davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (MO)

XXXX XXXX XXXXXXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX found in my reports with XXXX, Equifax and XXXX XXXX reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Consumer complaint received 2022-05-30
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)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-02-17
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. (DE)

These hard inquiries are only on my Equifax credit report. Ive reached out to all these creditors to have this resolved because they are not authorized by me and I was told to reach out the the credit bureau to get this taken car of. When I reached out to Equifax they said that could find paper work Ive mailed to them back in XX/XX/2022 and that I needed to file an report here.
Consumer complaint received 2022-02-17
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)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-17
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC (OR)

Employed by XXXX XXXX to collect a ( false ) debt, these folks have managed to show a complete disregard for both my livelihood and my XXXX  from both XXXX  and a XXXX XXXX, not to mention the IRS 's pursuit of me for back taxes. In sum : * Their representative lied to me -- on a recorded line -- that they'd been attempting to reply to a settlement offer I've given in good faith -- my XXXX bonus earned from a job I'd had for less than 6 months * My repeated requests to confirm the date of the hearing went answered -- despite my pleas to confirm the date so I could request time off -- -and SUDDENLY, today, I'm told that I need to be on a XXXX  meeting. Giving me NO TIME to request time off * My XXXX  XXXX  is noted on the case. 

A simple email telling me the confirmation date would have sufficed, kindness and respect as well as fairness is a part of debt collection, is it not? Yet, tomorrow I am forced to take a day off work since no one bothered to confirm for me the date. This threatens my job since I've been there for less than a year. Unkind. Abusive.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

On XX/XX/XXXX I initiated a money transfer ( # XXXX ) using WorldRemit service. Total amount u $ s XXXX. After that I never received any communication indicating there was a problem with the transfer. so I assumed everything was taking care. 
On XX/XX/XXXX I received an email from Worldremit stating that the above mentioned transaction was never completed and they were going to issue a refund. 
On XX/XX/XXXX, I requested information on the refund via online chat and I was given a Case Number to my claim ( XXXX ) to use for future reference. 
On XX/XX/XXXX I requested via online chat an email address to request information and I emailed a request on the refund status. 
On XX/XX/XXXX, I forwarded bank account information as a response to an email from WorldRemit in which they stated they were having " system restrictions '' and requesting Bank account information to proceed with the refund. 
On XX/XX/XXXX I emailed Worldremit requesting an update on the refund. On XX/XX/XXXX once more I contacted Worldremit via email to no avail, I also contacted Worldremit via online chat and provided once more my bank information to no avail. 
As of today I have yet to receive the refund from WorldRemit.
Consumer complaint received 2022-05-30
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)

Upon reviewing my updates, the incorrect information was 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 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} Equifax : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2022-05-30
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 to the Fair Credit Reporting Act, 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 2022-02-17
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. (VA)

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with Equifax, XXXX, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Consumer complaint received 2022-05-29
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2021-11-10
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On Friday XXXX my account was compromised. There were 2 atm transactions that were successfully taken out of my account. One transaction was for {$200.00} at XXXX at a XXXX XXXX and {$40.00} at XXXX at a XXXX XXXX XXXX While, I was at work. I received numerous alerts regarding atm transactions that were declined. The declined transaction were for {$820.00}, {$500.00}, {$400.00}, and etc. i disputed the situation with chime bank. They sent me an email an hour later saying there wasnt an error and there closing the dispute. What kind of investigation is done in a hour. There is no way an investigation was done.
Consumer complaint received 2022-02-17
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: Lending Club Corp (CO)

Lending Club is incorrectly reporting on my XXXX credit report as 90 days late in XXXX and XX/XX/XXXX. XXXX Lending Club loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a Lending Club representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment, I called Lending Club immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from Lending Clubs web site, Lending Clubs response to my XXXX  complaint, my XXXX  XXXX XXXX completed Lending Club payments, Lending Club hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an XXXX report of Lending Club reporting. I am including all of this just in case Lending Club tries to report me any other month late that is incorrect. If you look at Lending Clubs response on the XXXX  complaint, Lending Club assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MI)

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on DISCOVERBANK with account number XXXX.
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-29
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. (NY)

On XX/XX/2021, I contacted Equifax about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Citigroup has responded to my previous inquiry, and has not provided adequate reasoning behind the decision to provide me a credit card. Reference # : XXXX states : " Length of time accounts have been established on your credit report '' & Your credit report shows too many recently opened accounts. 

Every credit card I've had for the past 70+ months has been paid in full, on time, each month. 

This is predatory lending at it's finest
Consumer complaint received 2022-05-29
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. (NY)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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. (MN)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # 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 is also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-16
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. (NY)

Myself XXXX XXXX XXXX recently viewed my Equifax consumer report # XXXX and noticed Equifax continues to report inaccurate fraudulent inquiries on my report and states they verified these items but have not provided the evidence or proof required by law of the reinvestigations that Congress has laws sent in place. Equifax continues to violate my rights to privacy and rights under the Fair Credit Reporting Act to fair and accurate consumer reporting that they assumed the grave responsibility to do so. Equifax continues to be noncompliant and negligent in this matter opening themselves to civil liability in a court of law. Please deleted the items I have mailed them information on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX has XXXX 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 an account without my written instructions
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (AL)

My grandmother died XX/XX/XXXX. I was the beneficiary on two of her accounts. We did this in XXXX prior to the XXXX merger to PNC, and verified I was listed as the sole beneficiary on her accounts in XX/XX/XXXX after the merger. It took a while to get her death certificate, but when received I went into the PNC Branch to close her accounts. To my surprise, after several trips between XX/XX/XXXX, XXXX, and several days between then and now I learned that the bank put a hold on one of her accounts until XX/XX/XXXX, and also had my deceased uncle as a beneficiary even though he died and was removed before XXXX... The other account was listed with no beneficiary. I provided paperwork to show me as beneficiary on the original account since the bank didn't provide anything when they converted, but they refused to acknowledge the pre-conversion paperwork, and directed me to Social Security and Treasury to remove the hold. I spoke with both and neither reported anything to the bank, they did it on their own, as well as sending back 3 Social Security payments from before she died. I have been back and forth to the branch and their customer service line with no real help on removing a multi-month hold from my deceased grandmother 's account, or any attempt at finding original beneficiary designation pre-conversion. At one point I made some headway with customer service, but then got disconnected when attempting to transfer to an appropriate person. Called back immediately and was refused to be transferred.
Consumer complaint received 2022-05-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MA)

I refinanced my mortgage with Loan Depot on XX/XX/2021 ; however, Loan Depot did not pay off my existing mortgage with XXXX XXXX the same day and instead waited until XX/XX/2021 to pay off my existing mortgage. As a result, I paid interest charges to both Loan Depot and XXXX XXXX for 3 days ( XX/XX/2021 - XX/XX/2021 ). 

I have contacted Loan Depot multiple times about this issue but have have not received a response. 

In addition to failing to receive a response on this issue, Loan Depot also failed to pay the property taxes on this account from the associated escrow account for this loan. As a result, I had to pay the taxes directly to avoid being charged interest and penalties.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MA)

Someone stole my bag, with my debit card, phone and identification. I don't normally use chime, and didn't know the XXXX XXXX deposited {$9200.00} on XX/XX/XXXX of 2022. 

However I believe I was targeted by a gang of XXXX XXXX  who live and operate out of XXXX XXXX XXXX, which is the XXXX XXXX XXXX in XXXX, MA. 

over the period of a few days they managed to steal all of my money, 114 transactions at XXXX. Ordering foodThe b, and other items. 

I filed a police report with XXXX XXXX, and detective XXXX was unable to recover any video camera footage. 

The bank Chime is trying to claim no error occured and that my funds where authorized. 

I went to the XXXX XXXX store someone made a purchase at and they claimed to have a copy of the receipt the perpetrator signed. Forensic analysis would show the signature is not mine. 

The bank is refusing to refund my money.