davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (OK)

I have this issue with both Equifax and XXXX. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both Equifax and XXXX DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. Equifax AND XXXX reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank closed personal checking account alleging unemployment benefit fraud on XXXX. Chase Bank statement states " XXXX XXXX Check '' issued on XXXX in the amount of {$5900.00}. I still have yet to receive this check, and Chase Bank refuses to provide me with an image of it as proof that it exists.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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. (MS)

FIVE months ago, Equifax and XXXX BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to Equifax and XXXX   for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.
Consumer complaint received 2018-07-23
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: DISCOVER BANK (NJ)

XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

MONDAY XX/XX/2021 XXXX XXXX Email : XXXX Dear Chase, On Wednesday XX/XX/2021 @ XXXX I checked my Chase accounts. 
It was then that I noticed my identity theft. 
From my checking account ending in # XXXX, I had {$480.00} remaining from its original {$930.00}. 
From my savings account ending in # XXXX, I had {$780.00} from its original {$49000.00}. 
My account ending in # XXXX was not affected @ {$500.00}. 

I started calling Chase immediately around XXXXXXXX  but it took 7-1/2 hours to report everything due to horrible phone connections, being put on hold for endless minutes, and in complete information on the Chase end. 
Friday morning, XX/XX/2021 @ XXXX ( approximately ) 2 policemen came to my place of business XXXX XXXX XXXX XXXX to take my report : Officer XXXX XXXX Officer XXXX XXXX Incident No : XXXX Unit No : XXXX After this meeting, I called Chase bank to request an appointment. 
I started calling around XXXX but no one ever picked-up nor was there a voicemail. I called 3xs and then decided to go to the bank at lunchtime only to be told I needed an appointment. I went back to work and then returned for my XXXX appointment. Chase wasted 4 hours from my working due to Chases lack of customer service and phone directions. 

At XXXXXXXX  I returned to chase for my appointment and was assigned to XXXX XXXX Assistant Vice President. She was most excellent with her knowledge, efficiency, patience, compassion and calm, personable demeanor. 

The new accounts illegally set-up under my name are : # XXXX # XXXX # XXXX The people I spoke to throughout this ordeal on the phone are ; XX/XX/2021 XXXX First Support Specialist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 Friday I went to Chase Bank to discuss this matter in person. 
XX/XX/2021 I still have not received my money.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (IL)

I received a moneylion back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Transaction Id XXXX and Case ID : XXXX I would like to escalate Case Id : XXXX to your office. 

A summary of the case is : Seller is ebay seller with a history of misfit items and selling cheap plastic junk. Many of ebay feedback has been removed mysteriously by seller including mine. So looks like they know how to game XXXX. 

I received an item for my car which didnt fit. Evidence of non-fitment is shown in the case including a video to Paypal. 

I opened a case on XXXX and XXXX claims since the case was wont fit, its not a SNAD case. They dont allow changing case type. If I wanted the money back i needed to ship back my item to XXXX which costs more than the item itself. 

I opened a case on Paypal, I was asked for evidence which I have provided. 
Paypal is playing the same game, it only allows me to upload tracking information to XXXX or cancel refund case. 

I am happy to ship the goods back to XXXX is seller is paying return shipping. Since the product was mislabelled the seller should be responsible for any return shipping.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (WI)

SWISS COLONY failed to give me proper validation of this debt.

I mailed SWISS COLONY a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
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. (AL)

I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (GA)

on XX/XX/XXXX or on XX/XX/XXXX I called in to Acima to ask them not to bill be and to hold my payments. They told me on both dates that they had put a block on my account and that all I needed to do was to just call in to restart payments or send in mail. 

on XX/XX/XXXX the sent a eft to my bank the amount of XXXX. after they told me they would not. 
so that was a XXXX plus the XXXX bank fee. 
then it kept going on as follows. i ask the bank to stop acima they said they could not so i called asima they told me that they didnt attempt to get money all those time now i owe the bank XXXX in fees. 

