davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX-Balance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00} XXXX XXXX-Balance {$1200.00}
Consumer complaint received 2021-09-27
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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (IL)

Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX XXXX there was a quick pay from my end to someone I do not know. As soon as I found out, I called Chase. I was asked several times if I knew how or why this would of happened. I stated no, no idea. Do I know the person? No. Like usual my money was returned to my account. I had to close my account and get a new account and everything that goes along with getting a new account and closing the old. But now today XX/XX/XXXX I log into my chase online banking and I see that my old account is negative for the amount {$800.00} that was quick paid fraudulently. I call chase and was told that the quick pay was done from a device I use to make these types of transactions so now the funds were returned to the person that essentially stole from me. This is a poor attempt to resolve an issue. I was not even given a call or questioned. My account was just deducted and now sits negative. When I connected over to the executive office, they simply stated that phones and computers should have passcodes. Therefore I am held responsible for this {$800.00} transfer. I have pass words to my computers and face recognition on my phone. Still I was told that the answer is the same. I am out on my money and a thief wins!
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I applied for a Southwest Credit card based on an offer that appeared in my Southwest account. 

Here are " details '' of the offer, copied from the offer : The product is not available to either ( i ) current Cardmembers of any Southwest Rapid Rewards Credit Card, or ( ii ) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. 

The last time I signed up for a credit card from Chase was XX/XX/XXXX. I waited until XX/XX/XXXX to cancel my card ( to make sure that previous bonus payment of Rapid Rewards were more than 24 months as described in details ) My card was declined, because I PREVIOUSLY had a Southwest Credit card. The letter stated that I " may be able to reinstate '', but not eligible for bonus rewards. 

I called twice today and spoke to customer service agents ( who were both nice ) ... but said the same thing : You may need to reapply in 30 days. My credit rating is over 800. I now have a declined credit card on record. I don't want to " reapply '' in 30 days to be told that I'm declined again. I asked to be transferred to someone who could answer directly if I would be approved. 

The first time I was transferred, I was disconnected immediately. The second time I was transferred, the EXTREMELY rude supervisor hung up on me ... after telling me that the call was being RECORDED. 

I tried to explain to him that I don't want to " apply '' again in 30 days if they are going to deny my application. Again, my credit rating is over 800, and that would be a second denial of credit on record. 

At that point, he said : " We don't look at your credit rating, we look at your credit history ''. 

Really??? What that translates to : You've gotten a Rapid Rewards bonus in the past, and we don't want to give it to you again. 

FINE : Then change your " details ''. 

I am CLEARLY eligible for this promotion. Both customer service agents confirmed that my last application was XX/XX/XXXX, and confirmed my card had been canceled.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (KY)

XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from Synchrony Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, Synchrony Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

There were multiple transactions on my savings account. On XX/XX/XXXX there were three transfers to XXXXXXXX XXXX  transfer. On XX/XX/XXXX there were 4 transactions between capital on and trial cr. All these transactions were cents. On XX/XX/XXXX 3 transactions for cents - 2 were to trial cr and one was to XXXXXXXX XXXXl trial. Reported to bank vis phone on XX/XX/XXXX. Attempted to freeze accounts they said they couldnt do it over the phone. Later that day {$22000.00} was transferred to XXXX XXXX 

Also had trouble with my checkings account. On XX/XX/XXXX a fake personal check was uploaded for the amount of {$1900.00} to a XXXX XXXX. On XX/XX/XXXX a fake check for the amount of {$850.00} was cashed for a XXXX XXXX XXXX. And on XX/XX/XXXX a fake personal check for the amount of XXXX was cashed from a XXXX XXXX XXXX. All checks appear to have the same signature on the back.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Consumer complaint received 2019-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Loan Care LLC purchased my loan in XX/XX/XXXX, I never received proper payment info, or where to send payment to until XX/XX/XXXX. I had gotten the address for the new loan company and send payment check was cleared XX/XX/XXXX, unfortunately was applied to wrong account. since I have contacted Loan care LLC multiple times to resolve issue, they told me the funds would be transferred to correct account by XX/XX/XXXX. I made regular payment for the month of XXXX check cleared on XX/XX/XXXX. now I 'am receiving threating letters about foreclosure on my home, I have sent them another payment that they will receive electronically on XX/XX/XXXX. I have now made three mortgage payments in the matter of weeks, as well as made phone calls and emails to try and resolve this issue. they have done nothing but apply my money to the wrong account and send me threating letters about foreclosing my home. even after they told me they would apply the money to the correct account, they are charging me late fees. I have never made a late payment on my loan, or been delinquent on my mortgage ever. at this point of my loan I have been forced to over pay to fix their mistake.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (NY)

