davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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)

So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Consumer complaint received 2017-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: STERLING BANCORP (NY)

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX
Consumer complaint received 2020-07-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OH)

fay servicing got my mortgage from XXXX XXXX  it was a 30year mortgage at 7.25 % payment a month is XXXX never missed a payment fay got this mortgage in XXXX of XXXX they tried to say it was in escrow I told them that it was never in escrow I pay my own taxes and insurance. so then they sent message to the tax Dept. and said they wanted them to send my tax bill to them so they could pay the taxes and put my home in escrow this is not right they paid XXXXto the tax Dept. and I sent the XXXX to fay and told them that there was the money they paid on my tax i also told the tax Dept. not to sent them my tax bill anymore .I have all the checks and all my payments. now I got a letter saying that I am in default of making a payment of XXXX they said I never payed XXXX XXXX I have everyone one of my checks that they cashed and even the XXXXtax check they cashed. its just a scam to try and get my home .i even had an attorney speak to them and they even got him upset.im so tired of this crampy attorney even told them that they better get this fixed or they would get sued. please help me with this problem I have XXXX XXXX XXXX and cant keep getting upset over this I have tried about 30times calling them to fix this every time its something different its just XXXX. they act like XXXX XXXX.HELP PLEASE
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc (IL)

On XX/XX/2021 I disputed XXXX items on my XXXX consumer credit report that was allegedly furnished by the company Affirm. My dispute was delivered to Affirm on XX/XX/2021 and they have failed to respond to my dispute within the XXXX day window.
Consumer complaint received 2020-11-28
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. (PA)

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2021-05-20
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2022-02-28
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 XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX  XXXX XXXX Account number : XXXX has v

iolated 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 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XX/XX/XXXX at XXXX am, Chase bank froze and closed my account without notice. No explanation was given and the customer service representative refused to comment on the reason. They locked the funds within the account and will not give me access to my money. They will only send a check via mail in 10-15 business days. I believe this happened because I bought XXXX on the XXXX.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (SC)

I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. Equifax Never responded and the other two credit bureaus never deleted the accounts
Consumer complaint received 2021-10-05
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. (MD)

I submitted a dispute to XXXX, Equifax and XXXX regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Consumer complaint received 2019-10-24
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: Exeter Finance, LLC. (GA)

I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I previously filed a complaint. The deletion of the XXXX did not include XXXX Credit Bureau in the letter of response. Repeating info : I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, GA. My problem is with XXXX and XXXX XXXX They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.
Consumer complaint received 2021-10-05
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish it has caused me in my life. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2021-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

Dear CFPB, My mortgage is with wellsfargo, I applied Covid 19 forbearance between XXXX, XXXX - XXXX, XXXX for XXXX month. 
The balance was {$XXXX} as of end of XXXX, XXXX I started making payment XXXX, XXXX after XXXX month I made XXXX payments {$XXXX} XX/XX/XXXX for XXXX payment {$XXXX} XX/XX/XXXX for XXXX payment The balance is {$XXXX} as of XX/XX/XXXX No statement to explain the increase of the principal balance I asked bank to explain the increase of the principal balance, I haven't gotten the answer from the bank. 
Please help me. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-05
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: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-05
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. (DC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks
Consumer complaint received 2021-05-21
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. (FL)

I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I had an account with XXXX XXXX to access my credit ratings. SInce last 4 months, i have not been able to get my credit report due to issue with access to " equifax ''. They directed me to Equifax, who repeatedly state all is fine. But i am still unable to get the report. This is concerning for me as i am likely to purchase a house and will need credit ratings. I cancelled my XXXX subscription and got directed to wrong numbers from Equifax to escalate the issue after several attempts. Now i am finally seeking support from CFPB
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting???
Consumer complaint received 2019-10-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

a bank teller call me a XXXX threw my ID at me and made fraudulent claims on my account there was a check deposited by me on Tuesday that had a 2-day hold she added a 7-Day hold to that check and now I have no access to my money she misrepresented herself as a bank branch manager and she is not he is on vacation I need my and she threatened to close my account she reported fraudulently to the suspected fraud which is how she got my account put on hold once my account is reviewed it will show that I don't have one returned check I was treated worse than the dogs this afternoon and I want Justice immediately and I need help with my account immediately
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Good day! My name is XXXX XXXX XXXX XXXX from XXXX and I always use my paypal account whenever my fiance sends me money from XXXX and I also use it whenever I also send money to my friends and because I have also linked my paypal to my XXXX account so that I can withdraw money in pesos but my paypal account is now in limitation and i can't get my balance money in my paypal account and Paypal sent a message to my email saying I can't use my paypal account and I have to wait another 180 days to get my money because my paypal account is in limitation so I can't send money or receive money from in my paypal account. What should I do? can you help me get my balance money on paypal without having to wait 180 days? 
Email : XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX Number : XXXX
Consumer complaint received 2021-10-05
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-10-05
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. (GA)

After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in prison.
Consumer complaint received 2020-07-11
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. (NJ)

XXXX. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MN)

Contacted through both XXXX  and XXXX  and XXXX as varified with no explanation. I dont live in Florida nor have i received anything verifying this is my debt. Asking for this collectins tilo be removed from my credit report