davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Was diagnosed with XXXX  and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Consumer complaint received 2017-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I recieved written correspondence by mail that ambiguously said to call their XXXX number to discuss matters regarding my account ending in XXXX. I call, because it did n't say what it was about but I knew I had existing fraud claims. I spoke to the agent, referenced the letter and asked if it was in regards to my open fraud case. She stated no. That it was an offer to raise my credit limit and asked if I wanted to take advantage of the offer. Every increase was done without my requested permission so this was new to me. I specifically asked if it was going to put a hard pull on my social. She said no, that it was an offer for an existing account. I explained that if it did, I did NOT want it as I can not have any more pulls and do n't really need an increase in limit, that I planned on purchasing a new car in coming months. I was reassured ( all on recorded lines that I 've played back and listened to! ) that this was not the case. She asked how much of an increase I would like ( again, another first ). I said I did n't really care. She threw out some numbers, went with the lowest. She then told me I would get written correspondence in the mail regarding the increase ( which sounded fishy ). Not an hour later I get multiple alerts on my credit for a new hard inquiry. I waited a few days to see if it would fall off out of error, it did not. I called the customer service line and they assured me it was not an offer, that it was about my fraud claim, and that they would remove the hard pull. They have n't, it is still showing!
Consumer complaint received 2017-10-15
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: Innovis (MO)

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.
Consumer complaint received 2017-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC (LA)

The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have issues with XXXX auto finance. I am current with my payments now and they have shown improvement in my report with TransUnion but I was under the impression they remove negative credit report when reason no longer applies.
Consumer complaint received 2017-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (NY)

I had just submitted a complaint about XXXX credit reporting agency I am uploading the documentation that proves they are reporting a chapter XXXX bankruptcy on my credit report for XXXX XXXX XXXX XXXX when I never ever filed for chapter XXXX I want this removed off my credit report
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NJ)

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid 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. (PA)

I made a purchase from XXXX for a speaker for {$41.00}. This website is a scam website. I was charged via XXXX by a completely unrelated person. They provided a tracking number which delivered a package to an address not mine. I disputed with Chase. Chase sent me a letter stating that the package was delivered to my address because the scam merchant sent them the tracking number. XXXX confirms the package was not sent to my address or have anything referencing me. 

I contacted Chase about this. They said, Oh, well you can redispute it if you like. They could not answer why they sent me a letter saying this package was delivered to my address when XXXX confirms it was not. Chase did not do proper research in this issue. Chase needs to charge back this scam merchant and give me my {$41.00} back.
Consumer complaint received 2022-12-19
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: MoneyLion Inc. (TX)

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have been banking with Chase for many years. 
Several months ago, I set up a XXXX account THROUGH CHASE. 
When I set up the XXXX account, I created only ONE recipient, my landlord, XXXX XXXX, which was linked to his XXXX ADDRESS. 
For several months, I successfully transferred money to him through XXXX to pay my rent. 
On XX/XX/2022, using XXXX, I transferred {$2000.00} to XXXX XXXX for the XXXX rent. 
The next day, XX/XX/2022 I transferred {$1100.00} to him to cover the remainder of the XXXX rent. ( The total rent every month is {$3100.00} ) On XX/XX/2022, I received an email from XXXX XXXX saying that he NEVER RECEIVED the money I sent via XXXX. 
I checked my checking account at Chase and saw that both payments, totaling {$3100.00} had been taken out of my checking account. 
Then I discovered that someone ( NOT ME ) had created a second ( phony ) XXXX recipient. 
This second recipient was also named XXXX XXXX but it was linked to a PHONE NUMBER. 
This phone number is the SAME as my landlord 's phone number except for one digit. 
As I already mentioned, the one recipient I created was XXXX XXXX and it was linked to his XXXX account, NOT his cell phone. 
So, the questions are : 1 ) WHO got into my Chase XXXX account and created a second ( phony ) recipient? I repeat, IT WAS NOT ME. ( Is it possible that XXXX XXXX did this? ) 2 ) WHO received the {$3100.00} I sent for XXXX, 2022 rent? 
SOMEONE received the money. 
3 ) HOW did someone get into my account to create a second recipient?? 
I have spent HOURS on the phone with both XXXX and Chase. BOTH blame the other. 
Neither Chase nor XXXX have offered any information, nor have they refunded the stolen money. Neither have attempted to identify the thief. 
Allegedly, Chase carried out an investigation ( at my request ) They concluded that there was no evidence of fraud and offered no information about the so-called investigation. 
I already filed a complaint with CFPB against XXXX. XXXX responded that I need to take it up with Chase. That is why I am filing this complaint.
Consumer complaint received 2018-01-10
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: EQUIFAX, INC. (WI)

I am a victim of the breech and also a victim of identity theft. before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like these to be removed from my reports. 

XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2022-09-09
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. (MI)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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 an account without my written instructions
Consumer complaint received 2022-09-09
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. (MI)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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 an account without my written instructions
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MO)

I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. 

Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. 

I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. 

On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX   on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. 

XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the bank.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

This is my complaint. The company is XXXX XXXX XXXX, a debt collections company. I owed a bill, which I was not even aware of until it showed up on my credit report. I paid the bill On XX/XX/2020. I was told that it would be reported to the credit bureaus within 30-45 days, and that it would also be removed. I have made several calls, spoke to several reps, and supervisors, which, I have names, dates, and times, and NONE OF THIS HAS BEEN DONE!!. I keep being told that they sent a letter in XXXX, however, I have checked my credit report bi-weekly, and it has not been reported at all. Please assist me in this matter, or give me some direction as to how to get them to do what they are suppose to do. Thank you in advance. The amount was for {$300.00}.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX, I disputed multiple fraudulent charges from a merchant called XXXX. Someone had used my digital card number and I had to get a new one. There were multiple charges {$130.00}, {$550.00}, {$840.00}, {$1100.00}. The only charges that got approved were {$550.00} and {$1100.00}. Apple Card Goldman Sachs refused to credit my account for the {$840.00} and {$130.00} despite them being the same charges from the same day and merchant. I appealed the decisions and on XX/XX/XXXX I was told that the merchant already gave me a credit and that I authorized one of the charges. This is not true. On XX/XX/XXXX, I have message evidence to prove I requested the evidence documentation. As of XX/XX/XXXX, they never provided me with the merchant documentation. They are making claims without providing any proof of them. They are charging me for fraudulent charges even though I didnt authorize them and I have provided evidence that it was not authorized.
Consumer complaint received 2022-09-09
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. (OH)

In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.