davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (DE)

XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (NY)

I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

On XXXX XXXX, 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (GA)

My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!
Consumer complaint received 2023-02-15
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: HW Holding, Inc (GA)

Please take notice, I have taken every effort to resolve issue via mail and the next steps could be litigation if unresponsive. 

I am attaching previous CFPB reports, previous letters sent, and my final draft of the letter I am sending to demand remedy before possible litigation. 


The information that was reported on my credit report to begin with was never verified by the collection agency. All they did was remove it and say someone sent it to them, it was not verified in any way. The agent also lied and said that the debt was past the age for removal as the reason for it being removed and that is false. ( Please reference all attachments ). I am demanding remedy totaling {$1000.00} for the violations of the FCRA.
Consumer complaint received 2019-08-08
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: GREAT LAKES (IN)

I reported the problem on my credit reports and at first they did send my credit report from XXXX but unfortunately now I found someone froze my credit reports after getting it not too long ago and the local authorities stated they do not handle identity theft that is a federal crime great lakes still refuses to comply but the federal trade commission sent me a letter stating yes I can collect damages from any creditor denying credit especially for using my credit report against me!! my complaint is about my report being frozen again and the vicious cycle they send me in
Consumer complaint received 2023-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

YOU STATED THAT YOU ARE STANDING BEHIND IN THESE FORGED DOCUMENTS THAT WERE SENT TO ME. THE DEPARTMENT OF FINANCE & TREASURY AND THE MODIFICATION WAS DONE IN 2018. THOSE DOCUMENTS I SENT THEM TO A FORENSIC LAB AND THE OPINION OF THE LAB STATED THAT THEY WERE FORGED DUE TO THE HORIZONTAL AND VERTICAL LINES INDICATING FORGERY. A DOCUMENT WAS PLACED ON TOP AND TRACED OR FREEHAND TO THE PAPER AND COPIED. NOT MY INITIALS OR SIGNATURE. I AND MY LEGAL ADVISOR STAND BEHIND THESE FINDINGS. AND XXXX XXXX DOES REFINANCES AND LOANS AND IS NOT BACKED BY THE GOVERNMENT OR THE VETERANS ADMINISTRATION.
Consumer complaint received 2023-02-18
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. (IN)

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

Equifax is govern by the 15 usc 1681. and they violated my right numerous of times I demand the account listed below to be removed because according to the 15 usc 1681 : i have the right to privacy and i did not give Equifax written permission the furnish these accounts accounts : XXXXXXXX XXXXXXXX XXXX XXXX Balance {$7000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Total balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$930.00} Balance updated - XXXX XXXX XXXX 
Original creditor XXXX XXXX Balance {$810.00} Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$280.00} Balance updated XX/XX/XXXX 13inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (LA)

I initiated a balance transfer to receive 0 % interest on a large balance that XXXX of my authorized users racked up. I pay all of my bills in full monthly, but once I saw that he no longer could, I moved the balance to this card. I understood this balance transfer to be separate from my other charges, which I pay in full every month prior to the transfer and did so once the balance was transferred. Unbeknownst to me, because I had transferred a balance to this card, and was still having other charges, the promotional apr of 0 % was nullified and then I got interest charges. I called asking why and they reversed the charge. I called again asking how much I need to pay to avoid any future interest charge, thinking it came because of the transfer fee and they said I have to pay in full now since I had purchases. Huh??? I never heard of this in my life. If the transferred balance is 0 % until XXXX, why is it now due in full because I made a purchase? I assumed that my transferred balance was separate from any new charges as those were eligible for interest if not paid in full, however since I always pay them in full, why did it nullify the balance transfer terms. The call was so frustrating. The XXXX rep continued to say I missed a payment when I had a XXXX balance in XX/XX/XXXX. After finally getting her to understand I had no balance, she then transferred me to someone who told me I will get charged for interest as long as the card is being used. I would have never accepted this offer if I knew that. I think it's crazy that the promotional balance is mixed in with the standard purchases. They basically sucked me in to bring over a high balance to then nickel and dime me on my regular purchases.
Consumer complaint received 2019-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

account : XXXX debit card number : XXXX XXXX XXXX XXXX Chase Bank has placed me, XXXX XXXX, in a humanitarian crisis. I notified Chase Bank that I would be out of the country XX/XX/XXXX thru XX/XX/XXXX When I attempted to reserve a hotel in the XXXX, the charge was declined and I was not able to locate a place to stay, as Chase Bank had restricted / declined all my purchases. 

I called Chase Bank 6 times to resolve this. There was no suspicious activity nor any reason to decline the hotel transaction. Chase Bank then blocked the card for ATM withdrawals. I was not able to purchase food. I had some nuts and I am stranded here in the XXXX. HELP. Urgent. This is an emergency. I am very far from any embassy or consulate. 

Chase Bank has stranded me. I have over {$2000.00} USD in my account, but for no reason, Chase Bank has Frozen my account. 

At first the outsourced representative in the " Fraud Department '' asked to text me, but I am OUT of the country, so of course I can not receive texts. I do not have that phone, that plan or a way to receive SMS in another country. 

After I told the outsourced representative, they refused to verify me with a ) account activity b ) my credit profile c ) having me login to my account.

I can of course log into my account. Chase has frozen all transfers, payments, withdrawals, debits, for NO REASON at all. I just tried to book a hotel, got declined by Chase and now they are punishing me and I have no access to funds and I am in a foreign country. 

HELP! Urgent! Emergency! Humanitarian Crisis.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (LA)

Informed Barclays on multiple occasions - beginning in XX/XX/2018 - that XXXX XXXX  card was fraudulently opened in my name. Barclays refuses to close card and turned it over to collections. 