I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was told I'm not the original creditor and that I can not extend credit to purchase a vehicle.
Consumer complaint received 2020-12-04
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After submitting an Identity Theft report to Equifax they removed the accounts associated that weren't mine ; this occurred in XX/XX/2018. Just recently checking my credit report on XX/XX/18 they re-inserted the information back on my credit report. According to FCRA law I am supposed to be notified within 5 days and as of today I have still not been notified. I want these items permenantly deleted from my credit file and never reinserted. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Card, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX Card service.
Consumer complaint received 2022-08-05
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. (OR)

On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2021-11-03
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: CORELOGIC INC (NC)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2021-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (KY)

When I received my VA mortgage I was told that I would need to pay my Flood insurance premium one year in advance. approx. {$1700.00} which I did. Mid America Mortgage escrowed that amount and refused to reimburse me. Mid America claimed a shortage in my account and raised my monthly mortgage escrow by some {$300.00} even though my taxes were reduced, my flood insurance had been reduced and my homeowners did rise by {$100.00} per year. After refusing to help me regarding this problem, I changed mortgage companies. Mid America Mortgage still owes me {$720.00} remaining in my escrow account after paying off my mortgage. Mid America Mortgage refuses to send my remaining escrow to me. This is Theft!! 
Please help me resolve this matter. 

XXXX XXXX XXXX XXXX Mortgage account number XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove the listed account below from my personal credit file : MEDICAL - Acct No. XXXX
Consumer complaint received 2022-07-27
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. (MO)

There was a address added to credit report from credit card company from another state. And credit card was opened to that address. Tried to call credit card company but they would not let me do anything because I did not pass security questions that were entered. XXXX XXXX XXXX. I have already contacted Experian and put a fraud on this account. I have never lived in Minnesota
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

To whom it may concern early XXXX I was severely impacted by the XXXX and was XXXX in result of XXXX  from the XXXX  reached out to my credit card provider so I could have my payments deferred it was a hassle to get through to the credit card provider as there was longer than normal weight time I did get through and spoke to a representative from an overseas call center she confirmed that my credit card will be deferred but I should call back at the end of the month if further deferment needed l also call in XXXX as well my credit card provider still reported to the credit bureau that I was late XXXX XXXX and XXXX I also went ahead and bring the account up to current status before the month of XXXX ended. Currently holds three credit card from this particular provider and never been late on any of my account before the mandatory shelter in place order due to the COVID-19 pandemic that was issued by my state and city Thank you for taking my situation into consideration
Consumer complaint received 2021-04-07
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. (IL)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA XXXX this information must be blocked immediately until investigation is over.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

In XXXX XXXX, my ex-husband XXXX XXXX XXXX XXXX used several personal credit cards and made several purchases without my consent. At the time, the accounts were open and the cards were removed from my purse without my permission. When I was notified by XXXX XXXX XXXX, I took immediate action to secure the accounts effected and at the advice of the Fraud XXXX, I pressed charges against my husband in order to have the account accurately updated and the fraudulent account activity removed from my account. 

Due to the fact that we were married and living on a military installation, the local police instructed me to file a report through the military police. I filed the report and forwarded the copy to both XXXX XXXX and Dick 's Sporting Goods. Since then, the accounts have been closed but there are late payments that are still being reported which are adversely affecting my credit.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

On Sunday XX/XX/XXXX I attempted multiple times to add a merchant to my bill payments on the mobile app as well as the website using my computer Citibank mobile app and website continue to have multiple issues after the system locked me out due to Citibank error I called into customer service and was provoked into a very hostile arguments regarding my account in which the customer service agent acted like he can not understand the card number I gave him or the phone number then I called back and got the same agent who act like he could not understand any English when he answered the phone he didn't know if he wants to ask my name phone number or card number the conversation went on tours 10 minutes when I said you know what let me talk to a supervisor because he wanted to continue playing games and then when he came back to the phone then he wanted to try to whisper that the car was being monitored or recorded so either way they have at this point purposefully I feel locked me out of my account and refuse me access to talk to a supervisor so that I can gain access to my own account privileges due to one rude and competent agent and Citibank having some system-wide error with their Mobile Banking and online banking system unacceptable
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I bought an XXXX XXXX XXXX, Fully Unlocked 5.8 '', 64 GB - Silver Sold by : XXXX   {$1100.00} XX/XX/2018 When the package was delivered, there was no phone in the box, just another box. XXXX denied my claim for a refund because the package was delivered. 

But i paid for a phone, not a cardboard box.
Consumer complaint received 2022-07-27
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. (IN)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX and her husband originated a mortgage for their home in 2003. Over the last fifteen years the mortgage has been bought and sold by various lenders. Based on information and belief the last time it was purchased by Nationstar, doing business as Mr. Cooper. It appears that the loan was not credited with at least one payment when the loan was purchased. Mr. Cooper has had a history of reporting delinquent payments to the credit reporting agencies, when no payments were late, or in the alternative claiming payments where 60, 90, or 120 days late when they were 30 days late. Defendant has repeatedly threatened foreclosure, refused to accept and apply payments, demanded payments that were not due, misrepresented the balance due, threatened foreclosure when Plaintiff refused to enter into a 40 year loan