XX/XX/XXXX COLLECTION FEE XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX MAINTENANCE FEE XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX OVERDRAFT FEE fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX and also another collection fee from bank
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

This debt does not belong to me and I would like it removed. Im already having a hard time as it is due to covid 19. I went to get a loan to be turnt down due to this false collection. Please help me.
Consumer complaint received 2020-09-11
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. (LA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Home mortgage is my mortgage company, it is more than a year ( 16 months ) i am trying to do loan modification, in order to reduce reason able payment to pay the monthly mortgage payment, they ask me to provide all my income like, W2, two years tax returns, bank statements and transcript of Tax return ( 4506-T ) several times, they always said we didn't receive the documents but i have fax confirmation, all the documents i send them. Finally all the effort and aggravation and time I spent went in vain, they refused and denied my loan mod, not on income base but other Merritt ( five years they can not do my loan mod ). I am hundred percent qualify by in come wise. I have humbly request to you please help me out to get the documents I am requesting to get from wells Fargo, the document I want from them are dispute of debt and validation of debt, Tila request, request for accounting. 
I sincerely, appreciate your help and support in this matter, because i no want to loose roof from my families head and go to no where. 

Sincerely, Yours XXXX XXXX
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

It is my fourth time to submit a complaint. The former three times cases numbers are XXXX, XXXX and XXXX. 
On the one hand, you said you will return the money to the originator. On the other hand, you said my friend have to let the payroll contact the originator bank and ask them to provide a written request then you will initiate return. What the XXXX is that? What should I do? OR just tell me you are not going to return at all. You said you submit request to XXXX twice, they dont reply. I guess you have a XXXX means to contact them. You can call them, write to them, fax them, just let them reply, because it is your responsibility and I dont believe its that hard to initial it. I have explained anything. Such a big university, payroll need to deal with thousands of XXXX dollars, will they care this 2000 dollars? Whom to look for to write such request in such a hard time and no one works in office and they just XXXX. You can not hold it forever in any reason and again is your responsibility to contact the bank and return! It shouldnt be no any progress in more than one year. XXXX XXXX XXXX I am so angry and so disappointed.
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (AL)

The process of the loan is that they give you a portion upfront, you make the payments and the remainder of the loan you borrow is in a reserved funds account that you get at loan payoff. I received information from them that I could pay my loan off with my reserve funds account and receive anything left over since my loan balance due was less than what I had in my reserve account. I followed the procedures they sent me to do so but the reserve account was grayed out on my portal so I could not access the funds. I reported this to them on XX/XX/2020 when I originally tried to pay off loan. They stated they didnt know what was going on and would set up a trouble ticket with the engineering department. This ticket was in what they called escalation mode. I checked back several times weekly from the XXXX forward and either got a response of we are working on it or we will do another ticket. We don't know what is wrong or why you cant utilize the feature. I asked repeated to speak to someone who could help me or explain to me why this fix was taking so long and always get the run around answer. This past week they sent me an email stating it was still being worked on and that they assigned my account Moneylion points that I could use -these are not available as my account says I have past due payments now because I will not pay them until this issue is fixed. They respond with we don't know what the issue is the engineering team is working on it. This is now day 42 of me requesting that my loan be paid in full immediately using those funds and them telling me that I have to wait on them to fix this issue. I don't want their points or them to give me courtesy grace periods on my payments as I should of had this loan paid in full on XX/XX/2020 using the reserve funds they told me I could use to pay the loan off with.
Consumer complaint received 2020-06-01
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: CITIBANK, N.A. (LA)

On XX/XX/XXXX, I mailed a settlement letter to Macy 's, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from Macy 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( XXXX, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the Macy account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. XXXX   has honored my request, and therefore I will need to file a complaint against XXXX  and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 

XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF ED/XXXX/XXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX, ACCOUNT # XXXX TRANSWORLD SYSTEM INC ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX,