davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax online service is not working. 

Equifax is not answering the telephones. I have been on hold for 2 hours today. 

Equifax is not responding to a fax request to temporarily lift a credit freeze so I may refinance my home.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

I was shopping at a XXXX  XXXX  store in XXXX, CA on XX/XX/XXXX evening. Then I remembered I should update my address on my XXXX  XXXX  credit card. So, I went to the front desk and asked for address to be changed. Store personnel asked for SSN to look me up. Then she applied for a new card without my knowing while lying to me that if I update my address I will receive a new spare card as well. That sounded odd and then she continued to print me a card receipt all of a sudden. I should have caught on to her act when the screen asked for my income, but she kept saying I had to update all my information. It appeared she thought I wouldn't understand the situation as she most likely assumed English was not my first language. Now I have 2 XXXX  XXXX  cards in my hand and this is all just upsetting how blantantly unethical clerk was as well as a store manager who didn't seem to believe me.
Consumer complaint received 2022-07-29
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: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (KS)

Multiple FRAUDULENT hard inquiries XXXX and Experian will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX  ( Bank ) XX/XX/XXXX EXPERIAN XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-04-13
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. (NV)

XXXX XXXX XXXX  XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MA)

We have submitted documents for a partial release of our property to Mr. Cooper in order to sell a parcel of our land. The documents were sent in XXXX of XXXX and as of XX/XX/XXXX we have not received a response, even after repeated requests for updates. 
XX/XX/XXXX, XXXX received Partial Release documents from Mr. Cooper XX/XX/XXXX, XXXX documents to Mr. Cooper via certified mail XX/XX/XXXX our bankruptcy attorney received an email from the mortgage company 's attorney stating that the sale of the land was contingent on approval from MA HUD and US Bankruptcy Court . 
XX/XX/XXXX, XXXXmortgage company attorney emailed the mortgage company for a status update-no update was given XX/XX/XXXX, XXXXmortgage company attorney let our attorney know the Partial Release request was in the HUD office in XXXX
Consumer complaint received 2022-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NV)

I purchased a treadmill using Affirm financing. The treadmill purchased went through a recall and was returned to the company in XXXX of XXXX. The treadmill company sent Affirm the refund and the loan account XXXX was adjusted on XX/XX/2022. Affirm refunded {$1800.00} to a card I have on file. I was then told the remainder of the refund amount totaling {$1400.00} would be sent to me by check. This was on XX/XX/2022. They asked me to confirm my mailing address, which I did and they then informed me that I should have the check in XXXX business days. 

On XX/XX/2022 I reached back out to let them know that I had not yet received the check. I received the reply that stated After further review, I can see on XXXXyou were sent a refund check in the amount of {$1400.00}. At this time, we are working with our refunds team to locate and verify the status of this check. Once located, they have the ability to void it and issue a new check in the same amount to the address we have on file. 

On XX/XX/2022 I was told We received a response from our Customer Refunds team. They have voided the previous check of {$1400.00}. We are issuing you a new check. Please allow 7 to 10 days to receive this check. Our checks are sent via United States postal Service ( USPS ), so no tracking number is available, but I assure you we are getting your check to you as soon as possible. 

The date is now XX/XX/2022 and I have still not received this refund check to my mailing address on file that is confirmed to be accurate.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KS)

Email sent to their phishing address after I came across emails regarding an account being opened. Received a letter XX/XX/2022 stating the account will be closed by XX/XX/2022 after an investigation revealed the account to be compromised or impacted by potential identity theft. I have also filed a complaint against Wells Fargo with the FTC.
Consumer complaint received 2022-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

There are many issues in my Equifax report. I have a re-inserted collections account from CREDIT MANAGEMENT XXXX XXXX - XXXX  for {$120.00}. They took off this account and put it back on. I have 29 Inquiries from sources I do not recognize that Ive disputed multiple times. More times than I can count. FTC forms have been provided and still no response or resolution. Im unable to upload documents online with Equifax in order to facilitate these disputes. They resort to stall tactics, I have to provide full identification as Ive already been doing. I already provide my ID, social, and still nothing. I have record of how many times Ive disputed with no word from Equifax. I also have late payments re-inserted from XXXX XXXX from XX/XX/2021 and XX/XX/2021. They took off the late payments and they put them back on. The account for XXXX XXXX  has never been late and should display as such. XXXX XXXX has late payments that should not be showing either.My complaint closed in 3 days with no changes. Nothing was changed, even though items were reinserted.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions i also have an unauthorized inquiry reporting XXXX XXXX  - XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2022 I mailed Capital One 2 billing dispute letters. Capital One received and signed for the letters on XX/XX/2022. On XX/XX/2022 I received 3 letters US mail from CApital One that they were closing all 3 of my Cards ( 2 personal and 1 business ) because I violated the Capital One Customer Agreement. No documentation was included with how the agreement was broken. My business card was closed due to affiliation with my consumer name. 

