davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX  ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I was scammed by a Fraudulent company named XXXX, their representative ( a woman online ) reached out to me and advised me to invest in them. 

I transferred my Funds via my Coinbase account to this Scam Company, i was not being cautious since I had thought that the website was legitimate, since nothing raised a flag that deemed it suspicious. 

I had initially invested a lot of money and after that they accused me of Money Laundering since I had placed so many orders. The scammers tried to make me pay a penalty of 9 % XXXX USD, but I had realized it was a scam and did not fall for it. I lost XXXX USD.
Consumer complaint received 2022-02-11
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-11
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. (GA)

My credit has been reported inconsistently on all three bureaus. 
On XX/XX/XXXX, XXXX removed late payments from my XXXX credit report and as of today this account is showing no late payments on my XXXX report. This action or update should have been the same on all other credit reporting agencies. I have requested on CFPB previously that this correction needs to happen or have the account completely removed from all three credit reports. This is hurting my credit scores and my ability to obtain credit during this rough time. I need all late payments removed on the other bureaus just as it is on XXXX. or completely remove the account.
Consumer complaint received 2022-02-12
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. (OK)

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, EQ, and XXXX  are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Consumer complaint received 2022-02-12
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: I.C. System, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-02-11
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

I own a side by side duplex ; I reside in one side and rent the other side. My current Tenants have been there going on three years. They have always paid their rent on time. I have my mortgage and several checking accounts with Wells Fargo Bank. Years ago, at Wells Fargo 's suggestion, I opened a checking account dedicated to receiving rent from Tenants. My husband and I have owned this property since XXXX and have had other long term tenants. Especially with XXXX XXXX I've had the tenant deposit rent into this account. Last month the XXXX check my tenant had alerted me that he learned his paycheck deposit was Pending and didn't clear in time before he deposited his rent check into the Wells Fargo account. It was returned as NSF. The amount of the check was {$1800.00}. So the check was returned I was assessed a {$12.00} fee and he wrote me a new check which I deposited via Mobile Deposit into my main XXXX checking account without any issues or delays. On XX/XX/XXXX, My tenant advised me that he'd deposited the XX/XX/XXXX rent check. I got a notice the next day on Saturday XXXX that the check was on hold until XX/XX/XXXX. My tenant said he had verified funds prior to writing me the check and depositing it and in fact called his credit union XXXX XXXX XXXX XXXX while I was on the line with him. We both spoke with XXXX XXXX XXXX who confirmed that funds had in fact been immediately available. The deposit slip provided to me showed that the tenant received his deposit after XXXX XXXX ; he did not try to deposit the rent check with Wells Fargo until XXXX pm that day. Yet Wells Fargo has continued to insist that the ten day hold was due to NSF ; A note in the electronic notice I received said that Wells Fargo had placed the hold based on a report from XXXX XXXX XXXX XXXX XXXX, ( XXXX, a third party vendor ) that suggested Funds " May Not be available ''. My tenant and I asked Wells Fargo to verify funds with XXXX XXXX XXXX, yet Wells Fargo insisted they couldn't reach XXXX to verify funds. I went into the Wells Fargo branch and a banker tried to assist me by calling Wells Fargo Loss Prevention department which placed the hold. My banker was on hold with his Loss Prevention department for 45 minutes. He has been diligent in trying to resolve this, but so far, without success. The hold notice showed that the hold was placed based on a report from with Wells Fargo. At the Wells Fargo Banker 's suggestion, I asked my tenant to obtain a written statement from XXXX that the funds were available. He did so XXXX and I delivered it to Wells Fargo. The hold is still in place until XX/XX/XXXX and none of the funds is available despite my tenant 's attempts to show that the funds have been available. Although the initial deposit slip showed that {$220.00} would be immediately available, in fact, my balance showed that none of the deposited amount is available.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We reached out to our Mortgage Provider Select Portfolio Servicing for a Forbearance due to the crisis as we did not have sufficient income coming in to pay the mortgage. They gave us a 90 day forbearance and over the phone they said that those payments would simply go on the end of the loan. Not too much longer after we recieved a statement in the mail that we were approved for the forbearance but we would owe all 3 months plus late fees at the end of the 90 days. We feel like this impossible to repay if we have little to no income now how are we going to have not only the normal payment ready to pay but 3 MONTHS additional owed plus LATE PAYMENTS. Which would be almost 4000 dollars plus an additional payment. Now they are sending us constant email reminders about we need to try to pay if we can afford to and that it would help avoid additional late charges as well back balance due! Are normal payment is around 900 dollars a month.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (MO)

