davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX  XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I completed a balance transfer with 0 % interest for 6 months, but now my statements no longer show the promotion. I have been charged interest for the months XXXX and XX/XX/2022, but the advertised promotion should have been until XX/XX/2022.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX, my wife and I realized our joint checking account was fraudulently charged {$100.00} from XXXX This was immediately reported as a fraudulent, unauthorized charge to Ally Bank on XX/XX/2022, which we were told was made using my debit card number. We were away, and my physical card was at home, untouched, yet my debit card number was somehow stolen. We were issued 2 new debit cards at our request right away ; however, the fraudulent {$100.00} funds have still not been returned to us. 

We filed a police report on XX/XX/2022 and reached out to Ally Bank since we have not heard anything further. On XX/XX/2022, Ally Bank representative XXXX said the funds would not be returned for at least 10 business days while they investigate and that we may or may not receive a letter in the mail or via email asking for more information. 

During a time when people are struggling with inflation and paying bills, this is unconscionable to put the onus on banking customers when they are a victim of fraud ( which is upsetting enough ). In the past, when I had an unauthorized charge with Ally Bank, it was quickly returned. All other banks and credit card companies I've dealt with also quickly return the fraudulent funds while conducting an investigation. Then if found not to be fraudulent, they pull the funds back out. 

We also see from XXXX XXXX XXXX  complaints, XXXX XXXX posts, and online forums that this is not an isolated issue. Many Ally Bank customers have been negatively impacted by this draconian dispute process, some waiting many months without access to funds that were fraudulently stolen from them. Ally Bank is doing this while publicly advertising that they have " zero liability '' policies for their debit cards when it comes to fraud.
Consumer complaint received 2022-04-23
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. (NY)

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, XXXX and Equifax all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, XXXX and Equifax and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
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 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 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
Consumer complaint received 2022-03-24
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. (CA)

I told Equifax several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and XXXX XXXX XXXX XXXX about what's on your report. XXXX XXXX accounts appears twice. So XXXX  do your job and fix it.
Consumer complaint received 2022-08-09
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. (TX)

My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

XXXX XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX Equifax XXXX XXXX Funding Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
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. (NE)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX {$12000.00} Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX, XXXX XXXX account number $ {$15000.00} XXXX, DEPT OF EDUCATIONXXXX account number # XXXX, total amount {$20000.00} has violated my rights. Account Info Reference Number XXXX Court US BKPT CT XXXX XXXX Original filing date : XX/XX/2021 Latest status date : XX/XX/2021 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 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc (CO)

I filed a dispute with my credit card company due to overpayment from a charge in XXXX. The credit card completed its investigation and determined that I did owe Affirm and reversed the charge. the credit card PAID affirm on XX/XX/XXXX {$87.00}. Affirm claims that I HAVE NOT PAID, and that their system WILL NOT and DOES NOT take chargeback payments and that I MUST log into my account to pay. Logging into my account would result in another dispute, as I have paid the credit card bill with the {$87.00} on it and thus, paid Affirm. I OWE NOTHING! these THIEVES want more money, even though the CREDIT CARD PAID THEM ON XXXX!!! 

I was having trouble attaching, but below is a direct copy and paste from my credit card account for the transaction on XX/XX/XXXX to this merchant : Transaction Description Adjustment - Purchases Transaction Amount {$87.00} Authorization Date XX/XX/XXXX, XXXX XXXX, XXXX Posted Date XX/XX/XXXX, XXXX XXXX, XXXX Original Description XXXX  XXXX Category Financial Transaction Type CHARGE If you would like to dispute this transaction, please call XXXX. 

I have also filed with the XXXX. This company is a THIEF and justs wants more money than they are entitled! They were paid on XX/XX/XXXX by my credit card comapny!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware Equifax Information Services LLC are in noncompliance of Federal Law Gramm-Leach-Bliley Act, as a federally protected consumer my rights have been violated.
Consumer complaint received 2022-08-04
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: LEXISNEXIS (TX)

I sent a online Opt-Out to LexisNexis on XX/XX/2022 @ XXXX and it has been past 30 days according to my consumer right concerning my public records being shown & shared on my reports to the public, also the investigation has not done anything to showing my public record even though it is discharge bankruptcy. This public court record should not be showing on my reports if I opt-out I will upload my proof. 
LEXISNEXIS has not up held my consumer rights and has ignored my Opt-out document and if it continue to be public or shared I will seek legal help and damages. Thank You
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX Fraudulent use of my Barclays XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with Barclay. Assured that Barclay XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX Barclay Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee Barclay XXXX Mastercard reverses fraudulent charges BUT Barclay reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to Barclay XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with Barclay XXXX Mastercard to XXXX and awaits response.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIRVA WORLDWIDE INC. (TX)

Hello, I made a partial ( 50 % ) payment to my mortgage company on XX/XX/2022. Payment is due in full by XX/XX/2022. I received a letter dated XX/XX/2022 that they could not apply the {$1100.00} upon receipt because it was not a full payment. 2nd half of the payment was sent on XX/XX/2022, at which time they applied both the 1st and 2nd payments as " one full payment ''. So they held my payment for half the month until they received 2nd half. I called today and they said they can not apply partial payments and I think this is wrong. They should apply ANY funds received toward my loan upon receipt.
Consumer complaint received 2022-08-04
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. (VA)

In accordance with the Fair Credit Reporting Act 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 2022-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (AZ)

