davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
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. (NC)

On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2015 I deposited a check in my account and my account was closed after that. 
the funds were put into suspension. I have no access to my account. I want the check to be returned to the issuer of the check.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I filled out the online form to get my annual report from equifax then the website told me that the report was " unavailable '' online. They provided a complicated and onerous procedure for me to collect a bunch of paper documents and apply for it by mail. This unreasonable burden effectively deprives me of the annual report to which I am entitled by law.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. 
Later a collection agency started collecting, I equally replay that it was not mine. 
That agency placed delinquency in the credit bureau and I disputed. 
This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. 
the following shows it all : From the XXXX  XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX  XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . 
XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have a mortgage with LoanCare Servicing. I have been on electronic statements and records for a long time. Over the last few weeks I have been unable to access my online account, and therefore can not access statements and other information vital to the process of escrow for a new home. Several times I have waited on hold for very long periods trying to get LoanCare to fix this. Each time I am told they will call me back " in a few days ''. I never receive the call. My attempts to resolve this via email have not been successful. 

LoanCare is harming my ability to obtain a new loan, see the status of my existing account and manage any account aspects. They have also been very rude each time I have discussed this issue with them. 

LoanCare Servicing XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-04
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

Today, XX/XX/2019, Synchrony Bank called me 25 times in less than 10 minutes from phone number XXXX. The calls took place from XXXX XXXX CDT to XXXX XXXX CDT. I answered on the last call, and then they hung up. They have not called back since. They also called 3 other times today from two other numbers, making it a total of 28 times since XXXX this morning. I do intend on taking care of my payments owed, but this is harassment.
Consumer complaint received 2021-03-26
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. (NC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

To Whom It May Concern : I've had a Free ( no monthly fee ) Business Checking Account with Wells Fargo back for approximately ten ( 10 ) years to date. On XX/XX/2019, Wells Fargo Bank charged me a monthly service fee of {$14.00}. I called and spoke with a Wells Fargo Bank representative and Wells Fargo Supervisor regarding my account being serviced a monthly fee. I was informed by the supervisor that Wells Fargo Bank had changed their checking account requirements. The new checking account requirements are different than the requirements that I agreed to when I signed a checking account agreement with Wells Fargo Bank. I did not agree to this monthly service fee and I requested that my Wells Fargo Bank Business checking account be returned to it's original account requirements and not be charged a monthly assessment. Please investigate. 

Sincerely,
Consumer complaint received 2017-09-25
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)

On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.
Consumer complaint received 2019-06-04
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 HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

so while i was in my last year of highschool a guy in my school asked me to use my chase bank account to purchase something but XXXX use his money so i trusted him with it and he committed a fraud in my chase bank account XXXX XXXX XXXX ). Now that im in the XXXX and i have a bank account with XXXX XXXX, XXXX XXXX has my bank account on restriction because of the fraud the guy did in my chase account. Ive called XXXX XXXX about it and they told me to contact EWS, ive done that and started an investigation. They sent all the information to chase about the investigation and chase has yet to reply to them. Ive contacted XXXX about it and they tell me to talk to XXXX XXXX, then XXXX XXXX tells me to talk to XXXX and XXXX tells me to talk to XXXX so basically theyre all giving me a runaround. I really need this situated because i need access to my money. You can contact me at XXXX XXXX XXXX XXXX but you can also email me ( which is the best way to contact me XXXX. My email is XXXXXXXXXXXX.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I have a debt that I owe to XXXX XXXX XXXX, which is an apartment community in XXXX, Colorado for an eviction. I owe {$4600.00}, which is not disputed. I want to make arrangements to pay because I figured out a solution in order for me to begin making payments. I recently checked my credit report and the balance increased by {$1600.00}. The collection company is " Hunter Warfield '', based out of XXXX, Florida. http : //ww2.hunterwarfield.com. Hunter Warfield has a business relationship with XXXX, I do not. I never agreed to ANY arrangement with Hunter Warfield, I do not have a business relationship with Hunter Warfield of any sort. If XXXX chooses to outsource this debt to Hunter Warfield, that is their choice. The {$1600.00} makes future payments for me unreasonably difficult, I will not agree to ANY interest or increase in balances owed. I will pay what is owed {$4600.00}.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Receiving tons of robo calls from IC Systems regarding a debt that does not belong to me. Please follow-up with police report # XXXX. 