Multiple other credit cards were fraudulently opened in my name in summer XXXX and all were closed.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My credit card had a fraud of over {$500.00} in XX/XX/2018 and I promptly closed my card and asked HSBC to not renew it. HSBC registered a fraud complaint on my behalf and started investigation. Later they found that the transactions were actually fraud and sent me a letter explaining about it. 

About 90 days after this incident, I received communication from HSBC that I had not paid back my credit card amount and should expect a dent in my credit score etc. When I contacted customer service, they explained the situation in detail. They explained that while the fraud charge was under investigation, the bank was expecting me to pay the amount back. Since, I did not make any payment, they levied late fee and interest on my account. Thereafter, once the fraud complaint was resolved, they removed the fraud amount from account but the late fee remained. Then, on the next cycle, they added more late fees as the account still had a balance and continued to do so for 2 more cycles. They informed me that this should not have happened in the first place and that they'd credit back the full amount to my account and it would not show a balance. They also apologized and sent a letter explaining the actions. 
However, in the very next cycle, I saw one more late fee charge and also saw their credit. I contacted the customer service again and the new representative said that I needed to make the payment and the credit was not enough to offset the balance alone. I went ahead and made a payment and they immediately credited me back the amount paid. Amidst all this, they maintained that the whole fiasco should not have happened and apologized for it. However, by this moment, they had already reported the effect of late fees to credit agencies dropping my credit score heavily. 

I am a diligent credit card user who has always paid it back in time, without a ding in my history. However, this incident is making me suffer a bad score through no fault of my own but the sheer negligence of HSBC who did not communicate anything clearly and left me frustrated with the whole system altogether.
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (MO)

Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.
Consumer complaint received 2019-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information contained within my file for XXXX XXXX is incorrect. The company states the account was open on XX/XX/2016 but also states that payment was made on XX/XX/2016. This information is innacurate and after multiple requests XXXX XXXX has not been able to provide any documentation showing the account was opened by the customer. They also have been unable to provide any documentation of payments made to the account on XX/XX/XXXX or any other date. XXXX is in violation of the FCRA. In accordance with the FCRA XXXX is required to provide any and all documentation requests. They have not provided any documentation for the account at all. The credit beareau is also in violation of the FCRA. The credit agency has failed to verify documentation of the debt to the borrower from XXXX XXXX. Pursuant to the FCRA the credit agency is required to formally verify that XXXX XXXX can provide accurate proof of the debt belongs to end userand all information contained in the file is accurate.
Consumer complaint received 2019-05-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (WA)

I submitted a review XX/XX/2017 for my PSLF through FedLoan Servicing that has yet to be resolved and which no timetable for resolution has been given ( despite repeated calls and messages ) up to this day. The issue began when XXXX   student loans were automatically transferred from XXXX to FedLoan, which was not of my choosing. Despite applying for REPAYE on time ( and being approved ), I was charged a full month 's non-REPAYE amount which is completely untenable to pay back on a XXXX 's salary. I opened the review to appeal to override this $ 2000+ amount, called at least ten times regarding the matter also without conclusion. Though the monthly amount was finally changed to the correct REPAYE amount, since this time there has been a wide discrepancy in the number of PSLF qualified payments between different loan accounts. For example, loan # 6 only shows 3 qualifying payments while loan # 8 shows 14 qualifying payments ; I have not taken out new loans since XXXX began and there should be no reason for this difference. As I complete XXXX, it's essential to know where I stand in terms of PSLF progress as I chart out financially how to pay back > {$300000.00}. The fact that a review has not been completed after almost 1.5 years without any indication of when this will occur is absolutely unacceptable.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Im submitting this complaint with XXXX because my credit score was  negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX   about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Respected Sir / Madam, Here is the info I would like to share about this incident : XXXX XXXX and XXXX XXXX XXXX reached out to me inquiring about a apartment regards to add which I posted in XXXX Website for Room Sharing and they said that they want to send some deposit in my account to reserve a room and asked my account number.Once they got my account Details ( Bank of America ) they did a scam to calling my Bank and opened 2 Debit check fraud Claims on my behalf and at same time transferred XXXX $ of 3 which is total of XXXX $ did wire transfer through XXXX Transfers from My Bank ( BOFA ) To Recipient 's Bank on name XXXX ( XXXX XXXX ). After this fraud transactions completed, the recipients completely blocked my phones and emails. 

Once I seen this deductions of XXXX $ and fraud claims happens on my account Immediately I contacted my bank ( Bank of America ) they opened the case ( XXXX ) and after 2 months my bank responded saying that your case got declined because the Recipient Bank ( XXXX XXXX ) said unable to release / reverse back of XXXX $ back to your account. so my bank said finally this is completely comes under fraud crime so I have to file complaint with ic3.gov. 

Here are the Recipient Contact Details : XXXX XXXX ( phone : XXXX, email : XXXX ) and XXXX XXXX ( phone :XXXX, XXXX & email : XXXX, another email : XXXX )
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I lived at XXXX XXXX and they used the company I.Q. Data International Inc.  I have already paid the debt but they charged me interest which is illegal considering it wasnt past due or a bill that can be charged interest.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

The evening of XX/XX/XXXX I, XXXX XXXX XXXX, completed all my shopping for the day. I used my new XXXX XXXX with 1 percent cash back for using it. I redeemed cash of {$1.00} within the XXXX XXXX  hour. The rules of this contract are that the {$1.00} is added to next purchase. My next purchase was the following morning at XXXX XXXX in XXXX for {$2.00}. My {$1.00} was not in my account nor applied to this purchase. Thank you.
Consumer complaint received 2019-03-10
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. (OH)

My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points