Dispute against Wells Fargo Bank XXXX occurred : XX/XX/XXXX {$580.00} reversed made on my account ( incorrect ) XXXX received a notification that there was a duplicate deposit made and XXXX decided to reverse the funds without investigating. This has been ongoing since XX/XX/XXXX. They made me contact my employer and other banking institution to resolve this matter and even being on a conference call with all parties, XXXX still was not able to assist or just hung up. I have spent hours and days from XX/XX/XXXX til today XX/XX/XXXX XXXX speaking to many reps and everyone has a different answer. That or the reps were fed up with me calling in so many times and disconnected the call. XXXX led me to believe that the claim was being worked on and every couple days the claim would close for the first reason. Some reps would say the claim numbers I provided did not exist and would submit another. I had no say in the doing so, so I just let them create another claim. One rep told me there is no use in me filing anymore claims because it was just going to close for the same reason. Others couldn't find my claims and others did not help. Transferred to thousands of depts with no help and each day was like that. I was told that my employer needed to dispute the case and others said my other bank needed to dispute and some said I needed to dispute it. No answer was consistent with the other. I am tired from calling and spending days and hours on the line waiting for no help. If they reverse my funds it would only be right if they put it back. Going through all this is like pulling teeth and at this point I'd rather go through teeth pulling.
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. (CA)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX po box XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Submitted XXXX  application XX/XX/XXXX. Was told 30 days to process. Called multiple times to check status. Was told its taking longer. Received letter today and over XXXX payments are missing form their accounting. Spent an hour on hold. Promoted to press 1 to get a call back. When the call came two hours later, it was just an automated system telling me I missed their call?! I get back on hold for THREE MORE hours. Finally get a human being and Im told they cant help. Only dept of education can count the payments on XXXX waiver. Which is a lie. This loan servicing company is NOT following the federal waiver. Theyre purposely dragging their feet to postpone having to waive loans. They are impossible to get on the phone and dont return calls or emails.
Consumer complaint received 2021-10-13
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 (CA)

on XX/XX/XXXX, my XXXX account was hacked and the hacker used my profile and credit card on file to place an order to be delivered to their address. I was not aware because the hacker had changed my email address on the account and XXXX did not send me a notice that my email address had changed until a few days later, at which point the order had already been delivered and charged. I disputed the order with XXXX and they sent me an email saying they agree that this was fraudulent but they would not do anything and I need to contact my credit card company. 

I contacted Barclays to dispute the charge right away. They concluded that the charge was valid only because I had a history with the merchant. They refused to share any information about the investigation. They told me that I could mail proof such as the email from XXXX admitting that the order was fraud and that would work as a dispute and I would be reimbursed the funds. They then sent me another letter saying that I am still denied with no explanation. Every time I call, they have no information and they are unable to provide any updates. They refuse to help me or answer any questions and they just tell me I am responsible for the charges.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. 
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute. 
XXXX XXXX i have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

To whom it may concern, I closed on a new home on XX/XX/XXXX with Guaranteed Rate. No issue with my mortgage and escrow during this time. My mortgage was sold to Chase in XXXX, XXXX. New mortgage with Chase started in XXXX and an escrow analysis was done immediately. I received a letter stating that there was shortage on my escrow to cover Property Taxes, which I paid the prior year, Mortgage Insurance which I paid the prior year and home owners insurance which I paid in full and was never part of my escrow until Chase came along. The letter I received gave me 3 options to resolve shortage. Please see options below Option 1 : 12 month spread No action required ; your new monthly payment will be {$2800.00} beginning XX/XX/XXXX. 
Option 2 : One-time payment Pay your {$4800.00} shortage in full ; your new monthly payment will be {$2400.00}. 
Option 3 : Partial payment Pay part of your shortage to lower your monthly payment. The rest of the shortage will be divided evenly and added to the monthly mortgage payment. 

Options are not including/deducting what I already pay towards my escrow for Mortgage Insurance and Property Taxes on a monthly basis. Chase increased my escrow amount from {$410.00} to {$780.00} a {$360.00} increase which is to cover shortage of property taxes plus an additional unexplainable fee of {$400.00} totaling monthly escrow of {$1100.00} x XXXX = {$14000.00} a year. My PMI is {$110.00} a month x XXXX = {$1300.00}. Property taxes are {$7200.00} for the year plus PMl {$1300.00} for the year = {$8600.00}. {$14000.00} minus {$8600.00} for Property Taxes and PMI = {$5500.00}. Where is the additional {$5500.00} going????? Chase is stealing from me, the home owner an extra {$5500.00} and continue to fail to explain why they are charging me a shortage fee of {$400.00} if the escrow increased from {$410.00} to {$780.00} ( {$360.00} ) to cover the shortage of escrow Property Taxes. They also are saying I need to pay an additional {$730.00} dollars a year for home owners insurance when I already have and pay home owners insurance at a cheaper rate for the same coverage. Ive attached the XXXX options they gave me that are jeopardize my ability to pay for this mortgage. I should be able to either pay the shortage without paying and additional escrow increase. It needs to be either one or the other not both. This is stealing. Also, home owners insurance has been paid in full and has nothing to do with my escrow. Chase needs to be held accountable for there actions. Theyve threatened to default me on my mortgage without fixing the overpayment charges. 

I was also told by Chase I cant pay my own Property Taxes directly to the XXXX of XXXX. I want to pay my taxes directly, to avoid these headaches Chase has caused my family and I. 

Please help. 

XXXX. A