When I asked these people to stop calling they refuse to do so and persist to call on a variety of different numbers throughout the day.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I may have fell behind with the payments but i also paid double the monthly payment on XX/XX/XXXX which i thought would cover XXXX and XXXX then also paid more than triple the payment on XX/XX/XXXX {$2100.00}. I thought that would cover XXXX and part of XXXX. XXXX was 30 days past due in XX/XX/XXXX, ( 30 days late ) and i made a payment XX/XX/XXXX of {$2100.00} which should have covered XXXX, XXXX, and XXXX  100 % and left over approx $ XXXX late fees towards XXXX XXXX payment. which would have not really have been late until XX/XX/XXXX and you received a payment before that due date ; however, i have 5 late payments reporting in the last 5 months not 2 at the most based on the payment details outlined above. Please see the attached letter. I'm humbly asking for help with this matter.
Consumer complaint received 2020-11-27
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: EQUITY LOANS LLC (FL)

On XX/XX/XXXX, XXXX/EQUITY PRIME MORTGAG add a hard inquiries on my credit reports per XXXX  ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/2021 I contacted Hyundai Motor America regarding billing. I asked for a deferment for the month of XXXX. I was informed they needed to process the application. 

The application was approved and I needed to sign documents which was esigned on XX/XX/2021. 

Today XX/XX/2021 I receive a call from Hyundai Motor America stating this is an attempt to collect a debt. I informed the agent I signed the documents and was told my next payment would be XX/XX/2021. 

I have a copy of the documents and now they saying it has been denied because they did not receive the paperwork on time. This is false because I did everything with the agent while she was on the phone. This is a violation on behalf of the company because they never contacted via mail, email or phone to inform me the application was denied. If the Agent would not have called me to state she was attempting to collect a debt which is not even 30 days late I would have never known about this issue.
Consumer complaint received 2019-06-04
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-11-27
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)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Equifax and XXXX. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

I hope this message finds you and your families doing well. 
This Complaint is for CoinBase Pro Trading Platform. I have approximately XXXX XXXX XXXX U.S. Dollars ( not cryptocurrency ) on the CoinBase Platform. Coinbase will not give me access to my Dollars. I have been locked out of my account and they will not give me access no matter how many times I submit a request to support. On XX/XX/19 I had an indication on my phone that someone was attempting to access my trading account without my permission. ( I have the 2 step  verification set up and no one can access my account with out the pincode sent to my phone. ) I immediately called CoinBase Pro explained to them what had occurred. Coinbase said that " My funds were still available and that they would shut down the account so that no one including myself would be able to gain access. '' I explained to them that I was traveling and that it may be sometime before I could address this issue but would get back to them as long as my funds were secure. Coinbase assured me that my funds were secure. 
They sent me an email on the XX/XX/19 indicating that the problem had been fixed on their end and that I should secure my email phone etc on my end. 
On XX/XX/19 I have began to access my account with no success. Every support ticket I submit is returned " Account closed by an automated email. I have spoken to support on several occasions and they have said '' Your request has been prioritized and sent to a security specialist '' and I should wait to hear back form them. 
I receive a ticket closed or I hear nothing back at all. 
Since you are asking that I provide no personal information, or account information, this is all the information I can provide to you at this time.These people have in essence stolen my US Dollars and I want my money. 
I hope you can help me with this problem and any other information such as account number and support ticket can be supplied to you at will. 
Anything you can do to help would be greatly appreciated. 

Kind regards,
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Two credit cards were issued by Walmart and JC Penney respectively via Synchrony Bank. The credit grantor closed the WalmarXXXX account in XX/XX/2018 and the JC Penney account in XX/XX/2018 and have continued to charge an active {$38.00} late fee on both accounts each month. After contacting the companies respectively regarding the charges, the representatives would not remove the late fee charges although they have denied access to the credit on both cards for more than 6 months. The charges for late fees after the account was closed have destroyed my credit and I am seeking relief in damages. I have been denied additional credit and the credit score of myself and my authorized user has been severely diminished. The accounts are reporting as closed to the three major credit bureaus however the late fees are showing active each month thus further lowering my score. I have no issue with paying the amount of the credit used with the appropriate interest, however, charging late fees on closed accounts is not listed anywhere in the disclosures for each account nor with Synchrony Bank itself. In addition, my mother is listed as an authorized user and representatives have refused to discuss the account with her to resolve the matter. I was an XXXX XXXX XXXX college student when I signed up for the accounts and I authorized her to manage the accounts on my behalf and she was denied. 

These creditors are charging interest on late fees in addition the actual balance thereby running the balance up in excess while denying access to credit.