davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit 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 (NM)

I ordered what I thought were authentic XXXX XXXX XXXXs from XXXX, and received counterfeit shoes. I sent Barclays everything I had, which includes the conversation I had with the seller. I faxed the information twice, and spoke to three representatives over a 2 week period. These documents include the vendor offering a XXXXXXXX XXXX refund for their XXXX XXXX 

They closed my case and told me they had no evidence of fraud. I still have the messages from the vendor. Barclays is a terrible company, and this is the second time I have had to report them to get them to do their job. I would close my credit card if it wouldnt hurt my credit score.
Consumer complaint received 2024-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (GA)

To Whom it May Concern : Re : Discrimination by US Bank Due to ethnicity, age, sex, or disability My name is XXXX XXXX my Home equity loan # XXXX Loan application date XX/XX/year> It is clear that U.S. Bank Corp has persistently discriminated against certain customers due to their religious or political affiliation. This discrimination is unacceptable. U.S. Bank Corp must stop such behavior and align its business practices with the anti-discrimination policies that U.S. Bank Corp proclaims. 

In its public-facing statements, U.S. Bank Corp markets the companys professed openness and inclusivity. U.S. Bank Corp touts that it opposes discrimination in any form and promote an inclusive society where everyone feels welcomed, equal and included. Likewise, the banks Equal Opportunity, Anti-Discrimination and Anti-Harassment Statement promises : No form of discrimination, harassment, inappropriate or abusive conduct is tolerated by or against employees, customers, vendors, contractors or any other individuals who conduct business with U.S. Bank Corp. All employees, including managers and employees in non-managerial positions, are required to promote equal opportunity. 

This is far from the experience i received while applying for financing for a home equity loan from this banking institution. My loan application was unfairly processed and ultimately denied even though I met all the guideline required for this loan. I was asked by my loan officer certain alarming questions like my race and my sexual orientation these leading questions gave me some form of in-site as to the true nature and practices of this company through the line of questioning. 

I was not given a definitive answer as to why my loan was denied other than a made up guideline that was not associated with my initial pre qualification requirements to be approved for this loan. I met all the required guidelines outlined. it was only after i was questioned about my race was i denied a short time after.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (CA)

Im trying to buy a house and notice I had damages on my credit report. Stopping me from giving my family there dream. According to the 15 usc 1681 law, there shouldnt be any damages on your report is a defamation to my character.
Consumer complaint received 2023-09-25
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

This card was no longer being used and I called to cancel it prior to the yearly renewal date and the {$80.00} fee involved. I was told at this time there was a charge on it that I had to pay before they would cancel it. The charge was from Amazon XXXX a monthly fee. This charge was supposed to go on another card but Amazon was unable to do this because the numbers had changed. Amazon never contacted me relative to this and just put the fee on this card, WITHOUT MY PERMISSION. I told Chase Bank I would not pay this fee of {$12.00} because I never authorized it. They said they would dispute it but could not cancel the card prior. I told them I had cut the card in half and wanted to cancel it prior to the renewal fee. Chase Bank added the renewal fee, did not remove the charge of {$12.00}, and continued to send me bills with late fee being added. This began I believe in XXXX XXXX and currently has grown to {$210.00}.
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (TX)

Ive told this company that I cant not be contact at work, they called me XX/XX/24 Ive answered explained the situation in which theres a legal matter going on with this car the car dealership sold a vehicle that broke down in the first 30 days Ive tried to no avail with this company as well as the car dealership to the point that I had to obtain a lawyer. I received a second call same day at first I said this isnt to cease communication please just dont call me the same day I already made contact. After the agent said they can still call me even if they spoke to me already in the same day I advised if feel like that was harassment and dont call me anymore, today XX/XX/24 I received another phone call from the same company.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXXXXXX for account # XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

There was a double charge for XXXX  and two pair where sent when I only ordered one. The company said they were looking for the XXXX  for months while I was waiting for my money back my phone was turned off 4 times with late fees. A lady said she would remove the cost of XXXX and the fees and would call back but never did. In the meantime due to their customer service I changed providers. The bill was place in collections with the late fees and XXXX  attached. The company refunded the XXXX  when I called because they found them but they did not deduct the fees like promised. I was waiting on a true final bill but they missed the ball here and reported false information.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Experian explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 
Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report and the potential impact it may have on my financial standing. 
I did not receive a response back from Experian with the investigation results. 
I believe that Expreians failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Experian, must promptly investigate any disputed information and promptly respond to consumers. 
Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 
Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXXXXXX responded to my request for removal of inaccurate reporting. Their response stated that the account was sold to a company by the name of XXXX XXXX. There is no such company listed on my consumer report, however XXXX is listed on my report as a collection. This account needs to removed as I do not have a debt with XXXX nor do I have an account/debt with XXXX XXXX. XXXX has made false and misleading statements which is a direct violation of 1006.18 CFPB. Also, if the account was sold ( creating a charge off event ), I should have received a 1099C ( I never received one ). When a 1099C is issued, I would have became responsible for income generated by the cancellation of such debt. If I am responsible for the income then that would mean I can't owe a debt and pay taxes on the income of that same debt. It appears that XXXX operates fraudulently and doesn't mind violating consumer laws.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 report ... agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency n. make any consumer report containing any of the following items of information Any other adverse item of information, other than records XXXX 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Since filing a dispute with Experian this month... .I have been unable to access my consumer report and their automated system claims there is a problem with problem with the system, however, I have been unsuccessful in reaching an agent or customer service representative by phone
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-04-17
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. (NY)

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 XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I would like a full investigation and also delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Per the FCRA, I requested proof that the information was verified. XXXX XXXX XXXX XXXX XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my credit file. Thank you for your time and attention.
Consumer complaint received 2023-04-25
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-12-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As relief from the Country Wide loan fiasco. Bank of America purchased the 2 loans and placed me on an interest only loan. I applied for a modification in 2009. It was completed and I was placed on a step rate loan. ( fixed rate ) the HELOC was sold and the first modified. 
After 2 years amount increased per schedule, BUT was to cap at 4.5 %. Loan continues to increase. Nothing going to principal. B of A changed the loan to a jumbo Arm loan. I did not agree to another interest only loan. No other lender will touch it. Now Im upside down on the loan. I am stuck with 2 loans. I applied for a modification/ denied. Did not qualify. How is this helping me?. I was told by B of A to do a short sale. I have never been late or missed s payment since 2009! I dont want to sell. I have made multiple improvements, upgrades landscaping etc. XXXX XXXX a month is ridiculous. If I could afford that amount I certainly would not live here. Id live closer to XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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 reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, and DEPT OF EDUCATIONXXXX XXXX XXXX Please remove these fraudulent accounts ASAP.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (GA)

On XX/XX/2024 I transferred {$610.00} to a friend using WorldRemit. Its been 12 days and WorldRemit hasnt paid the recipient. The times I reached out to them by phone ( 1x ) and chat ( 3x ) I have been told that they are contacting the local partner and to wait 24 hours. Its been 12 days since I made the transfer and every time I reached out to them, they say they are trying to contact the local partner. The recipient reached out to her bank and was informed by email that the transfer was reversed the same day it was sent.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2024, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on Experian. Institutions included XXXX, XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. I contacted Experian for more information regarding the fraud, cancelled all accounts with Experian, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a XXXX freeze was placed, more credit inquiries were found, and then following that, an XXXX freeze was placed. The other inquiries found were a XXXX XXXX / XXXX XXXX XXXX and a XXXX XXXX / XXXXXXXX XXXX credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX XXXX  and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.