davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
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: EQUIFAX, INC. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

On XX/XX/2022 - XX/XX/2022 I was unable to access my account to see my balance because I have an old phone number on my account which I do not use anymore. And now I can not login to my account
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (MO)

I keep receiving calls stating that I have a case filed against me by a company that says they are arbitrators and are a nutral party. They called and provided the last four of social. They provided a fictious case number XXXX stating that I need to be present at an old address between XXXX and XXXX XXXX  every day to be servied papers. This was settled in bankruptsy approximately 9 years ago. I am advised to call XXXX and advised to give personal information which I will not do. They keep saying that I have a claim filed against me. Which I know I do not. Case number have letters or the county in them as to where the court case is being handled. These indentifying numbers are never provided in their fake case number.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

I am in my second semester as a graduate student at XXXX XXXX XXXX. I submitted a letter stating that I am at least a half-time student in order to apply for in-school deferment. This loan was originally taken out with another lender and was sold to Discover a number of years ago. I received a letter stating that my request has been denied due to the " maximum months already used. '' I have reviewed my MPN and do not see any reference to time limits on in-school deferments. I did defer my loans while an XXXX at XXXX, I deferred them two years long while taking XXXX courses at XXXX. Since then I have not taken enough credits to qualify for an in-school deferment. I did qualify in Fall XXXX, I did not in Spring XXXX, and I do again in Fall XXXX. This " maximum months '' is not referenced on any paperwork I signed when applying for the loan nor is it stated on the in-school deferment application. I believe that I do qualify for this deferment as I have only been eligible for it for during the year I borrowed the money ( my third year of college ) my senior yar of college, the two years following and now last fall and this fall - in total that is five years, but I am being cut off at 4.5 ( not even that because the loans went into repayment again this past spring.
Consumer complaint received 2017-10-16
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. (CA)

Chase CASE ID : XXXX My Mother had XXXX on XXXX XXXX, 2017 in XXXX, FL. I have all doctor 's note and completed Chase forms. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then XXXX at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and XXXX, I stayed in FL and was unable to take my return flight home. 

I asked Chase for the trip cancellation protection, but they declined it for 2 reasons. 1 ) my mom had a pre-existing condition. My mom did NOT have a XXXX XXXX. She went in for XXXX because of potential XXXX found by doctors just a few weeks prior. 2 ) XXXX refused to cancel flight instead provided flight credit expires in 1 year. But I will not be flying XXXX again because it does n't fly to destinations I frequent. I am happy to give the credit to Chase. 

I am disappointed that Chase trip cancellation benefit is so difficult to use. In effect, Chase is telling me that I am on my own when I helped my mother recover from XXXX. 

Please find attached all documents submitted to Chase : - physician 's statement signed by doctor - claim form - refund policy of XXXX - travel credit - credit card statement with XXXX charge
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

XX/XX/22 my Citibank debit card was declined. I tried to check my balance at a bank ATM, and was unable to log on and was given a number to call and a code to refer to. I called the number and could not get any information about why my account was down, but after three separate individuals failed to get any information was given a number and option to use for answers.

Since that point I have tried many times to reach this department. The wait time is always stated as " over thirty minutes '', and every call has been disconnected at around 15-20 minutes. I have tried speaking with supervisors over the phone. Attempts to use the Citibank website to contact anyone have failed as no information or contact is available unless you log on, and my logon has ALSO been locked. 

I finally found contact emails through third party websites. This morning ( XXXX ) I spoke with an individual who confirmed that a ) yes, my account is locked, b ) they can't give me any info about why or whether I am at further risk, c ) they have literally no other way to find out than to call the same number and option that I am using, and d ) because THEIR time is valuable they can't wait the half hour plus to find out. 

I am locked out of my account. One rep slipped up and said that this is usually because of " fraud ''. I have tried everything short of going directly to the bank branch that started my account, and even though I have been told over the phone this will not do anything I'm going to try it anyway. This is insane.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM XXXX XXXX XXXX THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
Consumer complaint received 2017-08-24
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. (PA)

Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I set up a MyEquifax account long ago to freeze/unfreeze credit. Several weeks ago I tried to unfreeze my account and I couldn't access the account. I contacted customer support several times and they had to manually unfreeze the account. They kept giving me links to reset my account so I could do it myself but each time I received a message that " we are temporarily unable to complete the request. '' I tried to reset my password, and received the message : " No Account Found. '' I tried to set up a new account, and received the message, " Email already in use. '' I called again the next day, same routine, same message. And then again ... and again. Finally I demanded they resolve this, so they gave me a case number and claimed they kicked it up to the speciality department. I called back a week later, and they said nothing had changed. They told me they could not connect me to the speciality department. They sent more links to reset, same thing. Then I complained on social media and via DM an Equifax rep said someone would probably get back to me within 2 days to discuss my situation. A week later nothing. I can not understand why the company can't resolve this situation. Seems to be something is rotten in XXXX, er, at their HQ, wherever that might be.
Consumer complaint received 2015-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (WA)

