Chase which one of the accounts is a custodial account. I awaited to hear from Chase whether it be by mail, email or phone to no avail I did not receive any sort of commuication from Chase regarding the hold on my account. On XX/XX/2020 I contacted my private client representative and left a message for XXXX last name unknown. On XX/XX/XXXX XXXX contacted me I explained to her that my account was frozen and have not been given any reason as to why it was on hold. XXXX advise she will look and investigate the matter further as she was not able to see any notes on my file as to why the accounts were being held. 
On or about XX/XX/2020 I made a visit at the branch located at XXXX XXXX, XX/XX/XXXX New York. XXXX attempted to contact the back office and was not provided any information as to why my account was on hold. XXXX and I contacted the back office again that day and still was not provided any information as to why my accounts were on hold. I requested to be transferred to the executive office, the executive office opened a ticket and advised they would look into this matter further. 
On or about XX/XX/2020 I received a call from a gentlemen XXXX XXXX or XXXX XXXX from the executive office acknowledging receipt of my call and was told they are working on looking into my account being held. On XX/XX/XXXX I received another call from the executive office and was told he was not able to do anything for me nor had any information as to why my accounts were on hold. 
Here we are XX/XX/2020 I have not heard anything from Chase at the very least a letter or anything. If in fact a lien was placed on my bank accounts, I do have the right to contest its validity. Furthermore Custodial accounts that are true custodial accounts can not be levied for debts of the custodian. I am requesting a full investigation as to why my accounts are being held, I have no issue with Chase conducting their due diligence however, I do need some sort of resolution as to when this will be complete.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Avid Acceptance, LLC (GA)

I brought my car from XXXX XXXX XXXX in XXXX Ga XXXX - XXXX My car was stolen XXXX because I had XXXX XXXX XXXX the car was not covered under my insurance and gap would not pay because the insurance would not pay the carto date has not been recovered fast forward 2 years later AVID Acceptance knowing the car was stolen is still reporting late payments on my credit report on a closed account severally damaging my credit making this horrible situation, I was in worst every time I look at my credit I'm forced to relive that horrible day I could have been killed.
Consumer complaint received 2020-12-24
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. (FL)

I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (SC)

PayPal won't allow me to close my account. 

I tried to buy a XXXX toolbag and a scammer never sent it but PayPal stated they did by regular mail. 
I was sent no Email or tracking for the bag. 

I have the United States XXXX XXXXXXXX XXXX and it showed nothing delivered I screen shot it and sent it but no response. 

So I paid it and tried to close the card but instead they charged me for a physical card for XXXX.
Consumer complaint received 2020-12-24
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. (OH)

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX