davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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. (WA)

XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX EQUIFAX : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 XXXX doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( Equifax XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
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. (CA)

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 2021-02-22
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)

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX* Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2021-02-22
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: Colony Brands, Inc. (MO)

Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX has since removed the information completely. However, XXXX XXXX AND XXXX are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. XXXX has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, XXXX  is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim. 

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. XXXX shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.
Consumer complaint received 2017-08-02
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. (WA)

I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

XXXX XX/XX/XXXX PayPal restricted my account forever. Then told me I'll be able for withdraw my rest of money after 6 month. After 6 month I got email about my funds are eligible for withdraw. After that I started trying to withdraw my money. But still XXXX XX/XX/XXXX I can't withdraw my money. They're not letting me add bank account & not letting me withdraw my money. Already I've send them minimum 100 emails & 50 times I've talked with them on call. Each time they told me try again after 24hr or 72 hr. Everytime I got same suggest & email reply. Still I'm not able for add bank & withdraw my hard working earning money.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.
Consumer complaint received 2021-02-22
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. (SC)

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is Equifax, XXXX and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Consumer complaint received 2021-02-22
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. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX ( XXXX  XXXX XXXX Equifax XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX Equifax XXXX XXXX {$710.00} XXXX XXXX {$8100.00}
Consumer complaint received 2020-11-16
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. (MO)

DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. XXXX  & EQUIFAX HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! XXXX  AND EQUIFAX NEED TO FOLLOW SUIT!!!!
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NC)

I have made several unsuccessful attempts to have Credit Karma stop emailing, and to get them to cancel my account with them. In XX/XX/ 2020, I checked my credit reports with the three credit bureaus and Credit Karma had made more than 30 inquiries. I would like for them to remove my profile from their website, and to discontinue emailing me. I visited their site to attempt to remove my account and I was unable to enter. Please see attachments.
Consumer complaint received 2020-08-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

We were working with XXXX XXXX with US Bank on purchasing a second home in XXXX After getting pre qualified through XXXX with a 3.25 % interest rate we signed a contract for a home. We sent over the ratified contract to XXXX to lock in our rate and get the ball rolling on XX/XX/2021. On XX/XX/XXXX, XXXX 's assistant introduced himself and started requesting all of our financial information, personal info etc. On XX/XX/XXXX I asked a question, no answer. I reached back out on XX/XX/XXXX and XXXX shortly replied stating that XXXX would have to answer my question. I never heard back from XXXX so I followed up on XX/XX/XXXX, XXXX again replied and ensured me that XXXX would get back to me that day. Never heard from XXXX so I followed up on XX/XX/XXXX. XXXX didn't reply until XX/XX/XXXX when he said " There was a recent change in lending industry for 2nd home and investment property and regrettably I will not be able to give you the rate we originally quoted you, the rate for 2nd home is currently 3.625 % due to this new change ''. So I called around other lenders including US Bank and they informed me that this change wouldn't go into effect until XX/XX/XXXX. So I called XXXX 's XXXX XXXX XXXX and he informed me that if XXXX locked in my rate like he should have back on XX/XX/XXXX that this change would NOT have any effect on our loan or interest rate. XXXX XXXX cost XXXX {$20000.00} with this higher interest rate, he cost us valuable time for our closing and he also hurt our credit due to our new lender having to do another hard credit pull. Now XXXX 's XXXX is ignoring my calls and voicemails and won't call me back.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (KS)

For several months this spring I received emails from Sam 's Club/Synchrony bank telling me that I was to accept estatements and that I was not to receive any more paper statements. I did not accept estatements ; I checked my account on the website and it does not show estatements turned ON. I have not received any more paper statements for the months when I had purchases.
I received my last Paper statement for Payment Due Date XXXX/XXXX/17.
I did not receive a paper by mail or estatement by email for purchases I made on XXXX/XXXX/17. I did not know the " From and To '' date for the billing cycle for the purchases, and estimated that the payment was due on XXXX/XXXX/17. I did not know whether or not my estimate was correct. Evidently I was right, because a {$37.00} late charge was not applied to my Synchrony Bank card account for Sam 's Club.
On the morning of XXXX XXXX, 2017, I spent 2 hours on the phone with no results. I called Synchrony bank and got nowhere. The credit card company said I was supposed to be receiving paper statements. Obviously paper statements have been turned off. I can only go on the web site to ask for a " past '' paper statement.
I also tried to call Sam 's Club head office. I was given incorrect numbers by the local store. It took half an hour for me to get a number to Sam 's Club head office, but I never got through to anyone to tell them about the problems created by the card company for their customer : It is obvious to me that this is designed to create confusion for the credit card holder. People schedule payments from a statement where they can see the charge, payment due date, and a " from to date '' for the billing cycle.
Problem 1 : No statement means that people will miss a payment and have {$37.00} fee applied.
Problem 2. There is no " From To date '' for the billing cycle. This means that I can not tell the billing cycle that a purchase falls into, therefore I can be charged {$37.00} for late payment.
Consumer complaint received 2021-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (WA)

This letter is to advise the Consumer Financial Protection Bureau of Lending USAs complete disregard for the terms and conditions that govern the, what I believe to be a usurious, consumer loan. Since XX/XX/XXXX Lending USA has not correctly applied the payments made as set in the contract signed XX/XX/XXXX. 

A letter containing relevant documentation will be attached to this complaint.
Consumer complaint received 2022-12-03
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: Lendmark Financial Services (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IA)

I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. 

I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. 
It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. 

If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.
Consumer complaint received 2020-07-04
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: CITIBANK, N.A. (KY)

Back in XXXX of this year, I received a letter in the mail from Citi XXXX XXXX stating they have completed their investigation regarding my Office Depot account. In the letter, it states if I have other evidence that I would like them to consider in regards to my dispute please mail the supporting documentation. On XX/XX/2020 I mailed off further documentation providing more evidence that the item they're claiming I have has been picked up. I have not heard anything else from them since I mailed the letter off, yet I am still being charged on my credit card for an item I do not have. Earlier this year in XXXX I received a credit card from office depot with a {$1000.00} credit limit. When I received the card I went online and tried to place an order and it got declined. I'm thinking well maybe I entered some information in wrong so I went back and tried to complete a second-order that also got declined. After that, I gave customer service a call, which is awful by the way, and they had put a stop on my new card that I had never used before. Stating they thought it could be possible fraud due to the large amounts. The two orders only added up to about {$200.00} or {$300.00} dollars so I was confused about why they put a stop on my card. The customer service agent removed the stop and stated over the phone it was okay for me to start placing orders. What was NOT stated on the phone was the two previous orders I originally placed would go through. So now I've been charged for 3 desks and chairs. All items that I have been wrongfully charged for have been returned. I have no desk and only have 1 chair. All other items are returned. The chair amount is {$140.00}