davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays Bank Delaware Office of The President XXXX XXXX XXXX XXXX, DE XXXX Subject : Notice of Securities Fraud and Violation of Federal Laws To Whom It May Concern : I hope this letter finds you well. I am writing to address a matter of utmost concern regarding my Barclays Mastercard account which was established in XXXX I recently discovered that the security I issued Barclays Bank Delaware in the form of a credit application for the Barclays Mastercard is, according to your 424b5 prospectus, 10-K, 10-Q, and 8-K reports filed with the Securities and Exchange Commission, pooled and pledged as collateral to third-party investors as a primary means for Barclays Bank Delaware to raise capital. This revelation raises serious ethical and legal concerns, as it implies that Barclays Bank Delaware is unjustly enriching itself by using the securities of its cardholders as collateral without their explicit consent. I believe this constitutes securities fraud, as it involves withholding me from my securities without proper disclosure, authorization and compensation. Furthermore, I would like to bring to your attention that such actions may be in violation of federal laws, including but not limited to the Equal Credit and Opportunity Act, Consumer Credit Protection Act, and Sarbanes-Oxley Act. Denying me access to my rightful securities is a breach of my right to credit, and it reflects a failure to adhere to the principles of fair and transparent financial practices. In light of the aforementioned, I am formally requesting equitable and just compensation, along with interest, for these bad faith acts and willful misconduct. Failure to provide a satisfactory remedy within thirty ( 30 ) days will leave me with no choice but to pursue legal action and file complaints with the relevant authorities. I also demand and have the lawful right to know if Barclays Bank Delaware has or had any XXXX numbers affiliated and/or associated with my name and/or account on record/file with Barclays Bank Delaware, its affiliates or anywhere else. A XXXXXXXX XXXX XXXX XXXX can and will confirm if necessary. Caveat : The absence of explicit objection or response to this matter shall not be construed as indifference or lack of concern. Silence in such instances is expressly recognized as acquiescence, and by choosing not to formally address or contest the matter in question, one tacitly agrees to the information presented. It is imperative for all parties involved to recognize that non-action does not negate the potential consequences of implicit agreement, and due diligence should be exercised to ensure that all pertinent concerns are actively communicated and resolved. I trust that Barclays Bank Delaware values its reputation and commitment to ethical business practices. I hope we can resolve this matter amicably and promptly. I look forward to your prompt attention to this issue and a timely resolution.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

N. Accordance with the Fair Credit Reporting act XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error that the banks sent the wrong statements to the wrong address and I seek your immediate intervention to rectify it. The banks associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

The XXXX XXXX XXXX did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( XXXX ) ( B ) ( XXXX ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

Hello, 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. 
Account name : JPMCB CARD Account Number : XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to request the removal of outdated addresses from my credit report and the update of my current address. The addresses listed on my report are no longer valid and may affect the accuracy of my credit file. 


My Current Address is : XXXX XXXX XXXX XXXX XXXX NC XXXX I kindly ask that you promptly remove the outdated addresses and update my credit report with the correct current address. Your assistance in resolving this matter is greatly appreciated.

I am attaching my ID and Utility Bill to verify my current address as well as my social security card to verify my identity. Thanks!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (PA)

On or about XX/XX/2024 I discovered that Nelnet ( Nelnet , Inc. ) has continued to report student loan balances despite the loans having been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) who has also began reporting the same student loan balances. This erroneous double reporting has led to the doubling of my student loan balance on my credit report ( s ). When Nelnet was contacted on or about the end of XXXX with regards to the erroneous credit reporting they stated they had already been removed but failed to provide any further information with regards to the current status or when these amounts would cease to be reported and/or fall off my credit report. As of XX/XX/2024 the student loan balances from Nelnet continue to be reported by the credit agencies.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C. (ID)

XXXX XXXX XXXX does collection for XXXX medical center along with a second company hired by the hospital at XXXX XXXX out of Texas that refuses to release their true name. Both have incorrect information and have been notified repeatedly. 
In addition they are adding fraudulent charges to incorrect information. Payments are being collected by the hospital, then both XXXX and the XXXX Texas firm are trying to collect on the same items, They have been notified in writing three times with copies enclosed. None of the information is correct and I am concerned the hospital has found a method not to be held accountable or a means to complain against them directly. In addition the XXXX Texas number calls some times 10 times a day or fifty times a week.

When I ask for name they refuse and when I request current statements showing charges I am ignored and it is hurting my ability to run my business. I have XXXX debit. 
Thank you so much for looking into this for me, it is appreciated.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

this is amexgiftcard, The amount is {$860.00} The gift card was used normally before, but it was locked directly after the merchant refunded and can no longer be used. 

card number XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I went to a Wells Fargo branch in XXXX at XXXX XXXX the time of the appointment I made. XXXX XXXX, tried to assist me with my request starting at about that time. What I wanted to do was to close a CD that matured on XX/XX/XXXX and have the funds transferred to my checking account. I was told previously over the telephone that this could not be done on-line nor over the telephone and I had to make an appointment to visit a branch in person to get it done. So I did. It took XXXX XXXX over 2 and half hours, called multiple departments within Wells Fargo to finally accomplish it for me. He was clearly frustrated and embarrassed enough such that his XXXX XXXX XXXX went off. 
I had multiple CDs coming to maturity in XX/XX/XXXX, XXXX, XXXX and another one in XXXX. 

