davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (MD)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any Items which are found to be opened due to identity theft. The dispute Items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these Items belong to me will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the Items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX CT XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : - FIRST XXXX BANK XXXX Balance : - XXXX FEDERAL XXXX XXXX XXXX Balance : {$4600.00} XXXX BANK XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance XXXX {$2900.00} XXXX CARD XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX FCU XXXX Balance XXXX {$4600.00} XXXX XXXX XXXXXXXX Balance : {$2300.00XXXX XXXX XXXX XXXX XXXX XXXX  PAY XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-07-21
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. (MA)

I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX Kentucky XXXX XXXX ) when I had been under the impression I qualified for a 30 day XXXX XXXX XXXX XXXX ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. XXXX XXXX requires payment from me.
Consumer complaint received 2022-08-11
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. (WA)

XXXX has downgraded my crdit score from XXXX to XXXX. All the other credit reporting agencies still have mine in the XXXX area. XXXX has recently been reported having incorrect credit scores that have adversly affeted consumers. 
Looking at the details in XXXX on my report, nothing significant has changed and and everything is reported that all payments are on time and no bad debt. 
Wht can I do to have them fix my credit score?
Consumer complaint received 2023-05-19
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit Service ( collections Agency ) is asking me to pay {$150.00} for XXXX XXXX XXXX for an account ( Mobile Phone ) fraudulently opened by an unknown individual in my name. 
Date XX/XX/2023 2023
Consumer complaint received 2023-07-21
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

I saw that there's a class action lawsuit for people who had checking accounts with Wells Fargo up til XXXX & i had an account in XXXX & wanted to see if I qualified for anything. I do remember the bank charging me fees of all sorts during that time
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (NJ)

Lending Point keeps charging me automated payments that I did not agree to. They keep charging me on the wrong day and this month they are trying to charge more than once. My payment date is the XXXX of every month but last month they charged me {$260.00} on XX/XX/XXXX when I called and explained that they are charging me on the wrong day they took more than a week to reverse it and there solution was to offer me a " temporary relief '' payment plan where I only pay {$26.00} on the XXXX of each month for two periodic periods which means that the next full payment should be XX/XX/XXXX but they sent an email saying that the temporary period is ending. They are taking advantage of me and will only accept automated payments which means that if they charge someone on the wrong date and put them in the negative then offer them a " temporary relief '' payment plan it wraps the two payments to the end of the loan prolonging the loan and is a tactic to increase the interest rate. This is predatory lending. Lending Point put me in the negative last month and I was not able to pay my other bills or even afford food for me and my family. Please review the documents I provided for proof of predatory lending. This is a violation of my rights as a customer with TILA and the federal transactions act.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (NJ)

I had a debt owed in the amount of {$1500.00}. I contacted the Debt Collector, North American Recovery, to begin the repayment process. I paid {$400.00} immediately, and entered into a payment plan to pay the remainder ( roughly {$32.00} every 2 weeks ).

I received a document indicating that roughly {$860.00} had been paid or credited to my account, which seemed to me that the company matched my initial payment with a credit. However, they indicated that I still owed roughly {$1100.00}.

I have contacted them at least 3 times regarding this discrepancy, and I have continued making payments during that time. On one occasion I was told that my concern was escalated and that I would be contacted by a supervisor ( I was not, despite providing my contact info ), on the second I was told to email XXXX with the statement I was sent as well as any other relevant details. My third attempt to resolve this involved me emailing the above referenced email on XX/XX/22, and I was told by my representative over the phone that I would hear back within 2 weeks. The automatic reply email I received indicated I would hear back within 30 days. I was never contacted during the 2-week period after the phone call. The 30 day period passed, and I still had not been contacted. I followed up via phone and was not provided any additional information.

Per the company 's own communication, I should owe {$400.00} less than what they currently declare my remaining balance is. I have given them ample opportunity to respond, and made a good faith effort to address this issue, and it still has not been resolved.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I contacted XXXX, Equifax, XXXX XXXX multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/2023. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXXXXXX, Account : XXXX XXXX  XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

15 U.S.Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between Myself and XXXX XXXX XXXX, XXXX  XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/2023 I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-05-22
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. (CA)

I redeemed two plane tickets with XXXX XXXX using credit card points on Chase Travel that were refundable on XX/XX/XXXX. However, when I tried to cancel the tickets a few months later, Chase Travel informed me that there was a {$200.00} cancellation fee associated with each ticket. Each ticket is worth {$220.00}, so this would mean the refund would be {$50.00} after accounting for {$400.00} of cancellation fees. I explained that the email confirmation I received classified the tickets as refundable, and there was no way for me to see the {$200.00} cancellation fee online when booking the tickets, and this was also not displayed when I logged into the Chase Travel portal to view the trip. At the time, I opted for a voucher because the representative kept insisting that the fare was unrefundable. However, after looking into the email confirmation further, I did not think this was a fair outcome as I believe Chase Travel deceived me by hiding this cancellation fee. 

