davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I was at a salon today with my older daughter..and I was about to pay for our hair that we got done ..I went into my mobile banking to XXXX the money to the XXXXI found out that my account has been locked, they put a number to call ..I called several times ..all they could tell me is that I have a restriction on my account but they were unable to give me the reason ..and I also walked into the bank I couldnt withdraw any money ..now am stuck ..I dont have any money feed my kids not pay for the service that was rendered to me.please help me ..help me help my kids ..I dont want them to starve to death.thanks
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Consumer complaint received 2019-04-02
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 (OH)

On XX/XX/2019 somebody stole my identity and applied for a false account with Synchrony bank through a company called XXXX. I have called XXXX credit fraud department 24 times and was told it was taken care of but never was. So, I need the inquiry removed from my XXXX  credit report, which has lowered my score and caused a denial of credit due to the fraudulent inquire. I have never received anything from Synchrony bank. They refuse to help in any way.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (FL)

Had 2 inquiries on credit report from US Bank and Elan Financial Services for a credit card authorization. 

Disputed both and they have stated that their information is accurate. 

Never applied for either and individual who did used an address from 25 years ago.
Consumer complaint received 2021-09-09
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: JPMORGAN CHASE & CO. (GA)

On the morning of XX/XX/2021, I was at XXXX in XXXX with my mother. We purchased a chair and during the process of putting it in the car, I lost my Chase Sapphire credit card. My mother and I share this account and we are the only authorized users. I only noticed when we were at the next store, XXXX, trying to make a purchase that my card was missing. We searched the car and didn't find it. We went back to XXXX and asked anyone if they had turned in the card and no one had. I checked the Chase app and noticed three unauthorized charges on the account : one in the amount of {$100.00} from a XXXX transaction at XXXX, {$16.00} at XXXX XXXX and {$650.00} at XXXX XXXX XXXX XXXX XXXX all in XXXX XXXX At this time, my mother and I were together in XXXX and could not have made these purchases in XXXX. I notified Chase that my card was lost/stolen and they immediately canceled it and assured me that we would not be responsible for the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase stating that they found there was no fraud committed for the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX transactions and that I would be financially responsible. I immediately called them to appeal their decision. They told me that since both transactions were in-person and not on the internet, they automatically determined that it was an authorized charge. They reopened the case and sent me another letter on XX/XX/2021 stating that their decision hadn't changed. 

After searching forums to seek advice and what we can do at this point, I filed a police report with XXXX on XX/XX/2021 and the case number is XXXX with Officer XXXX who advised to file a police report with XXXX XXXX Police Department XXXX We couldn't figure out what XXXX XXXX XXXX XXXX was and all our XXXX searches led us to XXXX & XXXX XXXX at XXXX XXXX. He contacted them and XXXX XXXX XXXX XXXX stated it wasn't them. From previous experience, I knew that " XXXX* '' meant that the transactions was a XXXX point of sale. XXXX sent me to a receipt lookup ( hXXXX XXXX XXXX ). I still had the credit card info from the canceled card and I entered in the required details into the web form and it found the transaction which I've also attached. The transaction occurred at XXXX XXXX XXXX XXXX, which is a county address. XXXX XXXX XXXX XXXX is listed as an artwork category according to the receipt.
Consumer complaint received 2021-09-09
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-04-02
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. (MO)

Equifax and XXXX are reporting incorrectly that I am past due on the Dept of Education/XXXX partial account number XXXX. ( Please see page 2  of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score.  Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

