davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises (TN)

I have two medical bills ( {$130.00} and {$89.00} ) showing up on my credit report by three collection agencies : XXXX XXXX, XXXX XXXX  and CBC Collections. I contacted the medical group to pay and they told me to contact CBC Collection and gave me the phone number of XXXX to pay the debt with them. I contacted CBC Collections today XXXX XX/XX/XXXX at approx XXXX ) and spoke with XXXX XXXX arrange payment. I asked how to make sure that all 3 collections were removed from my credit report. She told me that XXXX XXXX and XXXX XXXX were both out of business as of XX/XX/XXXX and to trust her that they couldnt report it. I told her they reported to the credit bureaus as recently as XX/XX/XXXX so how could they be out of business. She then said only one was out of business but wouldnt say which one. Again, I said they are both reporting and both have websites that are up and active. She repeatedly told me to just trust her. At that point I asked to speak with someone else because she wasnt being honest with me. She refused to transfer me and said I was making things up. I terminated the phone call because I no longer believed I could trust XXXX CBC Collection to be truthful in how to arrange to pay the debt and have it removed from my credit report.
Consumer complaint received 2022-08-05
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: Westlake Services, LLC (CA)

They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I was approved for a Costco Citibank Visa card on XX/XX/XXXX. As of XX/XX/XXXX I have still not received the card. Both Citibank and Costco toll-free customer service numbers told me that the local Costco store could provide a print-out good for 15 days in the store, so that I could make charges within Costco to earn my 2 % rewards associated with this account. They said this print-out would not contain a CVV code so it couldn't be used outside the store. On XX/XX/XXXX I went to Costco located on XXXX XXXX in XXXX, Ohio and requested this print-out. The store personnel gaslighted me and said they haven't done anything like that in two years. The manager XXXX then acted like I was crazy for even suggesting this and that I was clearly mistaken and had no idea what I was talking about. Yes they were making me question my own sanity for believing this was a thing. So I called both Citibank and Costco customer service back and confirmed this shopping pass is an attribute of the card and that the store should have issued a temporary card for in-store use. In fact if you call Citibank at XXXX it's Option 2, Option 1 to learn about the temporary card.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I received an alert that stated that my account was overdrawn by {$23.00}, plus a overdraft fee of {$34.00}. This transaction was made on XX/XX/XXXX while I was in XXXX, NJ on vacation almost 2 weeks ago and was posted by Chase on XX/XX/XXXX. I called the bank to find out how this overdraft occurred and was told by a Manager that they did not receive the request for payment until XX/XX/XXXX. I do not understand how 2 transactions from XX/XX/XXXX posted then took 11 days according to the Manager to be taken out of my account. My account on XX/XX/XXXX had a balance of {$150.00} which covered the {$23.00}. 

All other transactions from XX/XX/XXXX - XX/XX/XXXX were payed within 2-3 business days.

Chase is known for holding onto payments and waiting for them to go into overdrawn status so that they can collect recurring overdraft fees of {$34.00} daily until paid. This isn't the first time this has happened and I will be closing my account and going to another bank. I hope if this has happened to anyone else they decide to do the same.
Consumer complaint received 2017-08-11
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. (AL)

On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc 40 days ago
Consumer complaint received 2020-07-06
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)

FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOEXXXX {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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: Social Finance, Inc. (CA)

My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by SOFI/XXXX ( XXXX XXXX XXXX XXXX  ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.
Consumer complaint received 2021-02-23
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: EQUIFAX, INC. (FL)

This is not a rhetorical question however why do I have inquiries in my report which are not mine? Recently, I viewed my report and I got shocked that I have somebody else info in my credit record. Is it legal in general? Why Bureaus failing to maintain procedures regarding the law mainly to check the information and update correctly? Could you imagine how these fake and wrong inquiries damaged my life recently when I was rejected because of them? Please can you investigate and remove these items from my credit report, come on its not a joke and because of these items I am in troubles. Thank you
Consumer complaint received 2018-09-19
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. (NJ)

I have an old, closed auto account. to which I will attached the complete reported history from the creditor to XXXX and Equifax. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
Consumer complaint received 2021-02-23
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. (GA)

I have tried numerous times to have these incorrect information removed from my credit report. They have ignore my request for over a month now and have yet to send me the information I have requested in regard to the false reporting on my credit report.
Consumer complaint received 2020-05-22
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. (OH)

I am in receipt of an email dated XX/XX/2020, from Equifax with a letter dated XX/XX/2020. The email is regarding the decision and denial of a dispute for an alleged debt to XXXX XXXX, a company I have never done business with, for {$170.00}. 

I have reason to believe I do not owe this debt as I have no knowledge of it. After repeatedly disputing this with Equifax they continue to deny my request to have it removed from my credit report. In accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act the original alleged debtor XXXX XXXX XXXX and the collection agency XXXX XXXX were supposed to provide me all of the following information by mail to my Ohio residence : 1. In writing the amount of the alleged debt and the alleged services rendered ; 2. In writing the full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing they are licensed to collect debts in Ohio. 