I exercised my consumer rights by creating a billing error dispute per my rights 12 CFR 1026.13. 
Capital One did not complete nor acknowledge a reasonable investigate the billing dispute according to the law. Capital One is trying to collect on all 3 accounts. 

I called an spoke with the fraud department requesting my documentation and I was told that I the consumer and account holder " am not privileged to those requested documents! I would not receive them. '' Adverse Actions : *Capital One reporting 30 day lates to all three credit reporting agencies. 
* closed all accounts without my permission * failed to provide documents requested by the consumer. 
*failed to acknowledge billing dispute letter. 
XXXX XXXX XXXX Capital One has broken the laws governed by US laws in the FCRA.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

After a XXXX previous investigation by CFPB XXXX FDIC Genesis Card Services XXXX XXXX Celtic Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and XXXX account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRCLYSBANKDE XX/XX/2019
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WI)

I received a credit card in the mail from Chase. I never signed up for the credit card. The card I received in the mail has my information on it and account information for something I never signed-up for. I have been trying to reach Chase to figure out what happened and how they created a credit card account without my permission. Due to COVID-19, I am having trouble getting a hold of Chase.
Consumer complaint received 2021-05-01
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. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2018-12-15
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: WELLS FARGO & COMPANY (GA)

My XXXX/ wells Fargo account was late due to military obligations. I told them my account had changed and I was in an area without any communication which resulted in those unforeseen late payments. They denied me late removals and closed my account. I am still paying and trying to resolve this issue without luck as of now.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

Hello, My name is XXXX XXXX and I currently have student loans with XXXX XXXX. InXX/XX/XXXX my student loan was marked as 120 days past due. During this time in my life I was struggling to pay many bills and as a young person somewhat recently out of school, I didn't understand the importance of credit and the negative effect not paying things on time can have on your credit. Since then, I have learned to budget, I am in a much better place financially and I have systems set in place now, should I ever need them, if I come across a financial hardship so that I can continue to pay my bills on time. I have learned so much from this experience and will never be negligent in regard to paying my bills on time again! I humbly ask that XXXX XXXX XXXX would forgive the negative remark on my credit report so that I may move forward in my life and begin to build a stronger credit health so that I may pursue the American dream and open my own business soon! I was also made aware that it is possible to consolidate all of my loans into one in regard to the way it reports to the bureaus so that it reports as one loan rather than numerous, which can harm my credit potentially. Thank you so much for your time!!
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

I refinanced my Fifth Third loan on my XXXX XXXX XXXX through XXXX XXXX. I sent in a check for the sum of {$3500.00} to XXXX XXXX and they made a check for the remainder and sent it to Fifth Third. These checks were received and signed for by someone named XXXX at their overnight payoff address on XX/XX/XXXX. I noticed that they were still not cashed on the XXXX and have been calling for action to be taken repeatedly to no avail. I now have a payment coming up that is due on XX/XX/XXXX to Fifth Third and another for my new lender on XX/XX/XXXX. I asked Fifth Third to reimburse me for the fee to put a stop on my check that I sent and was lost by them and they refused. I also asked if they could temporarily suspend my payment being due which they said they would not. I now have {$1000.00} of payments due next month on a car that is financed for $ XXXX. During this whole process I was hung up on the better part of 4 times, dealt with multiple people in online chat that constantly asked the same question over and over and over and were generally not helpful, and have been incredibly stressed for over a week.
Consumer complaint received 2022-07-29
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: Aargon Agency, Inc. (GA)

Aargon agency I have requested validation of debt, itemized receipt, and requested to cease any reporting until the debt is verified by me. I have sent 2 letters in the course of 3 months. I have received NOTHING from Aargon agency. Therefore, the debt is invalid. I called Aargon agency and explained this, he refused to delete the collection or acknowledge the two debt verification requests.
Consumer complaint received 2022-04-13
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)

FRCA Violation credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
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: CORELOGIC INC (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
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: Westlake Services, LLC (CA)

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, Westlake Financial Services, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/Westlake Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC (NY)

Letter dated XXXX XXXX from Rubin & Rothman , LLC stating {$2000.00} owed creditor : XXXX XXXX XXXX, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.