davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has locked me out of accessing my account. 
Amex detected potential fraudulent charges on my card last week and alerted me immediately through the Amex app I use on my phone. After confirming these were fraudulent charges not iinitated by me, Amex canceled the card. This is common practice. They have mailed me a new card. In the mean time, I am traveling and have not nor will not be home in the immediate future to receive the card. In addition to canceling my credit card, they have frozen my online access and will not provide the detail of recent charges or statements to me. I can not unfreeze the access hold until I have the new card in my possession, which I will not as i am not home. I need the account access to a ) review my statement which has a $ XXXX+ amount due next week and b ) I have a business which I need to confirm past charges in the past 3 months that I am being double billed for. 

This is not OK in any manner. Amex is not willing to work with me on getting me the information.
Consumer complaint received 2023-06-07
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: CORELOGIC INC (NJ)

I CALLED CORELOGIC, CREDCO, AND SPOKE WITH XXXX, SUPERVISOR. HE KEPT INSISTING THAT THEY DO NOT PROVIDE REPORTS AND I HAVE NO PATHWAY TO OPT OUT OR FREEZE MY INFORMATION. HE WENT ON TO STATE CREDCO IS NOT A REPORTING AGENCY, HENCE, THERE IS NO WAY TO OPT OUT. HOWEVER, I READ TO HIM THE LANGUAGE CONTAINED ON THEIR WEBSITE WHICH CONVEYS THEY SHARE INFORMATION TO SPECIFIC INDUSTRIES. I HAVE THE ENTIRE CONVERSATION RECORDED AND HE WAS MADE AWARE OF THE PHONE CALL BEING RECORDED.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (FL)

Caliber homes loans requires 40 days to post mortgage payments to consumers account. Caliber home loans does not communicate this with the credit department within the caliber home loans institution. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of caliber home loan and has yet to be posted in the month of XXXX. Caliber says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
Consumer complaint received 2023-06-09
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes TransUnion, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e TransUnion, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2023-06-07
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. (MO)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2016-09-19
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I have banked with HSBC since 1989. Over the years they have sent me " convenience checks '' for my credit card with marketing blurb about them being as convenient as cash etc. I used one for the first time XX/XX/XXXX for {$1800.00}. I did n't read the small print about having to pay the amount off in 10 days so suddenly got charges. That is fair enough. My mistake. 

Since then though, I have more than paid off that amount and have made other purchase but I am still getting charges. I called and managed to get them to admit that they pay off all other charges first. In other words, they have put that check to the bottom of the pile and put my payments toward the balance I had on the card before writing the check AND purchases made on the card since writing the check. I do n't think that is fair. 

If I borrow {$5.00} from a friend one week and then {$5.00} from a different friend the week after, I think it is fair and reasonable to pay of the older debt first. 

Also they have raised the percentage rate across the board. As well as paying a higher percentage ( 25 % ) on the {$1800.00} for using their " Convenience check '', my rate for my previous balance has jumped from 13 % to 25 % and all subsequent charges are also at 25 %. This seems like a double whammy. 

I feel like I would have been better off going to a payday loan and keeping that cash advance as a separate transaction and I am being penalized for being a loyal customer.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me. 

Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection. 
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX. 
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}. 
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus. 
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX. 
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them. 
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries. 

Sincerely, XXXX
Consumer complaint received 2023-06-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I requested an appraisal to drop PMI off my loan. The appraiser came out and looked at the home. He had inaccurate square footage and used comps that were outside the neighborhood when there were plenty in the neighborhood. He valued the home at {$1000.00} less than what was needed to drop the PMI. When I discussed the square footage dispute with Wells Fargo, they said I had to dispute it and sent out a form via snail mail. I think they just do this to continue to collect PMI. The square footage is a matter of public record. So now, I will be paying another month of PMI just to prove the appraiser was wrong. What a XXXX! This seems like their way to make appraisal money and PMI money! Also, Texas is a non-disclosure state. So they are asking me the sales prices of homes, but that information is not publically available. The closest home to ours us XXXX XXXX XXXX XXXX ( same street and also a lake lot ). It is the same floor plan, but has XXXX less garage space. In my opinion, we should have the same cost per square foot, but then add the cost of another garage space to my home.
Consumer complaint received 2023-06-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
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. (TX)

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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2016-10-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I made a large deposit on XXXX/XXXX/16 at XXXX XXXX Eastern time to my savings account, # XXXX at Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. At the time of deposit I was told the funds would be available either Tuesday or Wednesday. Today, XXXX/XXXX/16, I was told the funds would not be available till XXXX/XXXX/16. Yes that is 7+ business days from the deposit. Is n't this in violation of a banking regulation? The time is excessive! Also I was told that the check was held by the bank and not presented till XXXX/XXXX/16. Please tell me what type of legal action can be taken? 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2023-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX 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 can not 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.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (VA)

I have 3 accounts in collections but they have been set to closed and according to CRA policy, unpaid collections must be deleted immediately upon closure. This company has failed to follow fair, credit reporting policies, and request cease and desist on further collection activities and to remove all reports from all credit bureaus. 
I filed a complaint yesterday before I realize that these accounts were set to closed. I know requested they just be removed permanently and to stop all unlawful activities. This company is harassing me unnecessarily by subjecting my personal credit to unlawful damage from failure to follow policies set by the CRA. This company also got my illegally and is still continuing to contact me through Mail and Phone to try to collect debt. Do not sell this debt that you have placed in my name without my consent to any other parties. Thank you so much
Consumer complaint received 2023-06-09
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. (SC)

I am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.
Consumer complaint received 2023-06-09
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NJ)

I am in receipt of a letter from Barclays Online Banking that I opened an account. I have called every phone number I could find to discover how they opened this account. They refuse to give me any information at every number I have called. I finally wrote a letter to an address I got Barclays XXXX XXXX XXXX XXXX DE XXXX. Still no answer. Of course I have serious concerns on how this account got opened and what information was submitted for them to open this account. I also want to confirm the account is closed. I can not understand why this bank after many calls and a letter they refuse to reply.
Consumer complaint received 2023-06-09
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

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

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not 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
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (GA)

Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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