davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (OR)

I applied to skip my payment due XX/XX/2022. After I didnt hear back I sent the request again. After not hearing back for over a week I contacted the company by chat. The representative told me there was a problem on their end and they lost the documents. He manually processed them for me. I received a loan modification agreement that said XXXX was due for XX/XX/XXXX XXXX XXXX and that payments would resume XX/XX/2022. I signed it and shortly after received a signed copy from the company. I kept getting late payment notices. So I emailed the company, they responded saying my request was denied. I emailed back stating I already received a signed modification agreement. The email would not go through. I then contacted them by chat. After over an hour and talking to 2 people I was told they made an error and would not honor the signed agreement. I have a copy of the signed loan modification and all I want is them to honor it. Im also concerned that I have been by 2 people at their company that they have lost financial records and have made errors with them. I have attached the modification agreement. I also have a lot of screenshots from my last chat conversation with them if they are needed.
Consumer complaint received 2022-07-02
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)

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. Equifax, XXXX and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Consumer complaint received 2022-12-03
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. (CA)

I was a victim of identity theft on XXXX  XXXX XXXX reported on XX/XX/2016 amount {$7200.00} and XX/XX/2016 amount {$6100.00}. But I did not use it at all. I will attach police report documents to support my complaint .Please help.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (OK)

I ordered a Brooks Brothers store Mastercard, issued by CitiBank replacement credit card after a fraud event and the card was lost. 

I ordered one replacement card that never arrived. After two weeks of waiting I ordered another after a call to their card services department. Three weeks later my card never arrived. Attempt # 3, I waited two more weeks for a card and it never arrived. I then finally received the card from Attempt # 2 and can not activate it. I am trying to do a balance transfer on this account and I can not be provided with my account number to do the transaction since they will not tell me over the phone despite being verified using multiple factor authentication. 

This is abusive practices under the UDAAP criteria the CFPB has published.

1. I can not avoid the injury since I am refused my account number even though I pass security measures.

2. I can not remove the balance on the card via transfer and have to pay interest while this balance is mailed.

3. I am denied use of my account since I have no access device.

4. I have reasonably attempted on numerous occasions to resolve this and my card never arrives timely. This includes using another house I own with a different address to ensure it is not an issue with the postal network.
Consumer complaint received 2022-09-22
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: CORELOGIC INC (GA)

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XXXX XXXX, 2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

As of the morning of XX/XX/2022, my Citi checking accounts have been blocked by Citys fraud department. 

Whenever I call Citis customer service and their fraud department, the people attending in the call center are not able to let me know the reason why my account is not working, and are not able to remove the block either. 

I have funds on my account and I want either my account to be unlocked or my funds to be released. 

URGENT - THANK YOU.
Consumer complaint received 2022-09-22
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)

Equifax previously permanently delete the attached accounts in XX/XX/2022. Now Equifax has added those accounts back to my consumer report. This is willful and damaging and is affecting my mode of living. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and Equifax doesnt care if I survive or not. Every-time I call Equifax they are providing bad service.

I have attached supporting documents of the accounts being removed and add it back to my consumer report.
Consumer complaint received 2022-12-03
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. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I
Consumer complaint received 2022-07-02
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. (AR)

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. XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c ( a ) ( 5 ) Section 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 antidotes the report by more than seven years 15U.S.C 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 in accurate.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MD)

Good day. On or around XXXX thru XXXX saw a lot of pre approvals on Credit Karma. At first I didn't pay it no attention, but credit karma kept sending me all types of different credit card pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car. Everyday day I would see these offers, everytime I log in to check my credit score. After a few months of being told I was pre approved I thought I was in the right place to apply. However, I got so many offers through Credit Karma that I started sharing this information with family and friends about vacations and investments, that we were going to use with these pre approvals for. I applied on or around XXXX and got denied for a few credit cards and a personal loans, I was distraught and very angry, and I felt deceived, I was marketed for months, so Credit Karma told me that I was pre approved. This was a lie. I was severely stressed out, I was nauseous for weeks I had migraines so horribly that I became antisocial, my anxiety went from a XXXX to XXXX now, so when I see pre approvals, I immediately closed down my phone and shut my computer off, this has made me so uneasy, stressful it's very overwhelmed, that I haven't checked my credit as frequently as I used to or should. I need some resolutions for this unnecessary stress. On XX/XX/XXXX FTC order credit Karma to pay {$3.00} XXXX dollars to consumers. I've have been a victim of this false claim by credit Karma that told me that I was pre approved and got denied. The misrepresentation of Credit Karma have caused severe mental anguish and anxiety for me and my family. I have applied for a personal loan of {$20000.00} and two {$10000.00} credit cards, 15 USC 1681N saids that consumer reporting agencies must report Accurate information Credit karma violated that with deceitful practices and misrepresentation. 15 USC 1681 N speaks on actual damages. I'm owed actually damages of a result of Credit Karma failure to provide accurate information furniture on my credit report. I am owed actual damages in the amount of {$40000.00}. What company is this complain about. Credit Karma.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (KS)