I am not able to connect my external bank account to the savings account, i emailed credit karma support on XX/XX/XXXX and they replied back within minutes but they have not resolved my issue and now they wont reply back to any other emails I send. I have funds in this account and need access to it, Ive suggested they send me a check for my funds but Ive got no reply back, we are in the middle of a pandemic and thats all the money i have.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I am writing you to delete the following information off my credit profile, the items I need deleted are listed in my report. I am a victim of identity theft and did not make the charges. I ask of you that the statement be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I also enclosed copies of my report to the federal trade commission identity theft affidavit. I would appreciate it if you could please delete the items as soon as possible. As it is hindering me from advancing my life style to provide for my family
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I previously opened up a complaint ( XXXX ) and it has been closed without the issue being resolved. Mr. Cooper provided an untruthful response that they are working on the issue. I am currently on the phone with XXXX XXXX  and they ( rep ) have informed me that Mr. Cooper has not been in contact with them to assist with resolving this issue. Can someone take the time to do some research on this issue? At this point, I am filing a complaint with the OCC and seeing what other course of action can be taken since no one seems to be able to resolve our issue. I thought the purpose of the CFPB was to actually do research not just accept a " canned '' response that a company provides.
Consumer complaint received 2022-10-27
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My account was hacked and there was an unauthorized charge of {$480.00} on XX/XX/2019. I submitted a claim to Paypal that it was not me who authorized the transaction and someone had been accessing my account. After a few days they responded to me that they were not accepting my claim and that they would leave the negative balance on my account. Now I see in my credit report that XXXX Bank ( collection bank for PayPal ) has a charge off and is lowering my credit score. I went ahead and I paid that balance to avoid any more damage to my credit. But now I cant even buy a car at a low interest rate because of this account is still showing on my report.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I received a ATM Debit card from Chase Bank. I never had a Chase Bank Account or opened a Checking Account with Chase Bank. This is identity theft and fraud. They used my social security account, birthday, and address. Chase Bank caught it and closed the account due to fraud and send us a check in the amount of XXXX cents. We called the bank on the XX/XX/2021 to make sure the account was closed due to fraud. We went into the branch on XX/XX/2021 to return the check. I am not taking responsibility of this account or the check. They wrote void across and I kept it for my records.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

On XX/XX/XXXX I was advised by Chime bank that my account was being placed on hold until I can verify activity of deposits to my account. Initially and with much urgency I replied to the email and advised them that I had recently received XXXX rather large deposits into my account the first large deposit in the amount of {$19000.00} which came from a lender by the name of XXXX XXXX, this deposit was for a small business loan to support activity for my sole proprietorship as a seasonal XXXX XXXX. I received the loan from XXXX on XX/XX/XXXX. A few days later I received a deposit in the amount of {$8900.00} from an insurance company that goes by the name of XXXX XXXX  for a payout on my vehicle that was totaled in a recent car accident. Chime bank initially requested my picture Identification and anything that supports my proof of residence secondary identification and any documents that supports the deposits received. I then sent as a reply to the email my drivers license social security card a copy of my utility bill and the release that I signed for the insurance company along with a page from the company that sent the small business loan stating the amount and deposit account numbers for destination of the loan. After receiving the supporting documentation chime requested a picture of me holding my identification and a tax return transcript that supports sole proprietor and I sent those items to them as well. I also explained to chime that according to the sequence of deposits that I had already allocated and spent the funds that were deposited for my business loan and that the funds remaining in the account were my personal funds from employment cash transfers and the money from the insurance company. After going back and forth with them for 4 days I advised them that I had provided them with as much information that I could and that I didnt have anything else to give to them and they closed my account and said that I was ineligible for a refund they also stated that I wasnt in compliance with their internal policies and would not explain any further after I asked several times for an explanation. They made it as to where I can only talk to them via email and they no longer reply I had to find other avenues by going through XXXX bank to open a ticket for resolution. I was hung up on several times when they asked what I was calling about after verifying my account they would then disconnect the call.
Consumer complaint received 2022-08-10
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. (GA)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2019-04-02
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. (FL)

Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.
Consumer complaint received 2021-03-16
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: HYUNDAI CAPITAL AMERICA (OH)

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 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This is in reference to the Letter received from Wells Fargo Home Mortgage dated XX/XX/2021 which is attached herewith and shown as Exhibit A. 

