davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 an 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 or 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 2016-11-30
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: United PanAm Financial Corp. (CA)

They called at XXXX. They know I do not stay in the XXXX XXXX where the time is the different they know I moved to the XXXX XXXX last year but they keep I asked the woman did she know what time it was she said XXXX and I told her it was XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC. (TN)

Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. 
I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2022-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had 2 hard inquiries from Capital One Bank and one more from XXXX XXXX XXXX I do not have accounts in Capital One bank neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around 11 years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an XXXX card in good standing and enough credit amount so I have not asked any credit increase or loan to XXXX neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

Back in XX/XX/XXXX I was admitted to the hospital and was there till XXXX XXXX XXXXXXXX. Upon being in the hospital I lost my phone my wallet including my debit card during this time my card was used unauthorized and numerous transactions were done using my card. I didn't authorize them. Upon hearing this I notified chime about it and filed a dispute with them. Couple hours later they denied my dispute without doing a investigation. In XXXX I filed a rebuttal and provide them a doctor 's note proving i was in the hospital and once again two hours later they denied it again and didn't do a investigation. XX/XX/XXXX I filed another rebuttal this time providing a sworn statement from the person that did the transactions, and the doctors note and a police report and investigation and once again they denied it without doing a investigation. I have provided them more than enough proof to prove that I was not the one that did these transactions and they still refuse to do anything. All I want is a fair investigation and my money back. They don't do anything when I filed three rebuttals. And yet still nothing gets done.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am reaching out to report a Fraudulent Credit Card account with Bank of America ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files. 
This account was not opened by me and I never consented to a Credit Card with Bank of America. I called Bank of America regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at Bank of America. Bank of America informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX XXXX XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you! 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (OH)

I once had an open account with FIrst Progress Credit Card Company which was a secured credit card. The account was closed XX/XX/XXXX. At the time that the account was closed there was not a balance owed from me to the credit card company. There was a {$0.00} balance which means the credit card company must refund me my deposit of {$400.00}. I reached out to the company and was told that I would get the refund by mail in 70 days to 10 weeks. That time came and went and I have not received my refund yet. I have reached out to the company several times through phone calls and I have even sent them a fax requesting the refund on XX/XX/XXXX. I called XX/XX/XXXX was told to call back in 1-2 days to see if the request was updated. I havent been able to speak with no one that can really help me resolve this issue. Today is XX/XX/XXXX and I still havent gotten my money back and I need some one to help me resolve this issue because clearly the company is playing games.
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from equifax and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to equifax exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Equifax to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to her that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Equifax. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Equifax be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc. (IL)

On XX/XX/2021 notice was sent to Online Information Services to cease and desist reporting a fraudulent account on my consumer profile. Since that date, they have continued to call and harass me as well as continue to report on my consumer profile. They have provided no contract between myself and their company. They have not provided any proof that I have cause their company financial harm or loss in anyway. This company is attempting to commit fraud and other people should know about their illegal and harmful business tactics.
Consumer complaint received 2022-02-07
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. (TX)

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services - Employer : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

my father recently passed, I contacted Chase, his mortgage holder to advise them of his passing and I wanted to discuss possibly short selling. I offered his death certificate and our estate affidavit so they could discuss his loan with me, I was told not to send that but rather they said they would not discuss anything with me until I signed a PROPERTY TRANSFER RECOGNITION AGREEMENT, which makes me responsible for his debt, they will not discuss anything with me until I agree to assume his debt. I have attached a copy of the XXXX pages they sent me, of note is starting on page XXXX
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc (FL)

I was approved for an opened a Chime Credit Builder account XXXX on XX/XX/XXXX. Shortly after I received notice that my last name did not match IRS records. I did my due diligence to complete the necessary forms per Chime request and send into the appropriate department. I was advised that everything was fine. Months later I attempted to request a new card for this account ending in XXXX. I was told that this account was closed, and I had PERSONALLY requested. I wrote to Chime and told them that this was a lie. Chime confirmed that I had in fact NOT requested this account to be closed but NO ONE could tell me why the account was closed. I call again for a XXXX time on XX/XX/XXXX where a nice rep assisted me to the best of his ability. He contacted an escalation team that literally looked at my account for 30 seconds and said, " it's impossible to re-open ''!!! This is a horrible way to do business. First you close my account without my permission. Then your " investigation '' team does ZERO investigation to assist me. I want my credit builder account to be re-opened and I DO NOT want to hear it is impossible to do!!!!
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

Citi Bank is charging me for fradulent charges. They had previously removed the charged but they have returned to my account. I had already provided them with the postmaster 's case number from when the our XXXX XXXX was XXXX XXXX and our XXXX XXXX XXXX. I have attemped to report this issue to them several times. 

The company is claiming that the card was embedded with a chip and therefore they claim that the charges were liget but I had previously explained to them over the phone that it was a resolt of XXXX XXXX and I provided the postmasters case number.
Consumer complaint received 2022-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (UT)

Mid-American Mortgage company required people to send in checks. They were sent in on time, they were not cashed in a timely manner, and when they were cashed, their automated system had already added late fees. XXXX is correctly updated after many hours of phone calls, but XXXX and XXXX was not. 

Here are the checks that I sent in XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} : XXXX XXXX, but have bank statement XXXX : Wire transfer Texas XXXX XXXX  XXXX XXXX Amount : {$1500.00} We closed the house in XX/XX/XXXX, but they charged me for that month as well and will not remove it. 

The issue has been me trying to get into rent or a home and their inability to update reports, make me jump through a long drawn out process ( prove to us you paid us ) and their departments lack of desire because the account is paid off and closed. Is now hurting my ability to move forward.
Consumer complaint received 2021-05-21
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. (PA)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions or concerns, you can contact me at XXXX XXXX XXXX.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MD)

My husband was issued an Amazon.com rewards visa from Chase bank that he had not requested. They would not give us any info on how the fraud was committed and were extremely reluctant to cancel the card. First I tried to call to cancel, but they said it had to be done by my husband. When he called, they refused to cancel it. They said it was now " under review '' and they would call him back later. First, why would n't they cancel it, second, if they wanted to conduct a review first, why could n't they tell me then ask for his info to call back to finalize. They wasted my husband 's time ( 25 min to get that answer ) and wo n't act on cancelling a fraudulent account.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.
Consumer complaint received 2023-03-16
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)

n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, PXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.