davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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. (AL)

On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

To whom it may concern, My mortgage with Mr Cooper was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$13000.00} I'm currently applying for a new mortgage loan and I need a letter from Mr. Cooper confirming that all mortgage payments are up to date and that my loan is no longer in deferment. 

I tried calling Mr cooper several times but I'm not being successful in getting this letter
Consumer complaint received 2020-10-15
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)

Hey, hope life treating you wonderfully. Anyways XXXX, XXXX  and Equifax deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WI)

I have contacted GDAX and COINBASE multiple times over the last 6-8 weeks and I have gotten nothing done.Even after contacting the CFPB. nothing has changed, My assets are still locked in the GDAX account and I am not able to access them or have yet to receive any explanation why my assets have been frozen and are unaccessable. I want to know why I am not getting any response and why my account is still locked. I got 2 emails saying they are working on it but nothing has been done in over a month. Can someone tell me whats going on. this company will not tell me what I did wrong or what the next step is. I'm getting completely ignored by them.I want to be able to trade again and I would like my account opened and accessable to the money I put in.
Consumer complaint received 2018-07-15
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. (FL)

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Consumer complaint received 2020-09-01
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Consumer complaint received 2020-07-05
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: I.C. System, Inc. (TX)

XXXX. XXXX, XXXX. 
XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX I.D . Theft Case Ticket # XXXX debt date opened XX/XX/2014 according to XXXX. XXXX, XXXX. 

Collection {$60.00} ( XXXX, XXXX, XXXX ) Trying to collect debt.
Consumer complaint received 2018-04-04
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. (NJ)

XXXX student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 It shows my social security was used. 
XXXX  informed me about the incident occurring. 
I have had a chase account in months due to this FACT! That I have been a victim of identity theft and fraud & not only have I lost tremendously heavy amounts of money but also energy peace of mind & mental stability!
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

**Wallet Stolen and {$7000.00} stolen from me. Wells Fargo declined the claim even though I'm working with a private investigator that  has the suspects on camera** Name : XXXX XXXX Wells Fargo claim # : XXXX Situation : My wallet was stolen and collectively through credit cards and checking account. Of this, around {$3800.00} was charged to my Wells Fargo debit card. XXXX XXXX immediately refunded the other that was charged to my credit card. I was originally told by Wells Fargo I would be refunded within 7 to 10 business days. I called immediately and had to call their fraud department three times before they were able to successfully stop transfer of money and charges to account. At the end of 7 to 10 business days, they told me I was denied. I have a private investigator working on the case and she has the suspects on camera using my car. Wells Fargo is unresponsive in working with it.  Please help, I am going to school and late on tuition to pay.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX. 

On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help me.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NY)

on XXXX : XX/XX/XXXX IQ on the data responded to a dispute. in their letter they stated " We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$2700.00} owed to our client, Icon on the XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the address that you submitted with this complaint which was not mail-returned and deemed received. " which is a violation under 15usc 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization., The original creditor is not IQ data Also they stated because i didn't respond to their letter they alleged sent out they proceeding to harrass and abuse through unfair debt collection practices by contacting me monlthy on my consumer report since XX/XX/XXXX under 15usc 1692 g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

IQ data also stated " Our office was unable to find any calls or written contact from you on your account since XXXX of XXXX '' failure to to produce a valid contract under 609 ( A ) ( 1 ) ( A ) Copies of copies are not valid the contract must be an original consumer contract with wet in signature
Consumer complaint received 2017-08-06
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GREAT LAKES (FL)

Complaint against XXXX XXXX XXXX XXXX acting on behalf of Great Lakes Higher Education Guaranty Corporation : Account # XXXX.
I have contacted XXXX XXXX XXXX several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails.
Now I have been sent another letter stating they have reported this debt against my credit.
XXXX XXXX XXXX does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls.
The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return.
These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I was offered a credit line for XXXX by Paypal through Synchrony Bank. I've had a good relationship with Paypal for a decade so I accepted and closed out my old credit line with another bank. The card is supposed to be linked to my Paypal account, which pays for my other Paypal Credit account automatically every month from my checking. A month later I get a notification from credit monitoring service saying my scores dropped. When I called synchrony they said I was late so I immediately paid the entire balance and tried to figure out what went wrong because Paypal should be paying them from my bank account just like my other paypal credit account. I set that up already. When I explained it they apologized and told me they were going to restore my credit line and to check back in a week. I checked back every week for three weeks and nothing happened. Now I have no credit and my scores are in the dumps, and I can't even get back the old credit line I shut down because I relied to my detriment on Paypal 's extension of Scynchrony credit. Then I told paypal I dont want to do business with them anymore and asked them to close my account and they wont.
Consumer complaint received 2018-04-04
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. (WA)

Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX  XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX XX/XX/XXXX - never heard of the company - did not authorize
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Yes I had An account with stride bank aka chime for roughly about a year give or take. I noticed an unauthorized transaction one day and I reported it promptly and followed the steps. Even though it was unauthorized they denied my claim and followed by insufficient evidence that didn't prove it was or wasent unauthorized. Then I noticed another small one here and there and tried in vain to notify chime and tell them my info he had to be compromised because there was more and more money that would just vanish out of my account. I received a deposit in XXXX for roughly XXXX from social security. Within XXXX days my balance was at XXXX and there just wasent any warning no call from bank, they shut my account down. I realized in horror there is XXXX plus gone from my account. The same transaction s had been coming out for months. Almost duplicate. I was in another town and money was taken XXXX miles away. I later discovered there is a second card you can use. A credit builder and there is a virtual card in the app. All the dispute s, all my money stolen and not one representative mentioned this too me cause obviously I could not figure out how it was bring done. Then all these transfers using pay friend app which I told them yes I authorize maybe XXXX the whole time which if you look at my statement clearly the culprit is in black and white and was still denied my dispute because my so called friend lived within XXXX miles even though XXXX ip addresses accessed my app there was no proof of unauthorized or fraudulent activity. I feel my bank failed me by not protecting my account and listening to me as a consumer. I have asked them to basically audit my checking and get to the bottom of this and dispute which transaction I know for sure I didn't do which as you will see it's very confusing.. O have even turned them in to the attorney general cause I feel they are doing nothing .I haven't heard anything on my disputed and I strongly believe chime the company itself has something to do with my missing funds just do to the fact that they denied almost every dispute but yet there was proof I didn't do it. If I'm FDIC insured who got that money. I believe chime is keeping it and denying consumer dispute. If not why haven't they done anything about my family 's funds?????
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Barclay 's, the bank behind my XXXX Mastercard, promises three months of payment waivers due to Covid 19. 
I was enrolled in this in XXXX. However, due to them not responding to my queries regarding, my XX/XX/XXXX payment of {$29.00} went through. I also paid the same amount in XXXX while I still had funds. 
I did not pay my {$29.00} minimum required in XXXX and XXXX. At this time, funds were running out for me. 
As I only got to skip two payments, I contacted them this week for confirmation that despite the norm ( skipping XXXX, XXXX and XXXX payments ) in my case I would be able to skip XXXX, XXXX and XXXX. 
What was very strongly implied when I spoke to a representative from Barclays last night was that, because I was enrolled in XXXX and then paid in XXXX, I would only be able to skip two payments. 
What IS written is that the payments must be consecutive as mine would be. Nowhere does it say that it must be certain months only. 
All I am asking is that I get to waive the promised three payments ( in my case XXXX, XXXX and XXXX ). So I want to skip my third payment in XXXX as offered to me according to their provisions for Covid 19 relief. 
I hope you will see what I do ( and they do not ) that this is unfair and not keeping with supposed help they extend to their impacted customers during this difficult time.
Consumer complaint received 2021-11-01
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)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NY)

On XX/XX/XXXX, my parents told me a letter for Chime was sent to their apartment in Oregon. It is a debit card activation kit with checking account number and routing number. I have never applied for a Chime account and I live in New York now. 
I am not sure if it is an identify theft who used my info to open this account or the company opened an account under my name without permissionits unusual that identity theft to open a checking account and send to my old address. 
I contacted Chime at the same day ( XX/XX/XXXX ) and asked them to close this account via email. They requested me to send my last 4 digits of SSN and image of a government ID. After they received these info from me, they said the account was blocked. But in order to formally close this unauthorized account, they needed me to send the front and back of my ID and a picture that I am holding my ID. I did send that right back but they never get back to me since then. 
I tried to contact them via phone, via email and social media a couple times on the XX/XX/XXXX and XX/XX/XXXX, but no one get back to me about this issue or reply to my request.