davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you
Consumer complaint received 2020-05-07
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. (AR)

I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (OH)

I had an issue with a company ( BEST BUY/CBNA ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a zero balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that BEST BUY/CBNA had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called XXXX to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to XXXX  disputes center we are currently closed ''. Are my calls to XXXX  being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that BEST BUY/CBNA is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit.  Thank you for any help you can offer!
Consumer complaint received 2018-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WI)

I submitted a request to coinbase on XX/XX/XXXX at XXXX stating that my account may have been compromised because I did not recognize a CC that was associated to my account. Literally 3 minutes later at XXXX on XX/XX/XXXX I emailed and stated that I remembered the account was a disposable credit card that I tried to link to get the funds off of. I did/do not have access to see transaction details for the card because it's just a prepaid cc so I was unable to see deposits to the card to verify it. 

Coinbase then locked my account. I emailed them multiple times trying to get my account unloacked. I have not received any response from them in over two and a half weeks. I emailed them on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. I have received no response. I have contacted they're telephone support number and they continue to tell me that there is nothing they can do. They will not provide any means in which to contact the department that is responsible for unlocking my account. 

They are holding my money hostage, I am unable to access my funds and they are doing nothing to help me.
Consumer complaint received 2018-03-24
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: LEXISNEXIS (MO)

I disputed a bankruptcy with XXXX  requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a 3rd party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with Lexus Nexus nor do they have any permission to verify any information that may pertain to me. XXXX can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Consumer complaint received 2017-12-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo home Mortgage loan # XXXX this loan was forged by Wells Fargo Mortgage Notary/Notary agent I have enclosed a document this is not my signature on the all California ALL purpose Certificate of Acknowledgement I did not sign nor agree to this nor did I give any one permission or power of attorney to act on my behalf I 'm in the process of taken legal issues on forgery by the bank am
d other issues
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was told the {$77.00} interest charge for XX/XX/2018 would be credited back to me and I am getting the run a round. First, JCP.com charged me for 2 couches I did not get. Then it took them over 2 and 1/2 months to correct. The entire time, these charges were on my credit card. I was offered interest charge rebates for this and I accepted and then they refuse to live up to this promise.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

ON XXXX XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH EQUIFAX FROM XXXX XXXX, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED XXXX  XXXX, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED EQUIFAX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX
Consumer complaint received 2017-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Buys and deposits are disabled in my account on Coinbase without any reason.

I contacted Coinbase support but they do n't answer. In my wallet there are XXXX and they have verified my phone number, my ID and my banck account. So there 's no reason I ca n't buy cryptocurrency.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC (CA)

This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
Consumer complaint received 2020-05-06
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. (NJ)

XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.
Consumer complaint received 2020-05-06
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: ALLIANT CREDIT UNION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (DE)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I submitted a compliant to Equifax asking them to investigate the inaccurate bankruptcy their agency is reporting, I have submitted documents to support this claim but I never heard anything back from the Bureau nor was the Bankruptcy verified, with verifable proof that I requested, This Bankruptcy does not belong to me, but someone with similar name.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX   business struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I have contact IC Systems and the credit bureau to share that this debt in the amount of {$3300.00} is not mine. This is my spouses debt. He received XXXX XXXX from XXXX XXXX and signed to pay for the dental work and is legally responsible for the debt. XXXX just recently followed up on this dispute and closed the case shared that it is valid when it is not valid.
Consumer complaint received 2020-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (GA)

I contacted Greensky on XXXX XX/XX/XXXX and provided the documentationed they requested on XXXX XX/XX/XXXX. I have not received any communication from them since then. I emailed my contact at Greensky on XXXX XX/XX/XXXX and have not received a reply.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TX)

