davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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)

I am a legal XXXX XXXX. After residing outside the U.S. for over 17 years I returned permanently in XX/XX/XXXX. I attempted to purchase a phone with my name and social security on credit and my brothers credit took a hit. I attempted again to obtain a XXXX  XXXX store card and again my brother took a hit and I was again declined. XXXX XXXX wrote me on XX/XX/XXXX and informed they were unable to confirm my identity. The provided links to the 3 agencies and I contacted them all. Through XXXX XXXX I was finally able to confirm my XXXX XXXX soft hit and a zero credit rating with XXXX XXXX. I contacted Equifax and XXXX  by phone and via fax provided copies of valid drivers license and social security card. Equifax replied by mail on XX/XX/XXXX and stated they were unable to locate a credit file for me because of 3 reasons that all applied : quote - You may not have a current file - You have not applied for credit recently - You have not actively used credit in the past 10 years. I took this to mean as in the other two agencies, I had a zero credit rating upon which I could start to build. However, on XX/XX/XXXX I received a letter from XXXX XXXX in response to my attempt to open a checking account online to facilitate direct deposit of my salary stating I was declined specifically in response to an Equifax credit score dated XX/XX/XXXX of XXXX, Contradicting Equifaxs correspondence of XX/XX/XXXX. Obviously they are still reporting my brothers information and preventing me from opening a bank account, obtaining and building credit and ultimately being able to facilitate my employers requiring a method of direct deposit forcing costly alternatives such as check cashing services. I am appealing for your assistance as legal services are equally costly and time consuming.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

Since XX/XX/XXXX, I have had four fraudulent attempts to open a Chase/XXXX XXXX Credit Card in my name. They use all the correct information except for my correct current mailing address. They keep using my parents home address. But as of XX/XX/XXXX, the fraudulent have been able to open a credit card in my name and went through this time ( not denied ). I called on Saturday, XX/XX/XXXX as soon as I found out when I received an email regarding a change in my credit report. I notified XXXX and they closed the account. They have known about these issues but yet it keeps happening every month. I have filed police reports as well as FTC Identity Theft Report with them and this still seems to keep occurring. I also have XXXX on my accounts, and fraud protection through the credit bureaus but nothing is stopping this. I am beyond frustrated and since I already have this card, I do not understand how this was able to go through and this person be able to open this card on me.
Consumer complaint received 2020-05-30
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: CITIBANK, N.A. (IL)

I called Sears Home Improvement for a free estimates for my roof and Countertop, A XXXX came out and gave one for my countertop, then a roof guy came and gave me XXXX for my roof the next day. Both rep then ran my credit and to my surprize I was approved for {$25000.00}. I went ahead and sign the contract but I advised XXXX that the payments was way too high but my Insurance company was in process of giving me some money for damage on my roof. It did not come through. I then called my XXXX XXXX and told her that I was cancelling the deal, she told me it was ok because she gets paid anyway and that she would come back to my home and do the cancellation herself, we agreed. I filled out the cancellation form and mailed it in two days before, XXXX XXXX didnt come to my home her boss did and his intention was to convinced me to keep the deal going. I refused he then told me cancel the countertop and put the roof on hold uhtil, but I refused and told him to Please cancel the contract, we shook hand and then he left. To my surprized he didnt cancel the deal and so my card was charged
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

I reported a fraudulent charge on my PNC Cash Rewards card in XXXX, XXXX. PNC promptly cancelled the original card and reissued me a new one. 
I set up the original card to use the scheduled balance transfer feature provided by the bank. The bank did not use this feature to pay toward the {$41.00} remaining balance as agreed. 
The balance of {$41.00} was instead transferred onto the new card. I did not put any new charges on the new card. It was also not made clear to me that the same automatic transfer feature was not active on the new card. 
This issue was brought forward to me on XXXX XX/XX/XXXX, when a PNC agent called me notifying me that my credit card account was delinquent due to an outstanding balance of {$100.00}, consisting of the original {$41.00} and miscellaneous late fees and interest charges. 
I contacted the bank to rectify the impact on my credit report to no avail. I also requested a verbatim copy of the Card Replacement Disclaimer to no avail. I have to resort to CFPB to receive a  satisfactory response on this incident.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying for 9 months to correct my credit report and score with hours on the phone, reporting, mail etc. I CAN NOT GET HELP! 

According to Equifax, my score is lower because of late and or delinquent credit cards. I DO NOT have ANY late or delinquent credit cards. They won't fix it because they can't do a dispute because I don't have anything specific to correct. 

I am including a screen shot showing the incorrect information and a copy from the Equifax site showing I DO NOT have ANY late or due payments. I don't even have a credit balance. 

