davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (IL)

I have made this demand these inquiries multiple times with Experian, and I have not received a proper notice of investigation from this credit reporting agency. These inquiries are fraudulent and unauthorized. I want them deleted from my credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX Experian is not operating with integrity reporting inaccurate information on the report. There is a violation of 15 USC 1681a ( 3 ) assumed role and never had my consent. 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681e. I never consented or instructed this information to be furnished on my report. There was never a permissive purpose for these inaccurate inquires. Experian is furnishing and reporting inaccurate information. " There is a need to Insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I don't believe Experian hasn't operated in fairness or accuracy to uphold their duty as a credit reporting agency.
Consumer complaint received 2022-04-16
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: BARCLAYS BANK DELAWARE (FL)

Barclays Bank has decreased my credit limit on all three of my credit cards : XXXXXXXX XXXX XXXX XXXX Credit Card XXXX XXXX  The bank has not given me a valid reason & I would like for my limits to go back to their original limits
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through XXXX XXXX in XXXX. This issue is that my XXXX XXXX account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MO)

I called XXXX Mortgage ( XXXX ) to obtain a XXXX mortgage interest statement. XXXX with I.D . # XXXX stated that my loan had been sold to Green Tree on XXXX XXXX, XXXX and gave me their phone number ( XXXX ). When I called Green Tree at the number XXXX provided, after providing my address and either partial or full social security number, heard a recording offering me a {$100.00} XXXX gift card and a {$50.00} restaurant gift card. I was to press a key to accept, which I did not. Then a representative who said his name was XXXX XXXX came on the line, updated my address, etc. and said the computers were moving slow and while waiting for them, he wanted to tell me about the XXXX XXXX restaurant card. I listened politely and when he asked, did I want to take advantage of these great offers, I declined. He persisted with why did n't I want to receive these free items for a small {$4.00} charge. When I declined a second time, he hung up on me. I XXXX the phone number and found out it was a number in XXXX with many more phone numbers with the same beginning XXXX and viewed complaints against the number. 

I got on line to research Green Tree Mortgage and remembered that they had merged with Ditech Financial. 

I was very concerned since I had provided the fake Green Tree representative with personal and sensitive information. I assumed since XXXX had provided me the phone number of XXXX, that is was a legitimate number and company. 
I then called the Federal Trade Commission who transferred me to the Consumer Financial Protection Bureau. The representative, XXXX was very kind and listened to what had happened, but said it was not her department to handle the incident and did not understand why the Federal Trade Commission had transferred me to her department. Since I could not get anything done through either of them, she suggested I file a complaint here. She transferred me to a department that could provide me with information to protect my identity, credit, etc. 

I called XXXX and placed a fraud alert on my credit report. I was told the other XXXX credit bureaus, XXXX XXXX and XXXX would also be notified to place a fraud alert. 

I called XXXX back so that they would not continue to give out the number since it is a scam coming out of XXXX. I spoke to XXXX with I.D . # XXXX, who said she needed to transfer me to an agent in the United States. I then spoke to XXXX with I.D . # XXXX, who listened to what happened and told me that that was the number they were using for Green Tree. She put me on hold while trying the phone number herself. She was put on hold and then the call hung up. XXXX thanked me for letting them know about the scam number and said she would be reporting it to her supervisor and upper management. 

I am filing this complaint for two reasons : 1 ) to file a complaint so it will not happen to others and 2 ) to document and protect my identity, credit, etc Thank you. 
XXXX XXXX
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MN)

My son had a checking and savings account with Chime. He was killed in an accident XX/XX/XXXX. I contacted Chime XX/XX/XXXX via email ( their phone support is non-existent as all options ultimately culminate is directing one to send an email to their support team ). 

After providing proof of my relationship with my son ( guardianship, drivers license, and death certificate ) Chime issued two checks on XX/XX/XXXX for the balances in his accounts ( less than {$500.00} total ). After depositing both checks they bounced on XX/XX/XXXX, my bank told me insufficient funds, and I received a penalty fee for the returned checks. 

Today XX/XX/XXXX I contacted Chime and they told me they are not responsible for the bank fees, that the checks were sent to me in error, and they now need a Small Estate Affidavit to reissue the checks. 

As I've already provided the initial documentation they requested, I'm concerned if I provide any additional documentation why should I believe any future checks from Chime won't also bounce an incur additional fees?
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANCORPORATION (MA)

Cadence Bank sends notifications of the customer account activities via unsecured and not encrypted email messages. The information in the messages includes payment transaction amounts and names of the payees and is made accessible by unauthorized third parties. 

When contacted by the customer about the issue, Cadence Bank responded that they do not consider transaction amounts and payee 's addresses sensitive information. 

Cadence bank rationale of not protecting transaction amounts and payee addresses as sensitive information, as expressed in the attached response from its customer service, was that it is the same information " as would be printed on a physical receipt at any merchant ''. 

While I understand that certain physical instruments used in processing payments by the banking systems contain payee 's name and transaction amount, I expect that such physical instruments are protected from being accessed by unauthorized third parties by being physically stored in secured locations or transported by mail carriers with appropriate level of security. It appears to me that Cadence Bank 's management does not understand the difference between storing and transporting sensitive customer data via physical instruments and unsecured and not encrypted email messages. 

Perhaps the Cadence Bank 's management is not aware that information that is transmitted by unsecured email messages is travelling through multiple internet cables and routers, it is being stored in unsecured and not encrypted form by many parties handling the data transmission, and as such is easily accessible by unauthorized third parties anywhere in the world. 

There are plenty information online describing why companies should not use unsecured email to transmit the type of information that consumers would like to keep private. For example, a quick internet search can point Cadence Bank management to the following article XXXX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I opened a checking acct. # XXXX with Citibank and mailed them a check in the amt. of {$15000.00} which they received on XXXX/XXXX/16 They were supposed to credit {$400.00} to my account within 90 days So far they have not given me a XXXX even though 3 customer service employees have confirmed that I have met all the requirements to receive {$400.00} bonus. 
They keep telling me that they are doing investigation as to why their computers did not issue credit. 
Citibank can do all the investigation after they credit my account. It is not my problem that their system XXXX up. As a customer I really do not care how they program their computers and why they do n't work. 
Please help. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX P.S. - If you want to publish this complaint, please remove my name, phone # and Acct. # Thanks.
Consumer complaint received 2021-09-30
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: ACIMA CREDIT, LLC (NC)

This Had to have my identity taken at 1st it was listed under XXXX XXXX XXXX = being the 1st name XXXX = the last name my name on XXXX. address Unknown nothing was never delivered to my apartment that I have lived at my apt for 9 years I also have a lease.. I moved here in XX/XX/XXXX. I tried to me the company & they said the owner had a XXXX number called and when more information I needed my ID from that point EVERYTHING Went IN MY NAME. I have no knowledge of what was bought nothing. The police needed more info I have nothing but a credit report that is now in my name that started off under my XXXX name LOOK everything on my credit is in good standings why not this I'm at a stand still... PLEASE HELP
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I reviewed my consumer report and discovered identity theft committed on my consumer report as I never gave consent to, authorize nor did I benefit from any of the following Hard Inquires : 1 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX as Pursuant to Federal law FCRA 15 USC 1681a ( d ) ( 1 ) states that said Hard inquiries are indeed consumer reports ; and pursuant to 1681b ( a ) states that any consumer report agency may furnish a consumer report under the following circumstances and no other pursuant to 15 USC 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates and I The consumer never gave Equifax nor did I give XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX instructions to furnish any of the said consumer reports on or in my credit file which makes them civilly liable pursuant to 15 USC 1681n for a consumer report is indeed my reputation. On XX/XX/XXXX I sent Equifax an identity theft report requesting and demanding that they block and remove the said Hard Inquires from my credit file. It is Equifax position that the processing of my credit file has not been in accordance with all applicable laws and I am therefore demanding monetary compensation For {$1000.00} per Hard inquiry ( consumer report ) ; {$25000.00} per Hard inquiry a total amount of {$52000.00} to be sent as check. I have sent the identity theft report certified Mail with the a cover letter and 605b letter attached certified mail number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX
Consumer complaint received 2019-10-08
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. (CA)

I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

In the process of submitting a refinance application I became aware of a delinquent account with SYNCB/STASH that had been sold to a debt collector, XXXX XXXX XXXX, XXXX ( XXXX XXXX. This was a fraudulent account that I had not opened and was not aware of. I attempted to reach out to SYNCB/STASH to make them aware that the account was fraudulent but they referred me to deal with XXXX. After months of going back and forth XXXX acknowledged that the account had been fraudulent and that it would be deleted. 

