davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX my wife received a call from Barclays - XXXX XXXX XXXX Credit Card - security department alerting us of some possible fraudulent activity. Three charges for {$410.00} each were made within minutes of each other to XXXX in XXXX, NC. The charges were being made as we were on the phone with the security folks. I told them that we were not making the charges. We were on the phone for XXXX hours and finally they reversed the charges. They cancelled that credit card and sent us a new card. In XX/XX/XXXX, out of the blue, Barclays added those charges back to our account. I called the security department phone number and was told that they had decided that the charges were not fraudulent and that we owed the money. They said that we were physically in XXXX ( XXXX hours away from our home ) and made the charges. Then they asked me to provide proof that we werent in XXXX in XXXX. I submitted an affidavit to the fax number Barclays provided. Several days later, I tried to call to check on the affidavit and spoke to someone who basically said that we needed to prove that we didnt make the payments. I told them that I had sent an affidavit to the fax number the security department gave me and the person stated that her manager would call me. No one called me back. A week later I called again. I was given the same statement - that I needed to prove I was not there. My wife decided to go online and dispute the charges ( again ). Barclays removed the charges again. We received a letter stating that they would investigate the charges. Over the next several weeks, I tried to call several times and received the same statement each time. Finally, we received a letter stating that they had determined that the charges were fraudulent and we are not responsible for the charges. Barclays removed one of the charges, but added the other two back to our account. Tonight ( XX/XX/XXXX ), I AGAIN called security about the charges and was were told again ( for the billionth time ) that we have to prove that we didnt make the charges. I have asked to speak to someone about the investigation and to see the results of their investigation at least 5 times and have not received a response. Weve asked to speak to management every time weve called and were told they would call us within the next business day and have never received a call back. We did not make the charges they are saying we did. In fact, the only charges we have ever made on this card have been to XXXX XXXX XXXX. I want to just state that Barclays is the worst credit card company we have ever dealt with. In fact, their total lack of response to obviously fraudulent activity is maddening. Not only are they horrible, it makes me never want to go on a XXXX XXXX if they are working with this very crooked company!
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 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 permission
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My boyfriend and I went on a XXXX XXXX cruise from XX/XX/XXXX to XX/XX/XXXX. I had lost my XXXX XXXXard ( As described on the XXXX XXXX website ; " An Onboard Expense Account, also known as your XXXX  onboard account, is the cashless system used for all onboard purchases and services. Depending on your ship, XXXX cards are handed out at the pier or will be in your stateroom waiting for you. The account can be set-up with either a credit card, debit card or as a cash account during check-in or at the pier. You can also add guests from your stateroom or another stateroom as authorized purchasers on your account. For each purchase made onboard the ship you will receive a receipt. A preliminary statement will be delivered to your stateroom on the day prior to the final morning of your cruise vacation for your review. A final statement will be e-mailed to you shortly after departing the ship on the last day of your cruise. If you set up your account with a card, shortly after departing the ship on the last day of your cruise, XXXX XXXX XXXX will automatically post the final charge to your card on file. Guests on a cash account will need to settle their statement onboard prior to disembarking. '' ) In other words, whenever I used my XXXX card, my debit card would be charged. The worst part about this is there is no pin or other security in place. Anyone can swipe the XXXX card and Id get charged. This is exactly what happened with me. I lost my XXXX card on the ship and while my boyfriend and I attended a shore excursion, someone found my XXXX card and charged {$1200.00} to it. Chase even sent me a text message asking if it was fraud. I responded with yes it was, so they closed my account and sent me a new card and I wasn't charged. XXXX solved right? Nope. On the last day of my cruise when I was leaving to go home, they said my bill had to be settled. They wouldn't let me off the ship. So I had to willingly ask them to charge the {$1200.00} again b/c they threatened to contact the authorities if i didn't pay. It was the last day so guest services refused to investigate. This was fraud. Plain and simple. When I opened a case, Chase coded it with an incorrect reason : " the card was charged more than once ''. NOT fraud.. so the dispute was revolved around that fact and they saw my card wasn't charged more than once ( i knew that, that wasn't the issue ) and they closed the dispute. The agent who initiated the claim did not do their job correctly and now I am being penalized. please help me.
Consumer complaint received 2022-03-29
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. (TX)

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and Equifax never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A. (MS)

Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

My bill due date with America express was XX/XX/XXXX I paid it on XX/XX/XXXX the total amount due of {$110.00} on the new month of XXXX I paid {$400.00} on XX/XX/XXXX. American express did not count this towards my XXXX bill and now has charged me a {$38.00} stating my XXXX payment didnt count for XXXX. Requested reversal of late fe and was declined the agent wouldent identified them self all in screen shot of chat.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC. (OH)

The account balance was low as a very, very costly subscription that was intended to be canceled renewed a day early and immediately overdrafted my account. With no alert, I proceeded to make several purchases. I at no point agreed to the overdraft protection or was made aware of it. So when my small purchases of gas, a few things at the grocery store, XXXX and with all the money budgeted ( Im old school and rarely looked at the online portal. By the time my paycheck arrived - at which point my account would be well in the positive range as everything I did was budgeted- the account had accrued such a massive negative balance ( something like {$70.00} overdraft fee ) then {$35.00} reporting fee, plus {$20.00} for every day the account balance was negative. Even with my paycheck the account was at- {$500.00} and accruing more debt daily that I could not pay. I scrambled to freeze my debit card and cancel all subscriptions but a subscription linked to the debit card which was at this point frozen still charged multiple days after I froze it, causing another {$100.00} overdraft.
Consumer complaint received 2022-09-13
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have done many attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance {$0.00}
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

I sent a letter XXXX asking for : Validation of the debtthat is, the actual accounting. 

Verification of a signed invoice. 

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered Equifax, XXXX, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) Account # XXXX XXXX XXXXl Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

HOME DEPOT Online On XXXX XXXX I was looking at an XXXX $ item on homedepot website. Below the add to cart button there was a message stating my price would be XXXX $ for a new account promo if I applied for, and used the HOMEDEPOT credit card. I did so, was immediately approved, however after adding the item ( XXXX XXXX XXXX  XXXX ) to my cart along with the promo code, it only applied a {$25.00} credit. 

I contacted HomeDepot and was told that the {$100.00} credit were only for orders over {$1000.00}. I requested to be made whole by having the card canceled and the inquiry removed from my credit report. I was told they could cancel the card but not remove the inquiry from my credit report. As they refused to remove the inquiry, i requested they leave it all as is until I could contact a consumer advocate. 

I feel this is an unfair and deceptive practice that has resulted in an impact on my credit report for an account I applied for under false advertisement. I would like to be made whole. 

Most Sincerely,
Consumer complaint received 2022-03-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

I purchased a home using my VA Loan in XX/XX/XXXX. In XX/XX/XXXX I received a letter from the XXXX of XXXX informing me new construction home had incomplete permits & construction. Apparently the XXXX XXXX XXXX got into a disagreement & the three homes on this lot were allowed to be purchased & occupied without disclosing to the buyers these homes were completed per plan & code. 
The city sent a letter to myself and another veteran family that we were now responsible for getting the project completed and up to code. I'm requesting your assistance in resolving this matter with the XXXX & XXXX XXXX so I may live in peace.
Consumer complaint received 2022-04-28
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. (FL)

i filed a complaint with XXXX, Equifax, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my Equifax Credit Report, XXXX Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my Equifax Credit Report but not from my XXXX or XXXX Credit Reports. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-29
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)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (PA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.