davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (AR)

I am formally requesting with this CFPB Complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

This is in regards to complaint # XXXX-XXXX. 

I received a phone call few months ago assuring me that hell take care of the account and remove all the late fees, interest charges and any transaction that is not recognized or considered fraud. 
Its been a long time that I never received any response nor did anyone contact me. And my account is still on hold. I dont use the credit card anymore and I was wondering if I could close the account. Recently I called Bank of America to close my account but I was told that I cant close it until I receive a message that the problem has been resolved. Two weeks has passed and I still havent received any response. However, I see a few more late fees and interest charges added. It's also affecting my credit. Im sick and tired of Bank of America and the liars employed in the corporate office. Id request you to please urgently help me resolve this issue.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a Visa with Citizen Bank My statement for XX/XX/2023 balance was {$710.00} I paid in full on XX/XX/2023, at branch location. I received a statement for XX/XX/2023 with summary activity payment of {$710.00} no charged but {$7.00} interest charged {$7.00}. I called and was told because I didn't pay in 5 month the balance time frame I received. I this fee. I said I never been late and was paying {$500.00} for three months because of the interest was high so interest on XXXX is {$7.00}.
Consumer complaint received 2023-02-14
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. (MD)

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

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian recently dropped my credit score by close to XXXX points, from XXXX to a little over 800. I contacted them and their response was : " We are not licensed credit advisors, so we can not attempt to explain exactly why your score changed. We would like to provide some information you may find helpful. '' They went on to list 5 things that can lower credit scores, like opening a new account, getting delinquencies, adding to credit limits, etc. I have had NONE of those, yet my score as compiled and reported by Experian dropped. When I contact them, they claim they can not explain why a score drops. 

What kind of insanity is this? People live by their credit scores and a sharp drove can strongly affect them, but the credit company can not explain why THEY reduced my credit score. Can you help me with this hypocrisy?
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I purchased multiple items on a site called XXXX for the first time back in XXXX for a total of {$500.00}. Its a company in XXXX XXXX and I ordered XXXX shipping and it was suppose to arrive in a few days. It took up to two weeks for the package to finally be in my city. I waited and waited and then the day it was suppose to arrive I never received what I was suppose to get. ALL MY ITEMS IN THAT BOX WAS GONE. I contacted the merchant to see what's up and one of you guys clearly stated " to wait because the status can be marked as delivered when it wasn't '' | was told to wait and it's been days after and I still didn't get my package. I CONTACTED MULTIPLE TIMES EVER SINCE THIS INCIDENT AND NO ONE HELPED ME. Their automated system clearly told me if I didnt receive my item please contact your bank or carrier which is what I did as shown in one of the pictures I provided. I eventually filed a dispute with my Chase and a police report to get backup. I've been in contact with XXXX and law enforcement for the past 2 months. XXXX told me the package was either lost or stolen. I don't know who to believe but law enforcement are still investigating it because there was so much valuable items in that one box and it's all gone. I emailed them constantly and none of my emails went through for the past 2 months and it's frustrating that I have to keep contacting to keep a resolution. Then all of a sudden Chase resulted the claim in their favor because the purchase was authorized I CLEARLY TOLD CHASE IT WAS AUTHORIZED AND NOT FRAUDULENT. I JUST DIDNT RECEIVE THE SERVICE I ORDERED FROM THIS SCAM COMPANY CALLED XXXX. A representative named XXXX at the Chase Claims Department put my claim in the wrong category. She put my claim as a unauthorized transaction when it was authorized I just never received the service I paid for which was the whole point in the first place. I ordered shoes from this same company around the same time too and they never shipped it out and its been two months. it's killing me that i don't have my items and a case was closed in the favor of a website that is sketchy. I dont want to pay back money for a service i never got. I have all evidence of everything. I have the police report and everything. My chase account email is XXXX. Im just hoping anyone and I mean anyone that can please reach out to me as soon as possible and help me appeal the claim or do something because it was closed in their favor. Thank you.
Consumer complaint received 2023-02-18
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 (OR)

This is the second time I have put this to CFPB about BARCLAYS XXXX CARD, and I have been fighting this card since XX/XX/2022. 
I have asked for proof of response company from XXXX, a XXXX in XXXX. 
They stated that the company never responded. I was told that I had to wait 90 days to see what they reported happened. 
If the company didn't respond, I would have won the dispute by default. Well, as you can see, It's been the past 90 days, and they have started billing me late fees. 
I expected this would have been resolved, but it is not. 

I want this to get resolved, please. But unfortunately, the company doesn't have anyone who speaks XXXX well, so I can't get my point across. 

I need help with this mess. I need assistance with this company. Please review my first complaint against this XXXX XXXX  company, XXXX and XXXX XXXX 's account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (WA)

The MoneyNetwork website and phone customer service line are not in sync with regards to trying to recover a lost PIN. There is no alternative to calling their XXXX number and the automated service menu doesn't recognize the account number, despite my being able to log in to the account. And in the account there is no PIN functionality at all, not even mention of it within the log in site, just the incorrect instructions on the external site. 

It's not even obvious if these people even exist anymore. But I'm quite confident they're earning interest on the funds that taxpayers can't use because of failing to provide basic PIN update functionality. 