To this date none of this information has ever been mailed or provided to me in anyway so that I may properly address the alleged debt. Nothing has ever been mailed to my residence address in the state of Ohio where I have resided for the past 3 years. 
As to the creditor class on Equifaxs credit report that this is a medical/healthcare alleged debt this also does not make sense. I have always maintained health insurance and have no outstanding medical bills. Without the proper proof, including what alleged services were rendered and what the billed amounts are specifically for, I can not confirm or address any information that is being claimed. This alleged debt has been placed on my credit report without giving me the proper law provided time and required documentation to investigate and respond to it.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

Ally/Auto has unfairly and inaccurately reported information on the Credit report of XXXX XXXX and I XXXX XXXX XXXX In CFPB case # XXXX, XXXX a representative from Ally Auto provided an inaccurate detailing of the payment history on an Auto Loan. Borrower and I Co-borrower entered into a new agreement called the " Catch-Up '' with Ally Auto. After suspending payments during XXXX, Ally Auto started payments back up again. During the suspension of payments because of XXXX Ally Auto reported past due payments to the credit bureaus. That is an ADVERSE reaction being that payments were suspended. The entire time the payments were suspended Ally decided to take advantage of us as borrowers and I'm sure many others by charging excessive finances charges. They later decided to hit us with a $ XXXX bill. They have continued to be thugs in inaccurate reporting on our credit reports. Literally reporting lies. We entered into a new agreement and new payment terms. Terms have been fulfilled but the reporting to XXXX, XXXX, and XXXX are inaccurate lies. According to FCRA, a creditor can not report payments past due while account is adversely being paid on. Creditor must update and/or report accurate information. You can not suspend payments and then report past due. You can not enter into a payment agreement and still report past due all the while account is being paid on at a higher rate than first agreeement. Only one issue was corrected but not the entire issue.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

After having my debit card and {$5000.00} stolen, I have appealed over 7 times to Citibank to refund the money to my account as they promised on XX/XX/2020. Since then I filed a complaint on the Consumer Financial Protection Bureau website which prompted Citi to immediately respond with the attached letter and promised to refund the money within 3-5 business days. It has now been 10 business days and upon speaking with the manager in charge of my case, she informed me that there is in fact no timeline in which I will receive the money and she was not even sure the money would be refunded to me at all. It seems as though Citi sent the attached letter only as a means to appear as though they are resolving the matter when in fact they are not. 

This has been the most unprofessional, unethical, and dishonest experience I have ever had with a business much less a global financial conglomerate.
Consumer complaint received 2020-09-07
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: Flagstar Bank, N.A. (NC)

As of XX/XX/2020 Mortgage account with Flagstar Mortgage is not reporting account or payment history. Information is missing. This missing information is damaging to my credit report lowering my FICO score by over 21 points. Attempted to fix this problem with the company last month via phone call. Information is still missing, 30 days later.
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

On XX/XX/2020 I opened an account with coinbase.com. I transferred money into this account from my XXXX XXXX  savings account. I made 5 transfers from my XXXX account to coinbase on the following dates. XX/XX/XXXX, transaction 1 - {$9900.00}, transaction2 - {$150000.00}, XX/XX/XXXX, transaction3- {$17000.00}, XX/XX/XXXX transaction4 - {$9000.00} and finally XX/XX/2020 for {$25000.00}. Afterward their wait time, I transferred money to an offline account as I do not trust the security of online companies like this to hold my money. I completed all of coinbase 's verification steps to validate my identity with my Florida drivers license, an updated self photo and setup 2 factor authentication on my account. On XX/XX/XXXX, while attempting to transfer bitcoin to an offline wallet, I received an indication that my account is restricted. I filed a complaint with their support department, but the only response they  have given is that my account is not eligible for review until XX/XX/2020 and also stated that they can not elaborate on this decision. I have emailed them back and informed them this is unacceptable and to call me at the telephone number listed in my account but communication from coinbase has ceased and I have not received any other communications.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX  {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts XXXX I didn't receive a response from the agencies regarding these accounts.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I just received my letter, stating that my fraud issue could not be resolved due to payments were made while the card was in use. And it's common use for whomever to make payments until the balance was high enough that they no longer wanted to make payments. While waiting for a resolution, I received a email stating I had purchased a pillow in which I didn't. Again this happened in my account. So I reached out and chatted with someone so I could have proof of the conversation, that someone in fact was using my account. The only thing is now, it was with a different credit card, and being sent to another address I do no reside at. I have attached that conversation by email in this complaint for proof. I was even told it was canceled and I had nothing to worry about. Within a few days later, I received another email saying the item was being shipped. And I have attached that email as well. I just don't understand how this issue can never be resolved all because someone made payments, when Im stuck still making payments on items I did not purchase. Of course someone is going to pay, when it will affect their credit if they do not pay. That's just common sense, especially when you have been fighting with the company. Then I go to make a payment today, and see more than one card with different balances. How is that even possible? I have attached that proof as well. This is a entire mess, going on. I would like for the request to go higher than just the resolutions specialist.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ND)

I have sent letters to all 3 bureaus regarding some accounts that were inaccurate on my credit report and XXXX XXXX and XXXX  removed them, but equifax has failed to remove them or give me any letters showing information on these accounts. It has been a year now. No explanation or letters or proof
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (IL)

I applied and was approved for the eidl through sba. As I am a very low earning set operating business I have never established a business account because I could not afford most of the minimum balance requirements or credit requirements. So my only checking account is a personal account. I had my loan funds put into the account at TCF bank ( XX/XX/2020 ) and my account has been placed under review, my loan was withdrawn, and my account is now negative ( XX/XX/2020 ). I was given a mere {$9000.00} from sba and now I am {$4000.00} in debt due to TCF doing this.