davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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. (TX)

I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to Amazon/synchrony bank was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, Synchrony bank and then XXXX XXXX  reported the same debt at the same time. But XXXX XXXX  aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. XXXX XXXX is showing it as XX/XX/XXXX in order to attempt to collect. Synchrony bank original negative report has since dropped off my credit history but XXXX remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to XXXX XXXX  and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I have had a checking account, and later a savings account, with JP Morgan Chase Bank for about 8 years. I protected my money by obtaining overdraft protection for my checking account. I have saved for my first half property taxes and was able to pay it by the due date. 
Around XX/XX/2018, Chase decided, without my permission, to change my savings account into a checking account, effectively cancelling my overdraft protection. I pleaded with a bank official in the home office to restore my savings account as I didn't want 2 checking accounts and I was now vulnerable to overdraft fees of {$34.00} per transaction. He refused. Since then, my savings have been steadily depleted by overdraft fees, none of which was the bank willing to forgive. About {$470.00} is gone so far. I am coming up short on my property taxes, I don't know if I can raise the shortfall.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (AL)

on XX/XX/XXXX, i sent XXXX XXXX XXXX letter regarding the alleged debt of {$8100.00} that i do not owe and i haven't receive anything.I sent another letter on XX/XX/XXXX to them requesting information with the same concerns and they haven't replied.this inaccurate item is damaging my credit and stoping me from getting a house.I have attached copies below of the letters that i has sent.
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My mortgage company ( Myloancare.com ) Loancare LLC, was supposed to send a check to my insurance company ( XXXX XXXX ) for my homeowners insurance. The check was in the amount of {$3200.00}. However XXXX XXXX claims they never received the check. When I spoke with Loancare they claimed they sent it and they didn't know what happened to it. In the mean time, my insurance was going to be canceled so Loancare told me they would take another {$3200.00} out of my escrow to pay the insurance. I said, why doesn't Loancare take it out of their account since it's their mistake. Don't they have insurance for this??? They told me if I didn't pay it my homeowners would be cancelled. I want Loancare to assume responsibility for losing my escrow money. I should not be charged for their negligence.
Consumer complaint received 2022-08-23
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. (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MN)

Fed Loans and US Department of Education haven't provided original documentations when asked by the three credit bureaus ( XXXX, XXXX  and XXXX ). I submitted three disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX  has since removed these account from my file but it still remains on my XXXX and XXXX credit files. In the documents attached below, you will see when I first submitted my 609 letters and when XXXX  removed US Department Of Education file, but Fed Loan/USDept services remains on my accounts on XXXX  and XXXX. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.
Consumer complaint received 2022-10-14
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnisher and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditor did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below 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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC (CA)

This is the second time I have had to file a complaint with Clesr One Advantage and or XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX. 

They have called me before while violating a huge compliance violation while not disclosing that it was me they were speaking to and began to discuss my account. 

This was supposedly handled by XXXX I believe his name was and he was the ONLY kind person Ive dealt with, but only because I feel he had to be. Nevertheless, they constantly badger me to pay more to settle with XXXX XXXX. I have told them time and time again that I am a single mother, working full time from home while watching my daughter. HINT HINT I can not afford a babysitter let alone more money for a settlement. I have been with this company for about half a year or more and I am EXTREMELY dissatisfied with these companies and their lack of reading notes. 

As someone who has worked in and currently works in Compliance for a financial institution, I can only XXXXmagine their compliance violations pertaining to EFTA, UDAAP and so on.
Consumer complaint received 2020-02-06
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: BARCLAYS BANK DELAWARE (MD)

Good morning, I have a fraud charges I reported on my XXXX  rewards visa card ending on XXXX. I have charges internationally from XXXX XXXX and one for an airfare they were saying that may email and passport confirmed the air ticket for my family members but even my family members did not go out of the country those dates. My email and passport and compromise. I have sent XXXX fraud department a copy of police report, my attendace sheet at work, and other supporting documents but still they are still not giving me a fair decision. The fraud claim amount is around $ 700.xx. Can you please help me with this situation.
Consumer complaint received 2021-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.
Consumer complaint received 2022-10-14
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. (TX)

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 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 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 2022-10-14
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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. (GA)

On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 
In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My Protected Consumer Rights To Privacy And Confidentiality Under 15 USC 1681.

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 ) : 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 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I have been banking with Citibank for the last 3 months. I am on a fixed income and have my benefits direct deposited into my account. When I signed up, I had just applied for the regular access account. After being with them a few months, I upgraded my account to Citi XXXX account. I've never had any issues with my account. I made a mobile deposit around the XX/XX/XXXX. I went to check my account the following morning, it was blocked. I reached out to the bank and to find out the my account has blocked and needed to speak to someone in the Fraud department. This conversation which lasted 2 hours and 45 min with no resolution. I had spoken with the 4 people in this department and they stated that the funds would be sent back to XXXX. As of XX/XX/2021 Citibank still has my funds. I have not been able to pay any of my bills. The only resolution they are giving me is they will mail a check within 15-60 days or I can go into a branch to receive my funds. I currently reside in TN and the nearest branch is in IL or FL.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

XXXX XXXX is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Consumer complaint received 2021-09-05
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: WELLS FARGO & COMPANY (TX)

I was notified by XXXX  that an account I had with Wells Fargo/XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by Wells Fargo about this account nor had I in any way requested the account be closed. I then disputed Wells Fargo 's claim via XXXX  and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that Wells Fargo has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If Wells Fargo can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.
Consumer complaint received 2021-01-15
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: Paypal Holdings, Inc (PA)

My Visa statement shows a {$200.00} payment to PAYPAL *XXXX XXXX for {$200.00} on XXXX XXXX, 2020. 
This donation was for an organization I have supported, but the amount is usually for {$100.00}. 
I question the legitimacy of this charge for 3 reasons. 1. The amount is not the usual amount of my donation. 2. I have not received the usual acknowledgement of my donation. 3. On the XXXX ( the organization I intended to donate to ) web page, there was an area with a " donate '' icon and 4 credit card icons. When I clicked on the donate icon I was transferred to the PAYPAL XXXX XXXX site. I foolishly entered my information and made the donation. 
I have been in contact with PAYPAL and the XXXX XXXX and they give me no assurance that the donation went to the charity. 
I've since " XXXX  '' XXXX XXXX and see that it has a reputation for fraud.
Consumer complaint received 2021-09-05
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: EOS Holdings, Inc. (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XXXX  was billing me {$14.00} XXXX  XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. XXXX  then locked me out of my account. XXXX  was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from XXXX  or any similar service.
Consumer complaint received 2022-01-07
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. (GA)

Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.
Consumer complaint received 2021-01-15
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: JPMORGAN CHASE & CO. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.