davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-06-16
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (LA)

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 XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXperian, XXXX XX/XX/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.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Municipal Collections of America Inc. (VA)

XXXX from XXXX XXXX XXXX XXXX ( XXXX ) XXXX  IL XXXX   called me on XXXX2018 claiming there was a parking ticket for an address I haven't lived at for years.

I told him I never received a parking ticket, and he told me he was reporting me as refusal to pay and hung up. I called back hoping to get some proof of the debt but he refused and hung up again.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00}
Consumer complaint received 2023-06-16
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (AL)

Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
Consumer complaint received 2023-09-05
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: JPMORGAN CHASE & CO. (TX)

Hello, I have previously filed a complaint # XXXX, with your agency in regard to Chase Bank NA . 

After the complaint I received further communication via mail and phone that indicates that the amount that was previously offered to me months back is not the same as of today XX/XX/2023. I believe that Chase is retaliating towards me for my initial complaint to your agency. 

Chase actions are predatory and deceptive and cause emotional stress to me in so many ways. I am a XXXXXXXX XXXX  recipient and XXXX on a fixed income from the Social Security Administration. Now theyre attempting to resolve a debt at a higher amount that was previously offered to me several months ago. 

Chase Bank, NA responded back on XX/XX/2023, and they stated that deny any violation of any alleged laws and that they take complaints and claims of discrimination seriously. They also mentioned that they do not tolerate any form of discrimination as it is strictly against their policy and corporate culture. Well, I investigated and discovered 72 Federal Civil lawsuits under Americans with Disabilities act. 

When I reached out to you months back, they offered me for account # XXXX {$4600.00} for the alleged {$46000.00} and now theyre offering me {$11000.00} to settle this alleged debt. 

On account # XXXX they are offering the same amount XXXX for the alleged {$37000.00}. I called their XXXX XXXX XXXX and did not get anywhere with the representative that took my call. 

Chase Bank, NA is predatory and deceptive business operation, and the US Department of Justice is aware of their practice of business. What compassion do they have to any consumer who goes through a hard time? I know there is a consumer violation that is being violated by Chase Bank and this would not be the first time they have been cited in the past from consumers. 

XXXX XXXX impacted my life as well. I had many XXXX XXXX with the XXXX XXXX. My medical records will be provided for your review. 

I request your agencies to investigate this matter a second time. My next step is the Department of Justice. 


Thank you, XXXX XXXX
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NM)

I have an account w Barclays through Jet Blue ( XXXX ). I have tried to contact Barclays numerous times to close the account. Every time I call the main number I and inform them I want to close my account the call is transferred and then I am put on hold for a long time, and then the call drops. In effect, the bank has set up a system that precludes consumers like me to close a credit card account. This should not be allowed. 
In the meantime, the bank continues to contact me about the annual fee of {$99.00}. But once I cancel the account I will not owe the fee.
Consumer complaint received 2023-09-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient Student Loan Servicer could not locate my account due to the fact that the account had the wrong social security number attached to my account. I was told that " I did not have an account with them. '' I am not sure if this is why I could not get loan forgiveness ... ..the fact that my " account did not exist. ''
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

I was a Wells Fargo customer. They switched my account to a different type of account after a year then began to charge me monthly fees on both accounts. This resulted in my moving to another bank but not before I was hit with tons of over draft fees and a account closure notice.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (CA)

There are errors in reporting in my Equifax credit report violating reporting standards according to Metro2. I sent a letter to Equifax over 30 days ago on XX/XX/2022 and have not received any reply or any action taken on their part.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I opened an account with Citibank and deposited {$50000.00} in XXXX, I wished to wire transfer out {$45000.00} to another bank account and my account was frozen. I went to the bank and spent an afternoon to unfreeze my account over the phone, then I asked my bank ( Citibank XXXX XXXX ) to do a wire transfer for me, within an hour of the wire transfer my bank account was frozen again, this time they asked me to wait for a letter from them, and after I saw the verification code in the letter, asked me to contact them again. Two weeks have passed and the letter still hasn't arrived. Also the employees of the branch are not answering my calls this week. i am being unjustly denied access to my money.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NV)

I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. 
since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 
1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. 
im XXXX XXXX XXXX and live on social security. 
this cant keep going on or I will file for bankruptcy
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

My car was totaled by an uninsured illegal immigrant who broke my ribs and destroyed the functioning of my back and neck. He hit me at XXXX mph as I pulled into my bosses driveway to go to work. I have a video, police report, all the above. The man then left the country making for an extremely, slow financially and physically debilitating process. I had to use my insurance and pay everything out of pocket, 40 physical therapy sessions, xrays, multiple dr visits, a rental car, and more. So I finally get some relief in my body and am able to move again and go to look at purchasing a car labor day weekend. They run my credit and the salesman comes back to me and says " prestige your finance company has done you very dirty they have your car down as repossessed '' I was like no it was totaled they got a $ XXXX check from my insurance company they cashed they got money back from me cancelling my extended warranty I am just waiting on GAP who has all the info they need they just need to process it. I contacted prestige mon, tues, and wed trying to get some answers. They dont have any for me and my so called file manager will not speak to me either. I ask how can a totaled car be repossessed when youre being payed for it? Something about well we got it back then resold it. Oh so you got more money for it too?? No answere. You still arnt answering my question why does it say repoed on my formal credit and why wont this lady speak to me? Response is I cant speak to a human on the phone I have to send an email. So I did that, which im sure is a run around game. I need it explained to me how this car can be listed as repoed when it was totaled by someone else mind you and has been 3/4 paid off and will eventually be fully paid off. This has cost me almost everything and now its destroying my credit somehow too? Someone please help me fix this.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (WA)

Called Nordstrom TD Bank XX/XX/2023 to inform them that the account was opened under my name, but not with my authorization. They said that they would freeze the card due to the fraudulent application. They confirmed that the account was opened using an address other than my own. 

I also contacted XXXX on the same day to report the fraudulent activity and put a freeze on my report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. They advised that I place a report with FTC or police.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I tried to open bank accounts but I was told someone open account in my name and I provided police reports supporting that fact I never did so when I try to open bank accounts they saying I cant I try opening accounts with chase, XXXX  XXXX, XXXX and they told me Im high risk cause of fraud of previous accounts I never opened and gave police reports to prove that it wasnt me and they still declined me from opening an account
Consumer complaint received 2018-04-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have contacted both XXXX and XXXX  regarding Capital One Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
Consumer complaint received 2017-11-27
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. (FL)

A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.
Consumer complaint received 2023-06-13
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. (VA)

XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 XX/XX/2022 XX/XX/2022 I've sent driver 's license and social security card. 
I've even called and tried to get it corrected.
Consumer complaint received 2023-08-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (NY)

F AY SERVICING, XXXX XXXX XXXX and their attorneys ( XXXX XXXX XXXX ) are attempting to fraudulently foreclose on my property without original promissory note although the alleged mortgage debt is beyond New York State six- year statute of limitations further the law ( UCC 3-804 ) states in order for a party to sue they must prove ownership. Which was the primary reason this case was dismissed previously, which means they must be able to provide the original contract / note. 
However they provide a document / combined note which again must be supported by the original contract therefore is a nullity used for the basis of their fraud.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DFC Global Corp. (HI)

I have been notified via email with XXXX XXXX that there's a hard inquiry that will disappear in two years time frame. When I signed in and verified what this information is about. I have found Money Mart? in XXXX of 2021 was done somewhere in PA? I have never been wherever XXXX is? I'm in XXXX. XX/XX/2021 is during covid restrictions. I have not and never been to P.A
Consumer complaint received 2024-03-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (FL)

I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.