davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (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 a payment on a credit card account under an open end consumer credit plan as late for purp
ose.
Consumer complaint received 2022-10-29
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2022-10-29
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. (AR)

The accounts with XXXX that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I filed a claim With chase over a atm withdrawal of XXXX dollars on XX/XX/2022. My claim number was XXXX have proof as well another atm transaction of XXXX on Friday XX/XX/1241 am was tried. And I replied no at XXXX am. Who was at the bank at XXXX am trying to use the atm there was no duplicate card. No one has my card but me I was home sleeping at that hour with my debit card in my wallet.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam, out of which $ XXXX was from Coinbase. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. Here is the link to the fake website impersonating XXXX : krasnysen.com My funds were sent to Coinbase were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Coinbase but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Coinbase for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks
Consumer complaint received 2022-05-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
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: BARCLAYS BANK DELAWARE (MN)

On XXXX I spoke with Barclay credit card about our jet blue credit card and a bait and switch. When we signed up we used the link on the JetBlue site which stated a {$250.00} statement credit and XXXX bonus miles. After signing up and purchasing the over {$1000.00} requirement in the first 90 days, we found out that they had changed the bonus in the terms on conditions to XXXX bonus miles and no statement credit. We would not have signed up if that was the bonus we had followed from jet blue.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

ADDENDUM : ( Amazon/Synchrony ) On XX/XX/2022, I received a suspicious email stating that I had received a digital letter response from Synchrony Bank and my zip code was required to open to open this letter. I deleted this email. I then checked my account again with Amazon/Synchrony because of a previously submitted CFPB complaint sent onXXXX concerning an incorrect account balance of {$240.00}. When I opened my account again, I discovered that my account balance has now increased to XXXX. I have not made any additional purchases.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (GA)

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 state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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 is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AZ)

1. Received {$50.00} Vanilla Visa Gift Card as a Gift XXXX, XXXX. Tried to use in XXXX, XXXX. Only {$15.00} available. Checked transaction summary. Charges were made for XXXX XXXX. Was not me. Sent email to Vanilla on XX/XX/XXXX for dispute packet. No response. XX/XX/XXXX cant get any info on gift card - " an error has occurred '' 2. Received {$100.00} Vanilla Gift Card as a gift XXXX, XXXX. Checked balance on or about XX/XX/XXXX. {$100.00} available. Immediately used the gift card as a payment for travel. On XXXX XXXX checked travel info and my payment was rejected. Checked transaction history. XXXX charge to XXXX on XXXX XXXX- this was not me. Have not contacted Vanilla.
Consumer complaint received 2022-10-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-29
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-29
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. (SC)

My formal complaint about this account, XXXX XXXX XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and Equifax credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. 

The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (CA)

I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by Transworld Systems ( TSIXXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from Transworld listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with Transworld back in XXXX. I then tried to obtain deletion directly from Transworld and they refused. I then disputed with XXXX, XXXX and XXXX and XXXX deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at XXXX and/or Transworld are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining Transworld accounts should be deleted by XXXX so I can obtain credit score lift. In fact, the 4 medical collections from XXXX  never should have reached Transworld for adverse listing against me. XXXX XXXX
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (AL)

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX  15 USC 1681 Section 602 A 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 an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

I have now had an issue with my Wells Fargo credit card for over a month. I contacted them at least XXXX times trying to resolve the fraudulent charges that were made on my card that did not belong to me but they keep denying my claim for the dispute. I have told them multiple times I did not have my card when these transactions were made and I explained to them which transactions were mines but they continue to deny my claim and the issue of the disputed charges all remains unresolved. Charges since XX/XX/2022 when my card was lost and the amount of almost {$2000.00}. The representatives who I spoke with who are supposed to be the higher level reps in the executive office all sound like they are foreigners and are hard to understand. They are very unprofessional and when I asked their information for my own records they refused such as they refused to provide me with a last name for anyone I spoke to. They tell me it will investigated 10 - 15 days and each time I get nowhere with them and I am still being charged and now the credit card is overlimit because of the fraud charges and they still wont resolve anything! Wells Fargo Cash card is the absolute worst
Consumer complaint received 2022-10-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX CARD XXXX Balance : {$0.00} XXXX  XXXX : {$0.00}
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1881 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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-04-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CASHCALL, INC. (CA)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

I opened up an account with Grain Technologies, an online line of credit provided by an app. I was awarded {$1000.00} and the amount was deposited to my checking account. This also reports to my credit report. I wanted to log in and payoff this balance and close my account. When I logged into the app, it said It needed to verify me, and requested I upload a copy of my drivers license. It then says verification can take up to 5 days. That was XXXX weeks ago. I have attempted to call the Grain Technologies customer support phone number, which does not have a live person or voicemail option. It is nothing more than a pre recorded sales pitch. I then sent XXXX emails over the past week. Each provides an auto reply that said I would hear from someone within 24 hours. That has not happened in either case.

I am demanding that a member of Grain contact me within 24 hours, provide me with a pay to payoff this account and close it.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
CURRENT ADDRESS 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