When I invested in the CDs, it was easily accomplished on-line. I do not understand and refuse to accept that to discontinue the automatic renewal of the CDs, it could be done on-line, or over the phone, and I had to visit a branch in person on the date of maturity of each CD and this process could take 2.5 hours each time. 
I made an appointment to visit a branch on XX/XX/XXXX. But I also called Wells Fargo 24hour customer service number on XX/XX/XXXX. Passed to XXXX, her supervisor XXXX and eventually to her supervisor XXXX XXXX. He read the internal rules carefully and repeated some to me over the phone and concluded that my request to discontinue the automatic renewals of the CDs on maturity and have the funds transferred to my checking account at the bank poses no risk to the bank and he could approve it. I asked him to twice to make sure and told him I had made an appointment on XX/XX/XXXX and I would cancel it. He assured what I asked for will be done, there would be no need to visit a branch for each of the maturing CDs. I recorded the call finished at Pacific Time XXXXXXXX XXXX. on XX/XX/XXXX. 

On XX/XX/XXXX, I checked online. Apparently nothing was done. So I called the XXXX support number again. The first line banker XXXX told me to go to a branch, refused to pass me to his supervisor, eventually passed to a complaint department officer XXXX ( male ). After long conversations, XXXX also looked up internal rules and agreed that my request can be done over the phone, as along as I reached a senior enough officer in the first-line. In complaint department, they could not approve the request. Suggested I call the support number again next day. 
I called again on XX/XX/XXXX, was not able to reach any officer senior enough because it was a Sunday. 
I called again on XX/XX/XXXX starting at XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX. After multiple calls, speaking to different officers, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. It is concluded, as of now, XXXX XXXX XXXX XXXX that I will have to call back again to try to speak to an Executive Officer.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I have an account that would soon be voted by Chase Bank and on XXXX  XX/XX/XXXX I received a text saying that they are going to closed my account due to a fraud or suspicious activity with my bank account and they wanted information and to take action before they are to close my account I called the customer support service and I told them that the check that was deposited with the amount of {$7100.00} into my account was legitimate but it was placed on hold and later XXXX returned and refunded back to the payer who made an online deposit for the deposited check so I want to file a complaint in XXXX  to make sure that the check is really legitimate and not fraud or suspicious activity and that I want my account to be reopened
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG MORTGAGE, INC (FL)

XXXX Financial has not provided a copy of the XXXX which is required by law. Upon loan origination, XXXX sold the loan to XXXX within the first 2 months and presumably mailed a copy of the XXXX to an old residential address. Ironically, the owner of that address verified no such document had been received. Speaking with the current loan XXXX, XXXX failed to provide their financial documents so validating loan origination with XXXX is impossible. According to emails provided by XXXX, a copy of the XXXX can be retrieved through their portal, and while the first two payments are reflected, no XXXX is available. Over the past several weeks, dozens of calls have been made to XXXX promising to mail the XXXX to which I have received nothing. Speaking with a XXXX XXXX XXXX, an email copy of the XXXX was sent with a link containing no information. 
After a great deal of effort on my part to acquire the necessary document, I need assistance in receiving the XXXX to complete my tax filing for XXXX.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-17
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (WA)

Today, Saturday, XX/XX/2023, I tried to use my Affirm.com online credit card and the entire company was shut down! 
Their Android APP, WEBSITE and PHONES were all unreachable for over 10 hours that I tried to use and contact their company. Finally at XXXX XXXX  I called them and their recording didn't say they were having system problems anymore, which was the response all day that they were having systemproblems. It was a 38 minute wait so I opted for the call back. They called me back. I told them that my available credit, was {$4000.00} last week, however today it is zeroed out {$0.00} after their entire organization in person and online went down! And was inaccessible. 
I asked to speak to a supervisor and was informed that no one was available. This call center is NOT in the United States! 
This company has billions in $ $ with millions of people 's credit card accounts online IN THEIR OBVIOUSLY NOW HACKED SYSTEMS ONLINE! 
PLEASE find out why their entire company was not reachable for over 10 hours today
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tsarouhis Law Group, LLC (PA)

I purchased a vehicle on XX/XX/XXXX and as part of my credit report pull, an unknown debt to me was on the report as collections with XXXX XXXX. I called XXXX, they redirected me to Tsarouhis Law Group LLC. I called Tsarouhis Law Group LLC and explained that this was the first I had ever heard of this debt/collections ( they said it was from XXXX ) and asked for a debt validation letter given my rights under the Fair Debt Collection Practices Act. They stated it would be sent right away. Tsarouhis Law Group LLC is located only XXXX hours away from me, and I have not received any letter. I called to verify that it was sent, to which Tsarouhis Law Group LLC threatened the debt would be taken to court as part of a suit, but that my debt validation letter is in the mail. I feel like they are unable to verify the debt, attempting to collect it from me in a threatening way to make a profit, and are falsely reporting this debt which is negatively impacting my credit.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/2024, a XXXX was accepted by the XXXX  for the amount of XXXX for the loan balance. XXXX XXXX was received from XXXX XXXX XXXX parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the XXXX. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of XXXX XXXX. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. The presence of this fraudulent account tarnishes my credit history and could have serious implications for my financial future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

An unauthorized Bank of America business credit card was opened in my name several years ago, subsequently closed. However, this card has inexplicably become linked to my personal account. Over the past five years, Bank of America accessed both my personal and savings accounts, withdrawing over {$20000.00}. This has resulted in significant and irreversible damage to my personal credit. Furthermore, they withdrew funds from my account for XXXX transactions I did not initiate. This situation created considerable difficulties, leading to the return of every payment I made for the month and causing 30-day late payments on six of my credit card accounts. 

See attachment for the most recent withdrawals on XX/XX/