My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc. (TX)

I received a call in the middle of the work day yesterday from a " Process Server '' representing XXXX XXXX or XXXX XXXX as I was told on the phone. I received a call from XXXX XXXX, and I explained to her that I couldn't talk to her at the moment because I was in the middle of a XXXX meeting for work. I asked her to call back at a later time. She then proceeded to repeatedly dial my number three more times. After this she called my teenage daughter while she was at school. My daughter called me hysterical saying that a lady said that I was being sued and proceeded to give her all of my personal information, name, date of birth, and social security number. She told my daughter that I would be arrested. She then contacted my estranged husband, and told him the same thing. I got a call from him a few minutes after my daughter. They both took down the phone number I was to call, XXXX. I called the number and spoke to XXXX at XXXX XXXX or XXXX XXXX ( she gave me both names ) and explained to her what happened. This morning I received another call from XXXX XXXX from the number XXXX. I answered the call and asked Ms. XXXX who she works for. She advised that she works for the " government '' for the state of Texas. I asked her to confirm the above number and she said " if that's what came up that's the government number, but it doesn't take inbound phone calls ''. I asked her to confirm that she was a " Process Server '' and that she did contact my daughter and husband and give them person private protected information. She confirmed. I explained to her that I would be reporting this incident and then hung up. She proceeded to call my cell phone three more times after this encounter.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (VA)

Discover emailed me on XX/XX/XXXX at XXXX regarding suspicious activity on my account and froze it temporarily until I could call to resolve. I called them at XXXX on XX/XX/XXXX to discuss the notification. When I called, Discover had informed me they made a " business decision '' and closed my account, without any notification to me. They have termed all my online rights and removed me as a member. All of my funds and income are in this account. 

After trying several times to speak to a supervisor or someone to help, they told me they did not have anyone and I 'might ' receive a call back in 24-48 hours. With being a new mother and all my funds are in the account I expressed I did need to talk to someone about what was going on and how we can resolve this or grant me access to my funds so I could get formula for my baby. They did not further assist me and told me a " business decision has been made ''
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MS)

XXXX XXXX I tried to transfer fnds from Coinbase vault to my personal vault and since then the transaction is waiting for approval. I have also been restricted from buying. I asked for support help on XXXX, XXXX, and the coinbase site and only got a XXXX reply from XXXX stating that they would look into it. I have sent XXXX messages to the support team and have had no reply for over 14 days. At this time I am still unable to access my account. Coinbase support is notoriuosly awful in response to thier customers is a fact I have discovered from trying to get help.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (NJ)

I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.
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 — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, GA, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX A XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : XXXX XXXX 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
Consumer complaint received 2022-10-03
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. (CT)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (CA)

This refers to my Wells Fargo credit card account ending XXXX have an identity theft, elder abuse, false imprisonment, impersonating, use of strong arm, assault and battery grand theft, etc. case against XXXX XXXX XXXX and have submitted my documents with the police report number, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX, but according to Wells Fargo that it is a legitimate transaction ( s ), since i tried to make payments already, I did so with fear or get punched by my abuser, and made to do so. This exconvict who i thought was my best friend, emptied my nest egg and left me broke. I am a senior with fixed income. My case is also handled by XXXX XXXX XXXX, social worker XXXX XXXX, phone XXXX and being investigated and registered with the Victim of Crimes with the XXXX XXXX XXXXXXXX XXXX XXXX Attorney 's Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX. He threatened me and i am still very afraid of my life and need to move. Says, that if he goes to prison, " I will always come out. ". I can no longer pay this, left me with over XXXX charge to my credit cards and stole about XXXX from the house. I feel like he killed half of me. Please help and thank you so very much.I live alone, I am broke now and I am being ask to vacate the house that i am renting for XXXX yrs.I was given 60 days to vacate which ended end of XXXX and i am so stressed out and depress and tries anf hope when I wake up tomorrow it's all gone. Enjoy life, Life is great, Life is wonderful.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (SC)

Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.
Consumer complaint received 2022-10-03
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (IL)

On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. 

It states, " We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. 

" Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. 

My card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.