The account has the full EIP XXXX amount just sitting there, and without a PIN is of no use.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

XXXX unauthorized transactions have been made on my Chase debit card totaling more than {$1500.00} resulting in my account being overdrawn and my cards having to be cancelled. First unauthorized transaction on XXXX XXXX for {$1300.00} at a XXXX grocery store in XXXX Georgia and then on XX/XX/2023 for {$200.00} at another XXXX grocery store in XXXX Georgia.This is really hurtful and traumatizing. I have bills I have pay and a family all I can do is breakdown and cry because my family is suffering because of this. I talked to a representative of Chase Bank and was told this would be quickly resolved.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

We moved from one place to another we had XXXX XXXX XXXX XXXXXXXX XXXX we were 2 months shy of finishing out our contract when we moved the place we moved to wouldnt allow a sattelite dish i contacted XXXX XXXX XXXX  they said we can go there other package which is XXXX and as along as we stay customers it would not be a issue well somewhere along the line it went to a collection agency which it wasnt suppose to tried to explain this and to have the the charges removed from my credit report the supervisor got nasty with me we aint removing it i said fine then we will go court then.
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: Union Home Mortgage Corp (MI)

Dear Consumer Financial Protection Bureau, I am writing to dispute the late fees that have been charged to my account by Union Home Mortgage. As a licensed therapist, I am committed to providing therapeutic services to individuals who are in transitional living situations. These late fees have prevented me from accessing the necessary capital to invest in multi-unit family homes that can provide affordable housing for those in need. 

I entered into a forbearance program with Union Home Mortgage on XX/XX/XXXX, which was later extended to XX/XX/XXXX. Despite being in this program, I have been charged late fees for the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These late fees have been reported to the credit reporting agencies and have negatively impacted my credit score. 

Union Home Mortgage has violated several laws and regulations, including : Violation of the Fair Credit Reporting Act ( FCRA ), specifically USC Title 15, Section 1681s-2 ( a ) and ( b ), which requires furnishers of information to credit reporting agencies to have reasonable procedures in place to ensure the accuracy of the information they provide, and to investigate and correct any inaccuracies that are reported to them. 

Violation of USC Title 15, Section 1641 ( g ), which requires mortgage servicers to provide borrowers with a notice of any assignment, sale, or transfer of their mortgage loan to another servicer.

Violation of USC Title 12, Section 2605 ( k ) ( 1 ) ( A ) ( i ), which requires mortgage servicers to promptly and accurately credit payments made by borrowers. 

Violation of the Truth in Lending Act ( TILA ), specifically Regulation Z, which requires lenders to provide borrowers with a clear and accurate disclosure of the costs associated with a loan.

Violation of the Real Estate Settlement Procedures Act ( RESPA ), specifically Section 1024.41 of Regulation X, which requires mortgage servicers to have reasonable policies and procedures in place to provide borrowers with information and assistance related to loss mitigation options.

I am requesting that Union Home Mortgage correct these errors and remove the late fees from my account. I also request that they update my credit report to reflect the accurate status of my account during the forbearance program. Additionally, I request that Union Home Mortgage provide me with a notice of any assignment, sale, or transfer of my mortgage loan in the future, and that they promptly and accurately credit any future payments I make on my account. 

The removal of these late fees is urgent, as it would enable me to invest in multi-unit family homes and provide affordable housing to those in need. I urge you to take immediate action to provide monetary relief and ensure that Union Home Mortgage complies with all relevant laws and regulations. 

Thank you for your assistance in this matter. 
l
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I sent {$200.00} from my bank account to this email XXXX. I sent it with XXXX with chase bank. It was supposed to be invested in a prebuilt store that i was going to have access to but he has not given me any information whatsoever. I will include his XXXX  in the screenshot. I want a full refund from him.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MI)

I have a money lion app account my account was fraudulently accessed personal information was changed money was taken from my account and sent to my XXXX XXXX. I did not authorize any money to be transferred I have discussed and disputed the transaction four times with money lion and I keep denying my claim they will not refund me my {$1600.00}.
Consumer complaint received 2019-11-14
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. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX . XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX.
Consumer complaint received 2019-11-14
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-14
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
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 — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In XX/XX/XXXX I opened a auto loan with USAA Savings bank in XX/XX/XXXX the bank closed the account without notification and reopened a second loan without authorization closing the original loan. The second loan opened in XX/XX/XXXX after the first loan was closed was opened without notification or authorization. This account activity has been investigated by FCRA and USAA has been fined for such activities.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Opened the saving A/C on XX/XX/XXXX with Citizens Bank with {$100.00} initial deposits - saving A/C # XXXX, Routing # XXXX, also received the receipt acknowledge by them. 
XXXX XXXX wanted to access a/c to deposit more money, could not log into a/c so called customer service dept. - talked to XXXX. She said do not have any more a/c and Bank has ended the relationship. Then talked to several times to find the reason for closing the a/c and to return my initial deposit of {$100.00}. Finally talked to XXXX on XXXX and she opened the case # XXXX to further investigate. Did not receive any communication, so called again on XXXX and talked to XXXX- she suggested to get the letter from XXXX XXXX XXXX  XXXX On XX/XX/XXXX my bank ( XXXX  ) talked to their staff - XXXX  personally and talked almost 1 hour and 30 mins, but no good solution and said can not help anymore and said can not talk anymore or cant give more info. and hang up. I have tried to log into my a/c several times but no access. They have closed my a/c but not refund the deposit. Please help to recover this amount. Thanks.