davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

I have a credit card from US BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and US BANK with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (OH)

There is a hard inquiry that I did not permit. 

CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-19
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. (IL)

n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2021-08-26
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. (MI)

Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Debt does not belong to me and is showing on my credit pass 7 years. Equifax & XXXX is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.
Consumer complaint received 2021-07-18
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. (MD)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-04-19
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX has been requesting a FULL refund/reimbursement of the Chase Reward Points and Cash ( {$1300.00} or XXXX points ) used to purchase XXXX ticket reservations : Trip ID : XXXX XXXX Confirmation # XXXXXXXX XXXX XXXXXXXX FOR PASSENGERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 


Under XXXX Flexible XXXX Policy, if a passenger is unable to fly due to contracting XXXX, they must submit proof of being XXXX with XXXX, then XXXX will refund the value of the tickets. On XX/XX/XXXX, we summited formal proof of XXXX results. Still no refund has been made and no acknowledgement of the request has surfaced. We are requesting assistance form the Consumer Financial Bureau to help correct this situation as no other methods have proven effective.
Consumer complaint received 2022-04-19
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-07-17
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. (CA)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
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: AFNI INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I received an email from PayPal with the subject line " You can no longer use PayPal. ( Ref ID - XXXX ) ''. Basically, the email stated that PayPal had identified certain risk factors with my account such that it could no longer do business with me. At that point ( and as of today, XX/XX/2021 XXXX, I had a balance in my account of {$1500.00}, funds received from clients for whom I do hourly work and that I used to make regular routine purchases for my cat supplies, XXXX XXXX XXXX account and various other sundry purchases. 

PayPal further announced that it had no obligation to explain the specific reasons for its steps and that it would hold my funds for 180 days and then notify me by email on how to transfer my funds. I immediately tried to transfer the funds on my account XXXX {$1500.00} XXXX to my linked XXXX XXXX checking account only to be asked to contact PayPal 's customer support. Attempts to contact their customer support department proved fruitless and I received no direct response from them in response to my demand for the immediate transfer of the funds on my account. 

My subsequent complaint to the XXXX XXXX XXXX about this practice was replied to by PayPal on or about XX/XX/2021 wherein PayPal basically restated what it had already told me and made no further efforts to resolve the dispute. 

I replied to the XXXX XXXX XXXX that, as far as I was concerned, the case was not resolved and that I would be contacting you for assistance.
Consumer complaint received 2021-07-17
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. (AZ)

There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona
Consumer complaint received 2019-11-06
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: AMERICAN EXPRESS COMPANY (CA)

In XXXX we purchased a subwoofer from XXXX XXXX. It didn't work well, so we opted to return it. Initially they refused to pick it up, but after explaining it wouldn't fit in our car, and that they delivered it to begin with, they agreed. Pickup was completed on XX/XX/22. 

I have a copy of the pickup receipt that I will attach to this. 

I have sent the documentation over to American Express on three separate occasions, and all three they claim they did not get any supporting documentation. Current dispute number is XXXX
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (PA)

I have a checking account with Chase Bank. While visiting with the bank to service my checking account involving another matter, I was informed by the banker who was attending to me that I had been pre-approved for a Chase credit card with a credit limit of {$2000.00}. As I have never possessed a credit card, and do not currently have much of a credit history, I found the offer fortuitous, providing me with an opportunity to build a credit history and improve my credit score. As everyone knows, in today 's economy, a solid credit score is very important to acquire such things as housing, employment, etc. That being said, I applied for, and was approved for the credit card in question. Subsequently, I received the card in the mail and used the card as intended for various purchases. Having reached my credit limit, I therefore repaid the account in full. Following this payment, I received notification from Chase Bank that the account had been closed. I immediately contacted the bank for an for an explanation. I was informed by banker that the funds I used to settle the account were returned due to insufficient funds. I have contacted the issuing bank in question and they have assured me that the account contained sufficient funds. It would appear that Chase Bank returned the funds for unknown reasons and falsely claimed that the issuing account lacked the necessary funds for payment. I was further told that I would be receiving a letter in the mail from the bank providing further explanation. I have received this letter from the bank, dated XX/XX/XXXX, XXXX.The letter states that the account was closed for XXXX reasons : 1 ) not enough credit information on file 2 ) the accounts on your credit report have not been open long enough. These conditions existed prior to the issuance of the card. It is my contention that Chase Bank was aware, or should have been aware of these conditions prior to the pre-approval and the subsequent issuing of the credit line. It is my further contention that Chase Bank 's behavior in this matter has been arbitrary, capricious and duplicious. I am requesting that the CFPB investigate this matter on my behalf and that Chase Bank properly restore my credit card.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

On XX/XX/XXXX I was supposed to have my student loans I had already excepted him and they were ready to come in and XXXX XXXX went into my account like he always does he always ask my passwords trying to steal morning and went and told the loans that I didnt need them anymore which luckily I called them but he has no business going through my passwords or even being on my Wi-Fi. Being that we dont live together and shouldnt be anywhere in the same town but he does not know how to respect boundaries because he has a common thief
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (GA)

Loan was created online. Studying TILA and consumer law. I never received my rights to rescind. I sent the paper work to them to rescind. they received it on XX/XX/2022 and haven't respond back. Their 20 days are up. I need you to reach out because I feel as thought they may be ignoring me. They need to do what the law say to do. This was sent to the registered Agent of the company
Consumer complaint received 2021-10-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (CO)

In 2005 a student loan account with NAVIENT was opened in my name in XXXX Texas and has gotten to the balance of a few thousand dollars and has beaten my credit up badly. 
In 2005 I was XXXX, living with my mother and we had been evicted from where we lived in XXXX and moved to XXXX 
In 2005 I attended XXXX high school while living in XXXX XXXX. 
I have contacted navient, attempted to contact the school but is closed and has been for years, and Ive even hired a credit repair agency to help figure this out and have not had any luck.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

I have banked with Wells Fargo for several years. Today XX/XX/2021 at XXXX est I called. I am tired of them taking money from me when they are not authorised. I spoke with a banker who said she was unable to reverse my overdraft fees and that the Wellsfargo employees were able to view a different statement other than the one I am able to. I expressed my concerns. I felt it was manipulative that they are able to charge fees for things I am not able to view and continued to justify that I need to pay attention to pending charges they can see but I can not. My account was not in the negative however I was charged a {$35.00} over draft fee that in fact made my account negative. So although I placed funds into my account for other charges not to be negative I was then accessed another overdraft fee. She transferred me to her supervisor named XXXX. He initially stated he was only able to reverse 1/2 overdraft fees that were incorrectly accessed. I had funds to cover my transactions. Unfortunately my account was negative due to an error on their accord. They refused to accept responsibility. My account is currently still over drawn. When I sat on the phone for an hour and XXXX stated that both charges would be reversed and they were not. I am completely over Wellsfargo at this point. They are thieves. They justify fees based off of account details their customers do not have access to. They will over draft you then overdraft you then overdraft you. I am closing my account next week.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am uncertain as to WHY these late payments are present on XXXX/XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CT)

Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered. 

I've tried communicating with them via their messaging portal, but their instructions dont work. 

I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number. 

They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.
Consumer complaint received 2021-10-07
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. (FL)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 30 days since then. Please help