There is a factual error in the above letter which is totally misleading and the timing of this letter is highly suspicious. Borrower was totally astonished to receive the above letter with the intention to foreclose the Property when there is an ongoing Investigation from the Lenders side in the above mentioned Loan, Complaint filed by the borrower with CFPB, wide Complaint No : XXXX dated XX/XX/2021 [ this was closed on XX/XX/2021 ] and the subsequent Complaint No : XXXX dated XX/XX/2021. THE ESTIMATED OUTSTANDING PRINCIPAL BALANCE IN THIS MORTGAGE ACCOUNT AS OF TODAY IS {$12000.00} The issue in the above loan relates to a Lender Placed Insurance for a total amount of {$4800.00}, which is split into 12 monthly installments for an amount of {$400.00} to my monthly Mortgage as an Escrow Account created by the Lender with effect from XX/XX/2021. 

Borrower already paid the monthly mortgage installment amount of {$990.00} for the month of XX/XX/2021 and XX/XX/2021 within the due date. THERE IS NO MISSED MONTHLY MORTGAGE PAYMENT as per the Letter. 

The amount of {$400.00} enforced by the Lender with effect from XX/XX/2021 is under investigation at the moment and a disputed matter. This Escrow payment and monthly mortgage payment are 2 different matters. The statement from the Lenders side is totally XXXX. 

As a matter of fact, I received a call from XXXX XXXX - Wells Fargo Home Mortgage Division - Tel : XXXX dated XX/XX/2021 in this matter. As discussed and mutually agreed, the Present Case : XXXX dated XX/XX/XXXX. 2021 will be resolved at the earliest, not later than XX/XX/2021. Both parties verbally agreed to move forward with Monthly mortgage Payment of {$990.00} till the issue is resolved. 

In view of the above, Lender must restrain from taking any further action, pursuant to above Letter dated XX/XX/2021 which is shown as Exhibit " A ''. This letter itself is totally unwarranted at the moment and highly deplorable. As mentioned earlier, the timing of this letter is highly suspicious and the Borrower strongly believes the Lender is engaged in some sort of mentally torturing and bullying tactics in this matter.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (WV)

After relocating out of state and closing old and setting up a new bank account I called to make a double payment of {$400.00} in XXXX explaining the need to do this to provide time opening a new account. This payment was thoroughly explained and accepted after updating my address and other information that I needed to cover the current and following month. In XXXX I received no bill, no email, and no phone calls on the account. In XXXX I received a notice that my available credit dropped to {$1200.00} so I immediately called the company and was informed despite their employee accepting a payment for two months that they can't do that and despite speaking to multiple people explaining that it was deceptive to even accept the payment but I would pay the amount if they would correct my available credit back to what it was. After speaking to 3 people requesting a manager each time I was connected with someone who would only identify as XXXX, the only manager I could speak with and was told they could do a hard inquiry to see about a credit increase but the payment they accepted did not matter and there was nothing they could do.

Following this phone call I was then locked out of my mobile/online account and could no longer access past statements, payment history, or any information what so ever on my account. I haven't found anything in their terms that says they will or even can do that. 

I made multiple attempts just to correct the problem because I was in the process of completing a homeownership course and my score dropped significantly because this is my oldest account and my available credit dropped {$7000.00} for an error on the behalf of their employee. Now that the account status is supposed to be closed and 3 final payments scheduled they are still sending me bills with interest rates and increasing billing amounts and not properly reporting this. I was at the end of paying off the amount on this card I have paid {$7100.00} of {$8300.00} and now lost the ability to buy a home but they're still increasing the amounts after I scheduled to settle since they wouldn't do anything to make this right. I also had a promotional purchase on XX/XX/XXXX that would of been paid beyond the full amount with payment made before and including XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX in the amount of XXXX that was being charged interest but I can no longer access online statements and did not receive two months of paper statements.

I have exhausted all efforts at this point I will pay for the employee not aware of their own terms or conditions and it makes me sick to my stomach reading all the accounts of people that have had long term accounts with this company and experienced significant loss of opportunity because of what their practices did to their credit health.
Consumer complaint received 2021-03-16
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: DISCOVER BANK (CA)

Discover has colluded with XXXX to defraud me of {$310.00} for an item that I returned for a full refund to XXXX on XX/XX/20. I submitted proof form XXXX that the item was signed for and delivered on XX/XX/20. I was never refunded by XXXX and Discover has continually failed to fairly and correctly rule in favor for my dispute. I submitted 10+ documents as proof that the item was returned and that XXXX never refunded me.