davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (IL)

My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (PA)

Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit report for way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own comlany it should be off already. Please fix this. Thank you.
Consumer complaint received 2023-03-27
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)

I'm filing a complaint against Equifax for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.
Consumer complaint received 2021-08-31
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. (FL)

Regarding : XXXX # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have had many on going issues with the honesty and transparency in regards to Huntington bank. I have seen instances of being double debited by te bank on menial debits but have since added up to XXXX ( the ones I have caught ). y second complaint to which I have wrote in the past is My card was double charged by a vendor I have filled out XXXX investigations and never hear anything from the bank and the customer service is horrid when I call. The charge was XXXX and you can see XXXX charges same amount. Nothing was ever done.
Consumer complaint received 2021-11-22
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information about my Inquiries was found in my Credit reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the list of Inaquiries that are still reporting on my Credit Reportsand needs to Remove : XXXX Date of inquiry XX/XX/XXXX CBNA Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-30
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 sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-30
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. (NY)

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft I.C. SYSTEM INC. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

My problem involves fees charged on my credit card through Synchrony Bank. 

I owe {$94.00} per month on an installment purchase. The {$94.00} was paid on time in XXXX and XX/XX/XXXX. The XX/XX/XXXX payment was paid late. In XXXX I made a payment of {$110.00} which included a {$40.00} late fee for XXXX. The late fee is one of my problems. How can they charge a {$40.00} late fee on a {$94.00} amount owed? 

I was traveling XX/XX/XXXX so I paid the {$94.00} due in XXXX early in late XXXX before the bill was received. Then in XXXX I received a bill for {$130.00} with a late fee of {$43.00} for a total minimum payment due of {$180.00} How can I be charged a late fee again? How is the bill for {$130.00} when my agreed to payment is {$94.00} and the previous bill was paid in full? Especially when the XXXX payment was received in XXXX before the XXXX due date. I paid the {$180.00} by the due date of XX/XX/XXXX. I just received my bill due XX/XX/XXXX, for {$110.00}. When I called to dispute the charge, I was told that I had not paid all the fees. I asked what fees? I paid the last bill in full which included Amount Past Due. Why am I now being charged more than the installment fee originally agreed to? 

I was told there were other fees that I had not paid. I said how would I know there are other fees when the bill before this one included Amount Past Due and it was paid in full. 
They had no answer for that. I think they just add on fees whenever they want. 

Please address this issue. I have gone on line and found that other people have had problems with this bank. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-30
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

There is a charge I did not recognize on my account. I have reported this to my financial institution, Chase, and was denied with the reason that I approved the charge at the time of the transaction. However, my wife and I do not remember having a conversation with Chase about this charge, yet, when we noticed the charge, we did speak with each other about finding it odd that Chase did NOT call immediately before allowing a charge like this to post to our account.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.
Consumer complaint received 2022-04-15
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 XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX 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 XXXX 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 ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

On XXXX XXXX XXXX a Unauthorized Device was detected on my coinbase login. I was alerted through my phone if it was me or not. I immediately confirmed it wasn't me and did a Verification check. At that point I figured I was safe but still changed my password. I then received emails that multiple crypto conversions was made to Bitcoin. I then reported it right away. Very soon after I notice that a all the conversions that the hacker done to bitcoin was attempted to be sent to another wallet. It was a pending transaction that was made after I confirmed my account was hacked and notified them. A couple hours late the transaction was successfully made. A Total of {$3400.00} I waited all night for a response from coinbase because I just didnt understand how after I click the link that it wasnt me from the Unknown device that a transaction was still able to be made by this device. They havent help me and all my funds are gone.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau & XXXX XXXX are both reporting the same debt on my credit file. This is a VIOLATION of the FCRA. two companies CAN NOT report the same debt on my credit file. this is DOUBLE REPORTING and they need to delete this off my credit. The debt is paid I no longer owe it.
Consumer complaint received 2020-04-20
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX.XX/XX/XXXX/ Opened XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX Opened XX/XX/XXXX
Consumer complaint received 2021-08-01
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: SYNCHRONY FINANCIAL (GA)

I received a flyer from a company with a {$100.00} off offer. I purchased it with my PayPal Credit card ( Synchrony Bank ) to take advantage of a 6-month no interest promotion, and did not get my {$100.00} credit upon checkout from the vendor.

I received the device, and the credit card statement for the full amount. I contacted the original company who agreed the offer was misleading, but would not give me the {$100.00} credit. So, I opened a claim with PayPal Credit and provided a screenshot of the email, and the flyer I received.

PayPal Credit removed the charge while they investigated. Someone at PayPal Credit closed my claim because they thought I was disputing receipt of the device, not the amount billed. PayPal Credit then moved that balance from my PayPal Credit card to my regular PayPal account who now wants the payment in full.

I have called both regular PayPal and PayPal Credit, and they both say that the balance can't be moved back - claiming that they are two different companies. If this were true, then PayPal Credit would not have been able to transfer that balance back to regular PayPal.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2021, I made a purchase for XXXX face masks and other supplies from XXXX XXXX XXXX in New York. The purchase was a pre-order purchase that I was supposed to receive 2 months tops after my purchase. I never received my purchase months after I made the purchase and the company shut down their social media pages and their company website. The company as well stopped responding to my phone calls and email messages where I had been getting updates from them. They kept using supply chain issues with the cargo ships that are backed up at our ports and the pandemic as an excuse until they completely fell off the face of the XXXX. After people working at the XXXX XXXX XXXX New York stops responding to me via email and buy phone I decided to make a chargeback claim with Wells Fargo. I spent over a month sending in information to Wells Fargo about this claim and clearly explained that I had purchased some items that were never received. After denying me on XXXX different occasions after reopening my investigation on XXXX different occasions they finally denied me because they said that I made the purchase. Of course I made the purchase! The whole reason for me doing the chargeback was not because someone fraudulently use my credit card without my permission, it was simply because I never received the items I paid for. However, Wells Fargo and all of the employees from corporate on down say they are at the will of the claims division and every single person I spoke to at the claims division whether it was a supervisor or someone at the floor level said that they completely understood where I was coming from and that I should get my money refunded. This was on recorded lines. However, every time it came time to make a decision on my claim they came back to the same decision that they came to originally which had nothing to do with why I was making the claim in the first place. After spending an entire month, XXXX hours on the phone in XXXX and a half hours sending them information about my case I ended up at the same place I started at. I am beyond upset and stressed out and should have a great case for damages against Wells Fargo and how they have treated me during this investigation. I am extremely upset with Wells Fargo and XXXX XXXX XXXX for robbing me and no one wants to be held accountable. I am simply left standing with a {$310.00} deficit for items I never received. PLEASE HELP!
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I am in a variable loan that was Wa Mu, now is Chase, and is not XXXX XXXX or XXXX XXXX. I have tried to re fi with Chase 3 times. I also complained and they told you they had not received an application. No true. Each time they say they will get back to me but do not. I am a XXXX Vet and this is not fair. They make more money by not re financing me so they just play dumb and lie to you.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.