After rechecking my credit it came to my attention that the account was still reporting, but that it was now a delinquent account with SYNCB/STASH. I once again reached out to SYNCB/STASH in order to have them remove the account from my credit. They refused to do so and said I would have to re-initiate another investigation with them that will take months to resolve. 

I am reaching out to you for assistance because SYNCB/STASH unwillingness to deal with this matter seriously and expeditiously is delaying my ability to refinance my home and will result in having to pay thousands additional in discount charges in the process.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my Amazon Store Card. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from Amazon showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! Amazon continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my Amazon card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that Amazon provided on a letter lowering my credit report are not FACTUAL, and Synchrony should remedy this IMMEDIATELY. It is because of Synchrony Bank ( that finances Amazon ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.
Consumer complaint received 2018-09-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

On XX/XX/XXXX I paid through a XXXX XXXX {$1300.00}. On XX/XX/XXXX, I bought three money orders which totaled {$2300.00}. On XX/XX/XXXX, I paid through a XXXX XXXX the fee of {$1100.00}. This totals {$4700.00}. To cure the default I had to pay {$4000.00}, XXXX. Ditech left a balance of {$730.00} for the Corporate Advance Fee and {$840.00} in Late Fees. Ditech did not pay {$130.00} of NSF Fees, or {$20.00} for Other Fees. Ditech put money is Escrow which resulted a check for {$1500.00}. I wrote a Notice of Error requesting my money be reallocated. In XX/XX/XXXX, Ditech sent an Escrow check of {$1500.00}. I sent certified mail to return the check to me because Ditech did not allocate money correctly. On XX/XX/XXXX Ditech sent another letter out for me to Cure the Default with fees of {$130.00} NSF Fees, {$20.00} Other Fees, {$730.00} Corporate Advance Balance and {$930.00} in Late Charges. The first time I paid these fees were through 3 money orders, and 2 XXXX XXXX at XXXX. The second time I paid these fees were through 2 XXXX XXXX of {$520.00} each on the dates XX/XX/XXXX, and XX/XX/XXXX. I sent 4 money orders which all specified a certain amount and how it was to be applied. XX/XX/XXXX -- {$130.00} NSF Fees, and {$20.00} Other Fees. XX/XX/XXXX {$930.00} Late Charges, and {$730.00} Corporate Advance Balance. I am sending copies of the Quit Claim Deed I sent to Ditech. I am attaching Notice of Error from XX/XX/XXXX, information sent to through certified mail about the Escrow check sent to him in XX/XX/XXXX, and copies of what I have currently paid to Cure Default by XX/XX/XXXX
Consumer complaint received 2021-08-03
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. (IL)

I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed XXXX unauthorized inquiries. The fact that these inquiries are reporting is fraud and identity theft. Attached to this complaint is the letter i sent to Equifax along with identity theft report.
Consumer complaint received 2021-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (CT)

Hello, I got a personal loan from XXXX on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The Goldman Sachs account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the XXXX and Goldman Sachs couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying XXXX {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Recently, I submitted a complaint against XXXXXXXX XXXX through this website. They responded my complaint but they did not solve my problem. Instead, they wanted me to contact Markus by Goldman Sachs directly to refund my money into my account. Apparently, my money was cashed out with another account ( which is not mine ) at Markus by Goldman Sachs. I am attaching XXXX 's response to this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

Ive sent two dispute letters to investigate and remove unauthorized inquiries. I asked for proof of my signature requesting credit from the alleged creditors and its been over 60 days with no response or proof.