on XX/XX/2022 I wired transfer {$9000.00} from my US Bank account to XXXX Bank  XXXX XXXX through my local US Bank branch in XXXX, Kansas. I have attached receipt of that transfer. The money supposed to be in the recipient bank on or before XX/XX/2022. It did not happened. I went to bank after 2 weeks to find out why transfer has been not completed. The branch told that it is not in their control anymore. I contacted their wire department by calling. Wire department told me to go to local branch and initiate trace case. I went to local branch and asked them to initiate trace case. They did open trace case. Next day I received call from branch and they told me that money was at XXXX  XXXX XXXX and they have released today and recipient bank will receive within 2 to 3 days. I waited again for week. Nothing happened. I called local branch to find out again. I called so many times by now. No answer. Transfer not completed as of today XX/XX/2022. I do not know where the money is and what is the problem. I asked them to cancel transaction and deposit back to my account. No answer. Please help out to get my money.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (VA)

When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with Affirm, the seller ( XXXX ) of the product didn't credit my Affirm account, once they received the product back in their stock. I then opened a " Dispute '' with Affirm, so that they would investigate and provide a resolution. Affirm 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with Affirm. With the account in good standing I then ceased to make any further payments, until I received their resolution. Affirm 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, XXXX, XXXX and XXXX. XXXX 's data has the Affirm installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask Affirm to please contact XXXX and remove this incorrect data from my credit report. I tried to file a dispute with XXXX and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. Affirm is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to XXXX in the first place!
Consumer complaint received 2022-09-22
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: SYNCHRONY FINANCIAL (SC)

Venmo offered a credit card through Syncrony Bank with double rewards on purchases. The doubling resulted in a 6 % cash back reward offer for the first few months. I took full advantage of this offer and prior to the expiration of the special offer, I charged over {$22000.00} on the card by paying utility bills on my business in advance. My credit limit was only {$7500.00}, so I would charge several thousand dollars, then pay it off in 2 or 3 days and do it again. It resulted in cash back rewards for XXXX being {$1100.00}. 

Syncrony did not like this so they cancelled my card. Their reason was " indicative of high risk of failure to pay ''. That does not make sense when I was paying every 2 to 3 days. I also have another Syncrony credit card that I have had since 2007, 15 years. They did not cancel that card, same name, same address on the account. My credit score is also over 800. Since they cancelled the card, they refused to pay out the rewards earned. 

This is fraud! Syncrony offered an incentive to me in which they made money off of my transactions. Then they cancelled the card and refused to pay the cash rewards that I earned. Syncrony 's reply has been that they can cancel the card for any reason and then the rewards are not payable and that is written in their card agreement. Can you really have someone waive their rights so that you can commit financial fraud??? 

I told Syncrony that it doesn't matter to me that they cancelled my account. I just want them to pay the rewards that I earned. I also suggested to Syncrony that maybe they should look at my other Syncrony account that I have that has been paid on time for 15 years, it may be " indicative of high risk of failure to pay '' as well.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello, On XX/XX/XXXX this year, someone hacked into my account at Citibank and issued wire transfer instructions. Citibank DID NOT verify such wire transfer instructions ( despite its promise to do so, as stated in its Citibank Client Manual ), thus causing devastating losses of {$65000.00}. I am a XXXX XXXX and this is almost all of my lifetime savings. I complained to Citibank some time ago but have not rec 'd my money back yet today. 

No one from Citibank had contacted me before the wires went out.This is particularly troublesome since : ( a ) I have NEVER ordered any wire transfer in my accounts ; ( b ) The payments were going to third parties, which made them particularly risky ; ( C ) The wire transfer amounts were substantial relative to the balances in my accounts, as they represent more than 90 % of my average account balances.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On XXXX XXXX two transactions were made on my chime account at XXXX XXXX XXXX store one for {$120.00} it was a withdrawal and the other was {$17.00} I disputed them once again they were denied and they denied my claim after not even two hours they couldn't have done anything about my claim this isn't the first time they have done this over XXXX XXXX dollars is just gone
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.
Consumer complaint received 2022-09-22
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. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-07-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX DBA 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