davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2023-01-08
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. (GA)

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Consumer complaint received 2022-01-13
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. (PA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Repeated attempts to unfreeze my account with Equifax were met with answers that my identity could not be verified based on the questions asked. When I initially froze this account I was advised unfreezing would be an easy process by using the pin I was provided. There is now no way to use the pin and your identity verification process does not work. Furthermore, I can not access your site which tells me to call a given number. That number is of no use because it will not verify my identity by using the questions provided. Wish I'd had this much trouble freezing it in the first place and I would have given up. Unfortunately, having it not frozen is no issue, being unable to unfreeze it is a huge issue.
Consumer complaint received 2021-11-13
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. (WA)

I pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration (OH)

I have been receiving threatening phone calls and voice mails looking for a person with a similar last name to mine, but for debt owed and legal action.. and court dates. I tried calling back several times Im the past to tell them to stop calling me they have the wrong number and person. They attempt to question me in a very aggressive manner demanding if I know this person. Today I called back I was annoyed and I was asking to please be taken off the lady ( XXXX ) said this isnt a list, I told her well u have the wrong person please stop calling me she stated I dont like your attitude your phone number is public record and hung up on me. I called again and asked to speak to a supervisor and spoke to a XXXX I asked again to speak to a supervisor, he stated he was, I told him oncev again to take my number off and that his agents were severely rude and hung up on me.. He began yelling at me, I told him thats fine I was going to speak to a lawyer today regarding a different matter but that I was going to mention this harassment.. he stated screaming I hope you do!! Its people like you that ... and I couldnt make out the rest and he said Your life is insignificant. I couldnt believe he said that and he had the nerve to hang up on me the number is a collections agency the phone number is XXXX XXXX and XXXX
Consumer complaint received 2022-01-13
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: JPMORGAN CHASE & CO. (MA)

XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted Chase VISA this morning and found out the problem was that Chase had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to Chase this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. Chase accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by Chase and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to XXXX twice but have not been able to review the results of my dispute.
Consumer complaint received 2021-09-24
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 (IL)

I'm trying to file a dispute against a merchant, XXXX for a purchase on XXXX, in the amount of {$98.00} that the merchant itself isn't taking care of and neither is barclay. I've tried to dispute first with XXXX because the order was some how lost and I've cancelled and they wouldn't, then I've tried to refund since it's misplaced and not delivered to me, no one is helping. I've then tried contacting barclay and they won't even help. Due to this XXXX, XXXX  generation of employee 's and incompetent companies, I have to come to you.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to obtain any type of credit or loans to help my family during this crisis. I can't get a job, a car, or a home. Not to mention XXXX XXXX and XXXX due to my inability to help my family. There is numerous inaccuracies on my report in which I've tried to remedy through the dispute process. That includes addresses I never lived at, jobs I never worked at, social security numbers that are not mine as well as accounts that I never opened from companies I've never done business with. False and misleading representation, and deceptive tactics has allowed XXXX, Equifax, and XXXX as well as their affiliates to obtain my personal information and furnish my consumer report with inaccurate data. I never gave consent for any of the before mentioned consumer reporting agencies to have, furnish, or sell any of my personal information for any reason including for profit that is fraud and violates my rights as a consumer.
Consumer complaint received 2022-01-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (MI)

I had a lease vehicle through Ally Financial from XX/XX/XXXX until XX/XX/XXXX. I made timely payments throughout the life of the lease. I turned in the vehicle and took on a new lease. Unknown to me at the time, Ally did an inspection on the vehicle and asked for an additional {$530.00} in excess wear and tear on the vehicle. They mailed this request in a letter dated XX/XX/XXXX to my former address which I had vacated XX/XX/XXXX. All of my communication during this lease had been via email and my communication preferences on my account indicated this as my preference. No email was sent or phone call made in an attempt to resolve this situation. I only became aware of the debt because of accessing my annual credit report on XX/XX/XXXX provided by XXXX. I attempted to contact Ally that day to resolve this issue but was forwarded to a debt collection agency. I followed up with both Ally and the debt collector on XX/XX/XXXX with questions regarding the inspection report itself and why no one attempted to contact me and no one at the collection agency nor Ally is willing or able to give me that information.
Consumer complaint received 2021-07-01
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. (GA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2020-07-25
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. (NY)

ON XX/XX/2020 I HAD 2 ACCOUNTS-XXXX XXXX   BALANCE XXXX AND XXXX XXXX BALANCE XXXX WHICH LOWERED MY FICO SCORE 65 POINTS, HOWEVER ON XX/XX/2020. I HAD PAID BOTH ACCOUNTS BUT MY FICO SCORE ONLY WENT UP 8 POINTS. MY XXXX  FICO SCORE WENT UP 62 POINTS SO WHY IS THIS SO DIFFERENT.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I wrote a check on XX/XX/21 XXXX  XXXX XXXX to XXXX XXXX and placed it in a US Mailbox. The check was mailed from XXXX XXXX, FL and addressed to the XXXX XXXX office in XXXX XXXX, NY. The check was altered and presented to a XXXX XXXX XXXX branch and was negotiated there. I immediately notified Chase, and they told me that it would take 30 days to get my money back. I placed numerous calls to Chase, and was informed that they contacted XXXX  XXXX XXXX on XX/XX/21 and they are still waiting for a response from that bank. Each time that I call Chase, I receive a different version of what may/will happen. Chase has told me now that it would take 60-90 days for them to finish the investigation, and today also informed me that I would probably not receive my money back. I am appalled at the lack of transparency, and concern from the beginning of this situation. I have received not one scintilla of communication from Chase after I immediately filed the attached paperwork with them. I am appalled at the fact that no one has reached out to me regarding this matter. Maybe I could be of further assistance, or maybe that would actually CARE that I am out {$10000.00}. I used a check which was provided by Chase, which did not have any warning that I would be responsible for any fraudulent activity, nor did Chase follow up with the last communication from XXXX  XXXX XXXX on XX/XX/21. I previously banked at XXXX XXXX, and was of victim of fraud there, and that is why I left to go to JP Morgan Chase, and was assured that the levels of security at Chase would be much better. Ironically, XXXX XXXX, refunded my money in 2 weeks time. On top of all of this, the customer service at JP Morgan Chase is abysmal, as I am on hold for an average of 20-30 minutes, and usually have to call back because the call is always disconnected. Since JP Morgan Chase has no interest in the fact that I have been without {$10000.00}, I have contacted XXXX XXXX, ( the initial payee of the check before it was changed ), who coincidentally is owned by XXXX  XXXX XXXX XXXX where the fraudulent check was cashed ), hoping that they could be of some assistance.
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Processing Group LLC (TX)

For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX XXXX for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say National. And I said National what? And they say National Proceedings. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.