I contacted Chase Travel again on XX/XX/XXXX to explain that I had a refundable fair per my email confirmation, but they again reiterated that in their system it shows as non-refundable. This information was not accessible by me, and this cancellation fee was only communicated to me after I called Chase Travel. Each call with Chase Travel takes 40mins+ after going through verifications and explaining the situations- this was my 3rd lengthy call with them on the same issue. This is a very long time suck to access basic information that is critical to my decision making when redeeming my points initially. 

I submitted a XXXX complaint on XX/XX/XXXX, and received a response from Chase today, XX/XX/XXXX, stating that my fare was refundable, but with a {$200.00} fee for each ticket. I looked at XXXX XXXX refund policy ( XXXX XXXX XXXX ) and there is nowhere on the website that states there is a {$200.00} fee associated with a refundable fare. I do not believe Chase conducted fairly, and in fact, engaged in Unfair practices by misleading me on the fare type, and by hiding a very large {$200.00} cancellation fee per ticket from their written communications to me. 

While Chase offered to credit XXXX reward points that's worth {$93.00}, my initial redemption was for XXXX points, which is worth {$450.00}. The credit does not cover the majority of my cost.
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I have been approved for Georgia HAF program and they sent the ACH payment to my mortgage company, US Bank on XX/XX/23. US Bank received all the funds on XXXX to reinstate my mortgage ( {$11000.00} ) plus 3 months of future mortgage payments ( {$4500.00} ) for a total payment of ( {$16000.00} ). They still have NOT applied the funds to my mortgage account to reinstate it. There is a foreclosure sale date of XX/XX/23 and I still have no concrete answer from US Bank on when they're going to post the funds to my mortgage account so the sale date can be canceled. They have not even sent me a letter in the mail with info on the status of the foreclosure since they have the money. No one is giving me concrete firm dates on when I can expect the funds from the HAF program to be posted.
Consumer complaint received 2023-05-22
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. (AR)

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX reported a late payment in XX/XX/ 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 my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under my rights as specified in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ). According to these statutes, credit reporting agencies are required to maintain and report only 100 % accurate information on consumer credit reports. Inaccuracies that are not corrected must be removed entirely from the report. 

The information I am disputing pertains to the following account : Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX **** I have identified several discrepancies on this account across the credit reporting agencies. Due to these inconsistencies, I request that the information be immediately reviewed, verified for accuracy, and, if found inaccurate, be corrected or removed from my credit report in compliance with FCRA guidelines. 

If this matter is not resolved within XXXX days, I am prepared to proceed with legal action for damages of {$1000.00} per instance of inaccuracy, as provided under FCRA violations XXXX I trust that you will act promptly to rectify this issue. 

Please provide written confirmation once this information has been corrected or removed from my report. I appreciate your attention to this matter and your adherence to federal guidelines in addressing my dispute. 


I have attached the letter I've sent to all three reporting agency, XXXX, TransUnion and XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US Bank refused to refund the remaining balance of a closed account. They stated a check for the balance would be sent within 15 days of the account being closed which was XX/XX/XXXX. I have contacted the local branch and customer service multiple times without resolution. I was informed no check was ever issued and US Bank is continuing to withhold my balance of over {$4000.00}. This account was closed over 2 months ago and US Bank refuses to return my remaining balance.
Consumer complaint received 2023-05-22
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. (NC)

So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, Equifax XXXX, XXXX XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On the days of XX/XX/XXXX & XXXX XXXX I made 3 separate transactions : two of {$470.00} and one of {$880.00}. It was to the company XXXX XXXX XXXXXXXX XXXX and for services they were suppose to fulfill. Since the day of the transitions and completing the requirement they asked from me the client in order for them to complete the services they promised. It was for an evaluation per transaction and if passed they would refund me the enrollment. By XX/XX/XXXX all requirements were fulfill as well as a request for the refund. The company from there in multiple forms of communication began to go around the situation and didn't want to do what they said. They rejected my reimbursement as continue to give excuses or ignore. During the same time after multiple broken promises and patiently waiting for these issue to be resolved nothing. I also saw on XXXX XXXX and other sites had nothing but negative reviews and how they were others in similar situations. I called Chase Bank to notify them of this company taking advantage of me and the experience. They credited me with a temporary credit to only come back shortly after and reverse the credit. They didn't give me a chance to dispute and send them further information to resolve this situation. After multiple phone calls and hoping someone can help they all gave me he same answer that this can't be appealed or disputed there decision. Now I have my account overdrafted with multiple other fees added as well as some of my funds lost in the reversal. I believe that this need to be looked into and they should have given me a chance to dispute. I now would like to file a complaint with Chase Bank and ask for a further investigation. I believe they should take responsibility on this on this fraudulent transaction.