davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-19
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. (AZ)

Ive contacted XXXX 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Consumer complaint received 2022-10-15
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. (GA)

The inquiry listed in this report is fraudulent and I did not apply for it. Also attached is an identity theft report. 

Equifax Fraudulent Inquire XXXX XXXX XXXXXX/XX/2022 *IDENTY THEFT REPORT ATTACHED*
Consumer complaint received 2021-10-12
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. (TX)

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-12
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. (AL)

Dear Equifax, Please remove these accounts from my credit file. I have did my due diligence and all of these accounts are associated to XXXX XXXX Nevada I have never resided in XXXX XXXX Nevada. Please remove these accounts and all XXXX XXXX addresses from my credit file. My social was found in 3 different data breech. This is fraud please see enclosed ID state drivers license and identity police report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-12
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. (LA)

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form 14039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all 3 Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and Uncle. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and Equifax, but XXXX stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (OH)

Received a letter from Diaz & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX dated XX/XX/2021 indicating I have a debt of {$1900.00} for a XXXX Calling Card . The letter stated that if I pay {$670.00} by XX/XX/2021 the debt will be removed. I have never had a XXXX Calling Card and this debt is not in any of my credit reports. A XXXX search shows this company has attempted this fraudulent debt collection with many others and is still in business. This is a scam plain and simple and this company needs to be held accountable for their fraudulent actions.
Consumer complaint received 2022-01-08
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. (NV)

I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached XXXX XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (PA)

On XX/XX/22 transferred in enough money from one bank account to cover check. Seems it was past a cutoff point and didn't apply until the next day. Had to deal with some emergencies related to a sick cancerous child. 

On XX/XX/22 my check posted but I was charged not one but TWO overdraft fees. A tier 2 overdraft fee in fact.

Called in to see if I can have a courtesy overturn but was advised that they couldn't be reversed for an arbitrary reason. Now I'm concerned with this bank as I've done enough business with them already, including buying a house. What more do they want?!
Consumer complaint received 2021-10-12
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)

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
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. (TX)

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited 6 checks ( worth {$2700.00} ) on a Bank of America ATM on XX/XX/2022. Those checks were sent to me from XXXX XXXX ; they are the refunds of money orders. 

Bank of America abruptly closed my account on XX/XX/2022 without prior notice and refused to give me the balance of those deposited checks.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-18
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: The CBE Group, Inc. (PA)

I'm submitting this complaint in reference to CBE GROUP knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

The wells fargo claims department is so unorganized my card got hack got stolen earlier this year I went through all my wells fargo transactions there was alot of transactions I didn't make I'm asking for my refund for all XXXX transactions call the claims department XXXX all theses are my case the claims rep gave me denied all my claims I was very honest he had me on the phone XXXX XXXX XXXX I ask him can I get a temporary provisnal credit he told me no. Theses claims from XXXX and XXXX I didn'take any of theses transactions I feel wells fargo owe me a cashier check for all theses claims when ask file a claim he told me he couldn't cause my account was close I was hack I didn't make none of these transactions
Consumer complaint received 2022-08-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc. (NJ)

SoFi advertised 3 % cash back for SoFi XXXX members with direct deposit on their app. 
I applied by tapping on the promotion. I am qualified for the promotion according to the Terms and Condition of the promotion. ( Got and used the card before XX/XX/XXXX, have multiple direct deposits from my employer ) After a few transactions I notice it's showing 2 % cash back. 
I reached out to the SoFi credit card phone support, they didn't give me an answer. They said they will open a ticket. I already called them 3 times in a months for followup regarding the ticket they opened. They didn't give me any answers. 

It's been a month, it's still showing 2 % cash back. 

This is false advertisement and it should be illegal.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I made 2 large wire transfers to Coinbase Pro in early XX/XX/2021. Coinbase accepted my transfers, then 2-3 days later froze my account. I am unable to access or withdraw my funds. 

I made a formal complaint thru Coinbase Complaint email on XX/XX/XXXX, but after several emails asking me to wait longer for their " decision '', I am still unable to access my funds, or withdraw my funds- which are in excess of {$40000.00}. 

I contacted coinbase support several times over the course of 25 days, with no answer as to why my account was frozen, how I could recover my funds or how long they would take to give me an answer. 

Now, any email I send to them simply sends back an automated email saying " Sorry, this support/complaint ticket has been closed, please open a new ticket ... '' They are holding my funds with no clear path or date for resolution of whatever issue they are having.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sold a guitar online : XXXX  Check was sent for the cost of the guitar plus shipping via a service that was shipping other items for this individual : XXXX Check was deposited in my account. XXXX day later, the balance is up XXXX making me believe the check cleared. 
Sent the money to the shipping service via XXXX minus the cost of the guitar : XXXX Check bounces this afternoon. Money is already gone from my account. No fraud recourse from my bank, Bank of America, or XXXX because I participated in the scam.
Consumer complaint received 2022-08-17
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. (FL)

My XXXX XXXX account was opened in XXXX and payed as agreed and closed. Equifax is now reporting 2 late payments in XXXX and 2 late payments in XXXX. There has been no activity on this account since XXXX and was closed in XXXX. These late payments are false and should immediately be removed. Equifax noticed the discrepancy and assured me these late payments would be deleted. I called them back to check the status and they told me it was never removed. These false late payments are affecting me negatively and Equifax is reporting this misinformation still.
Consumer complaint received 2021-10-12
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. (TX)

I WAS LOOKING TO START ANOTHER BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING TO GET FUNDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Consumer complaint received 2021-10-12
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Systems, Inc. (MD)

I just received a notice from Capital Recovery Systems , Inc. claiming that my past due balance for parking violation owed to XXXX XXXX XXXX has been referred to them for collection. It took me by total surprise because I have never parked any car in XXXX XXXX. It doesn't even mention the car tag, a date nor the address where the violation occurred. Moreover, I have never received any initial or following claims directly from XXXX XXXX XXXX about any violation before it was sent to collection. It is all very bizarre to say the least.