I pulled my credit reports. On all the reports it shows I have negative and a late account with Ed Financial. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX  and XXXX. All came back verified. I called Ed Financial, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Consumer complaint received 2018-03-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Weve had an FHA Loan through Wellsfargo since XXXX, in XXXX I retired from the XXXX XXXX XXXX, During the 4 months that I was forced to wait for a new job to start, we communicated with Wellsfargo About making payments. To which we were Assured that THEY Work with Vererans and we could Count on Them To Process the paperwork and Help Us. Well After 8 Months We Ended Up Paying The Owed Money with our Taxes, Because THEY Said we didnt Qualify For The Help. Now Here We Are In XXXX On XX/XX/XXXX Hurricane IRMA hit And our house was/is Damaged. We were told that XXXX XXXX and XXXX House Payments would be suspended, and could be DEFERRED to the End of our loan. We applied Right Away to have that done, but were told we would have to wait until the End Of The 90 Days. We were CURRENT on our Payments Before And We Started RIGHT After the 90 Days. Wellsfargo Assured Us AGAIN that they would be able to help us. Well we have EMAILED the Paperwork 4 times!! FAXED the paperwork 3 Times. AFTER all of these months I WENT AHEAD AND PAID THE PAST DUE AMOUNT IN FULL.. After CASHING A 401 K That I Took PENALTIES ON COSTING 1000s And on XX/XX/XXXX Wellsfargo REPORTED Our LOAN AS DELINQUENT! So our House Is STILL DAMAGED but We Cant RENT NOR CAN WE BUY A NEW HOME Because OUR CREDIT IS DAMAGED AND IN LIMBO!! Even though WELLSFARGO has Supposedly Been Working On Helping Us, And If Thats True, Why Report It?

I Believe Its A SCAM Because AS USUAL they Say There Are Problems With The Paperwork ( Hench the 7 PLUS Times Weve Sent Them The Paperwork ) They XXXX With People Until They Get The Money Anyways And Ruin Peoples Credit SO YOU CANT GET A LOAN WITH ANYONE ELSE!! Even when I Made The Payment, They Only Take Checks.. After I Told Them The Routing Number AND They Repeated It Back, THEY TYPED IN THE WRONG ACCOUNT NUMBER!! So after Waiting 2 WEEKS for the 90 Days Back Payment To Clear My Checking Account.. I HAD TO CALL THEM TO FIND OUT WHY IT HADNT CLEARED! So NOW I have to Wait Another 3 TO 5 BUSINESS DAYS for THIS Payment to go through!! In the meantime MY WIFE OUR 2 DAUGHTERS AND Myself ARE HOMELESS!!! And we CANT MOVE INTO A NEW PLACE UNTIL WELLSFARGO UPDATES C.A.I.V.R.S.!!!!!!!!!
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

OnXX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college.

They told me, it was a account that was canceled by the government.

But it is on my credit score, and it is hurting my credit score.

Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
Consumer complaint received 2020-05-05
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. (FL)

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I borrowed {$190000.00} from Quicken Loans/Rocket Mortgage to refinance the mortgage on my condominium. The loan closed on XX/XX/XXXX. I checked with the County Recording Office and Quicken recorded a mortgage on XX/XX/XXXX for {$190000.00}. The problem is that the original mortgage has not been cancelled. Right now it looks like there are 2 mortgages on my condominium. I contacted Quicken and they told me that there is nothing that they can do about it. Quicken provided the closing agent for the Loan. Why hasn't the original loan been cancelled and the mortgage marked satisfied? Did they pay off the first mortgage?
Consumer complaint received 2017-09-09
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. (WA)

Recently Equifax reported a hack that compromised the personal information of some 148 million people, me included. This hack went undisclosed to the public for almost a month leaving all those people vulnerable to identity theft as they were unaware and likely did not take steps to protect themselves. The fact that they waited so long to inform the public is extremely negligent.
Consumer complaint received 2022-10-04
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 act XXXX XXXX XXXX  Account Number 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 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be resolved.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (WA)

I have been working on my credit in order to purchase a house for about two years now. I am finally at the point to purchase a home and have two out of six credit cards that I closed left reporting on my credit report. I have written into the credit card companies, I have disputed through the credit bureaus and I can not reach a resolution. I need help. Four out of six cards were deleted with no problem that technically should still be reporting but for some reason the credit Bureaus will not remove the last two cards and they are negatively reporting on my credit even though theyve been closed for over two years. I am really hoping this helps because I am desperate thank you.