Received a letter from Revco solutions in attempt to collect a debt for a XXXX  ( utility ) ( letter was dated XX/XX/XXXX ) but I received it XX/XX/XXXX. I called XXXX and verified that account was for an address that I never lived at ( or owned property in that city ). I asked XXXX representative to contact their billing department and report the error. I sent Revco a letter ( with proof of receipt ) stating that I do not owe the debt in question. I asked them to provide proof of the bill. I got the signed proof of delivery back from the letter. I then received another collection statement ( offering a 30 % discount ) on the debt that I do not owe. ( with no additional documentation ) Letter is dated XX/XX/XXXX. Revco Solutions is the company sending these letters.
Consumer complaint received 2016-01-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Guidiville Indian Rancheria (NJ)

i had a balance on a pay day loan to Multiloan Source of XXXX. The account was submitted to collections. I started to receive phone calls from a XXXX XXXX at XXXX XXXX at work and even called my brother who not even listed on any of my information.They call threaten and try to shame and pressure me to give my card number over the phone. They leave a claim number only. When I call back they state the courts would love have my case and it on the mangers desk. I asked for written proof they send an email with no contact address or contact name. When I asked they nasty and hung up. Called Muti loan Source refer to XXXX XXXX auto refer to XXXX XXXX XXXX get a message XXXX XXXX away from desk leave a message. This has happened several times. 
My original Account # is XXXX bal. XXXX XXXX claim # XXXX Multiloan source XXXX They state they do n't know who account may have been given too.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-07
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. (CA)

Companies : XXXX and Equifax XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and Equifax shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau XXXX XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.
Consumer complaint received 2022-02-08
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)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Cade Investments LLC (MS)

c.k. withdrawal got access to my checking account,, ive never heard of this company or done any business with them, they took XXXX dollars from my account.,,,,, My bank name is XXXX XXXX in XXXX mississippi
Consumer complaint received 2022-02-07
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. (FL)

XXXX, XXXX L SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have a Amazon credit card due on the XXXX of every month I made a payment on the XXXX of XXXX synchrony bank states they did not receive it my bank regions debited my account I faxed the proof from regions to synchrony bank showing my payments they state they can't find the payment cause me to get a late fee affect my credit score with a deliquant report they initially credit me XXXX and reversed last week. My bank regions has been establish for al least 30yrs and there reputation is not questioning on the other hand synchrony bank has lost other payments I made for XXXX XXXX XXXX. Please help me make them accountable for losing my payment I want to close all my accounts with them I need an accurate balance thank you
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

On XX/XX/21 I paid {$500.00} for a XXXX XXXX XXXX. After attempting to activate the card, I was informed that Netspend refused to allow activation of my XXXX XXXX XXXX and a refund would be issued in the form of a check that would arrive in 7-10 business days. 

The check never arrived. I filed a CFPB complaint and was contacted by XXXX in the corporate office. I was told the initial check was sent to the wrong adress. He stated that a new check would be issued. A new check never arrived. 

I was later on contacted by XXXX from the corporate office. XXXX offered the option to do a XXXX pickup for {$500.00}. I was provided reference number XXXX. I attempted to pick up the funds the same day at XXXX and XXXX. Both XXXX agents informed me the XXXX transfer was configured incorrectly and unavailable for pickup. I contacted XXXX and asked her to fix the transfer so I could pick it up. She informed me that she did not know how. So, I asked that the transfer be cancelled and a check be sent. She stated that she did so. 

The check has never arrived. I have contacted XXXX over a dozen times subsequently inquiring as to the status of my check and she never answers the phone nor reply to voicemails and on the rare occasion that she does, she does not seem interested in resolving my situation and making sure I have a check in hand. 

I still have not received a refund for {$500.00}. I contacted XXXX today and they once again verified that my transfer from Netspend was cancelled. The same status is shown on the website with the reference number provided. Netspend responded to my initial CFPB complaint with false information. They stated my XXXX was picked up. That is false as noted above.