PLEASE HELP!
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

Contacted Synchrony Bank/Care Credit on multiple occasions, and three times on XX/XX/2019. They claim to have sent a card to me which they also claim was returned. I'm trying to resolve the alleged mail delivery issues. I can not find the company 's original email, claiming the card had been returned by the USPS. They still have failed to get a card to me, with an account opened one month ago. They claim a system email from the legal department was generated and insist there is no way to resend it to me. Two different supervisors also claimed there was absolutely nobody they could ask, or compose a general new factual email with the necessary details to resolve the alleged mail delivery issues I seem to be having, according to them.
Consumer complaint received 2021-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (VA)

On XX/XX/XXXX I contact our XXXX loan company in XXXX, Virginia, CHECK INTO CASH and asked 1 ) do I have a grace period for the loan and how long it was. 2 ) what is the amount of late fee and 3 ) what was my husbands loan pay off amount. I was told that my husband and I had 7 days from payment due date before a {$25.00} late fee was added. I asked no more than {$25.00}? XXXX at CHECK INTO CASH told me no. Just {$25.00}. She said my husbands PAY OFF amount was {$760.00}. I asked if I pay it off on XX/XX/2021 would it still be {$760.00}? She said yes. She said it wouldnt even be 7 days late. I phoned CHECK INTO CASH today to pay my husbands loan off and was told by XXXX that the amount of payoff is {$970.00}. I told her what XXXX had said and she said that 30 days of interest had been added on! I told her NO ONE at CHECK INTO CASH had told us that. Even on the day we rolled it over for the last time due to some new law passed by the governor of VA about no more payday loans as told to us by XXXX at CHECK INTO CASH on XX/XX/XXXX. She said we could pay it off then or start making payments. Today XXXX stated since we hadnt made our first payment yet that the pay off was not {$760.00} it was XXXX with the 30 days of interest! 
This is FRAUD!! I can only imagine the people being charged like this who dont understand like I dont!! Since this is a new way to loan because of the new laws by our governor I dont think THEY understood in XXXX or they just didnt disclose. Please help me!! 
XXXX XXXX XXXX
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.
Consumer complaint received 2021-11-27
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)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I had several ( 14 ) fraudulent hard inquiries I asked equifax to delete. They did not and stated they were statement of fact and would remain. I submitted a request for information on who was spoken to and asked for a copy of my authorization to have done, since I never authorized. I then went to the sheriffs office in my town and filed a fraud report and submitted to equifax, they still did not delete. I filed a small claims court case against equifax on XX/XX/XXXX. My court date is in XX/XX/XXXX. 
Im calling equifax and they say they dont have a department to arbitrate this, even though the court asked me to arbitrate with them. They make it very difficult to settle this when they are wrong and are negatively impacting y credit file. 
I want equifax to delete all my hard inquiries immediately. Depending on how quickly they do this will determine wether I drop my small claims court case.
Consumer complaint received 2021-01-23
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: DISCOVER BANK (IL)

A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM DISCOVER FIN SVCS LLC. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I got an un-authorized charge in the amount of {$620.00} from XXXX XXXX XXXX on my Costco Anywhere Visa Card by Citi on XX/XX/XXXX. I contacted Citi Card on XX/XX/XXXX and also filed the dispute online regarding the un-authorized charge. When I checked my Citi Card online statement and didnt see the charge removed. I called Citi again on XX/XX/XXXX. The rep on the phone told me that he was not sure but noted it again to have the charge investigated and removed. 

The charge was never removed so I called Citi again on XX/XX/XXXX and again was told it would be taken care off. Today XX/XX/XXXX, I got a letter from Citi that they tried to reach out to me but did not receive information needed and I will have to pay the amount. Otherwise they will report my account to consumer reporting agencies. I have a loyal customer with Citi for many years, since XXXX. I dont feel this is how they should treat any of their customers. 

Thank you in advance for your help.
Consumer complaint received 2021-11-27
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)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX  unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-04
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. (IL)

Equifax and XXXX are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NC)

I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. 

I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. 

I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

My checking account was hacked and I had to be the one to catch it due to my creditors contacting me. It shows that they used different devices or ways to access my account. The did bogus claims on my account. From what the banker explained to me that they would have then gone back and took that money out of my account. Its caused some of my utilities to be possibly cut off. Or the threats of plus fees. Chase then took the money back out of my account to send to the creditors but never received the payments. Now Chase is stating they will have to possibly take the money out of my account a second time. So Im being robbed twice. I have reached out to the bank manager, her boss. Neither have attempted to contact me other than the banker who is doing nothing but being rude and disrespectful. It seems that there is nothing that I can do about this. Its very stressful and Im on a fixed income. I am a combat war veteran who is stuck with no help. Can youll please do something any little thing will help. Please Im begging for help. I appreciate any help at all I can get please. Im possibly going to have to take them to court.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My social security number is XXXX. This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, 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 lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, snd XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ERC (NC)

To whom it may concern, Good afternoon, I hope your day is going well! 

This message is being sent in response to an alleged debt that has been reported on my credit report from your company. I have attempted multiple times to dispute, as well as attempted to obtain verification, rights, and proof of your companies legitimacy to report and pursue this alleged debt three months ago with no response at all, putting your company in violation of the Fair Credit Reporting Act of 1970. 

My attempted requests of proof and legitimacy were not handled in a timely, or legally acceptable manner in accordance with the FTC managed, Fair Credit Reporting Act under United States law. The Fair Credit Reporting Act requires that creditors must respond to these requests within 30 days, or the debt becomes invalid. 

By failing to respond to the previous attempts within the 30 day period that the ( Fair Credit Reporting Act ) mandates, I am requesting that your company immediately removes this alleged collection account debt from my credit report with all 3 major credit bureaus, as well as any others involved, due to your companies violations of the " Fair Credit Reporting Act of 1970 ''. 

Thank you for your time, have a wonderful day. 
- XXXX XXXX