davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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 the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CO)

Grant Mercantile ( debt collector ) listed that I had a unpaid debt that was on my credit report from an XXXX XXXX who used my information fraudulently. The Unpaid debt that had a negative impact on my credit report was for an XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$2600.00}.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

This is a second complain to the previos one with the number XXXXPlease read previous one for the whole story/details. 
Wells Fargo says that PIN was used in the fraud but checking it personally out and talking to the gas station personel PIN can be bypassed at the pump.We took pictures how you can BYPASS the PIN. 
In Washington State almost all the pumps have the BYPASS PIN option when you are using the gas pump and pretty sure that even the person that reads this complain is aware of the BYPASS option. 
Wells Fargo claims that the person that used the debit card entered a PIN.Why would someone enter a PIN or try to enter a PIN when you push the BYPASS PIN button when you have a cloned card? or whatever they used to fraud our card/account. 
We went at that gas station and we took pictures of the BYPASS PIN option. 
Wells Fargo refuses to pay the claim and they are lying that the PIN was used. 
PIN was BYPASSED. 
Please investigate this.Wells Fargo has a very bad reputation and its very well known that they are constantly lying and refuse to pay claims. 
The bypass pun option was used with multiple debit cards plus Wells Fargo and its a option fir all the debit cards.Please call the gas station and the staff there will confirm that.Thank you
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I have reached out to all the credit reporting agencies such as XXXX, XXXX and Equifax and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the XXXX of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Summary : Citi closed my account without my permission. All bills are paid on-time. I called on 3 separate occasions after the Citi CSRs break their commitment and failed to follow up and call-back. Day-by-day details below : Friday - XX/XX/XXXX - I called to inquire about my Citi Prestige annual fee, and asked if Citi has any retention offers or willing to waive the annual fee. The CSR responded by saying no such offer is available. I thanked her and mentioned I would like to use up/redeem my Citi Thank You Points online prior to deciding to close the card, and if I decide to close the card, I would call back. 

Sunday - XX/XX/XXXX - I logged in to citi.com, realized my credit card has been closed, and I no longer have access/ability to redeem my Thank You points. I called the 1800 number, however the CSR told me that she would have to pull the call history to prove that the agent had closed my account without my approval. The CSR mentioned she would call me back on XX/XX/XXXX at XXXX XXXX XXXX. 

Wednesday - XX/XX/XXXX - The CSR never called me back, and I called the 1800 number again. I was informed that the call still had not been pulled, and the CSR would call me back on XX/XX/XXXX at XXXX XXXX   XXXX. 

Thursday - XX/XX/XXXX - no call back from the CSR, I called Citi again, was on hold for a good 20 minutes, and again, same explanation as the other CSRs - they need to pull the call record, and they have not been able to do that. This CSR told me the process to pull a call record takes up to 10 business days. I have also asked if there is a way to escalate this issue, and was advised no such option is available.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (HI)

My name is XXXX XXXX, born XX/XX/1975, with mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Someone seems to have created an account on your site, frauding as me, and has changed my age from XXXX to XXXX online, and destroyed my credit. 

I have sent credtified letters, and called many times. Your team does NOT help. They are nice, but repeat same double talk. 

I dont know who created the account, with what email, but they have ruined my life
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

Self Financial Bank XXXX XXXX This company to include XXXX has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # 1. Self Financial is a credit card builder company. they do not have auto loans. # XXXX I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # XXXX this has determented my life!!! I can not get a XXXX i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WA)

Last Friday - XX/XX/XXXX - XXXX was notified by Paypal, via email, that my account had a probably fraudulent transaction on it. Here 's the wording of the message. 
-- -- - XXXX XXXX sent you a money request NOTE FROM XXXX XXXX : We've detected that your PayPal account has been accessed fraudulently. If you did not make this transaction, please call us at our Toll-Free number XXXX ( XXXX ) XXXX to cancel and claim a refund. If this is not the case, you will be charged {$440.00}. XXXX today within 2 hours of receiving this email. This transaction will reflect on your PayPal activity after 24 hours. Our Service Hours : ( XXXX XXXX. to XXXX XXXX  XXXX XXXX, Monday-Friday ). 

Payment request details Transaction ID XXXX Transaction date XX/XX/XXXX -- -- -- -- I called XXXX ( XXXX ) XXXX, which directed me to a 'tech support ' phone bank, likely in XXXX XXXX 

Their 'tech support ' directed me to install an app called XXXX, which gave them control of my computer. They acknowledged that they owed me a refund, but required me to fill out an electronic form that linked them to my bank accounts. I was then directed to apply for a {$450.00} refund, but when I typed {$450.00} in their scam form, it became {$45000.00}. I saw that those transactions were posted to my bank accounts. At that point, I suspected fraud, reported it to my bank on my other phone. The criminal heard it and hung up. 

My bank voided the transactions and explained that the {$45000.00} transaction was actually the criminals transferring {$45000.00} from my XXXX XXXX account to my Checking. 

This is internet fraud at its worst, and it appears that Paypal was directly involved.
Consumer complaint received 2022-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I spoke with XXXX today at XXXX CST letting her know that i received a letter from XXXX XXXX XXXX/XXXX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XXXX/XXXX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. XXXX needs to remove all of these accounts immediately.
Consumer complaint received 2022-07-29
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the XXXX XXXX when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.
Consumer complaint received 2022-09-24
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)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-20
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. (IL)

I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I tried to pay off my Synchrony credit card in full and got a notification that the payment was accepted. Then later noticed autopay was still set, so I logged into my account out of curiosity. I found out the initial payment was returned. And the autopayment was declined. I saw the account had been closed, and there was never a notification or mail received to notify me. I called and was on the phone for an hour and a half. The reasoning for closing the account kept being changed. No solution was found, and they will not reopen the account. I called my debit card company, and they never had an issue with the account. And they confirmed that there was enough money to make the payments to the credit card. I need help due to never being given the chance to fix the problem. The credit card company placed my account in delinquency due to the payments not going through, and they are blaming my debit card bank. The account took the money, but returned it, both times. We have pictures as proof for sufficient funds. How can I fix this?
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NEW CITY FUNDING CORP. (NY)

On XX/XX/2022 XXXX XXXX XXXX and XXXX XXXX signed a contract. We did read the contract everything seemed to be okay. We're weren't able to ask the finance XXXX to many questions. However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with 15 USC- finance charge the consumer credit contract gives a definition I wasn't fully aware of what the finance charge was suppose to entail. The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. New City Funding failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX. Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. New City Funding consumer failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by mikes auto sales, New City Funding would not accept my credit application unless I had a down-payment. One more violation New City Funding Presented they threaten to garnish my wages seized property under FDCPA section 807 they do not have the right to do that and it is a XXXX fine.
Consumer complaint received 2022-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

This is a repeat issue - CFPB complaint # XXXX Original issue : Multiple times I have electronically disputed a debt with CAPITAL ACCOUNTS regarding An account they clam to be " Account XXXX '' The most recent attempts were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The last two I took the step of uploading the credit card statement where I payed the Dentist they represent in person. Yet they have not removed or ask for any more info ( Don't know what the info would be since the Dr 's name is listed and it is the amount owed + some late fees )
Consumer complaint received 2022-09-24
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)

This complaint is to inform the CFPB that as of today, The Equifax 's e-Oscar web based automated system which enables data furnishers and the credit reporting agency to respond to consumer complaint has been unresponsive to my various requests and complaints. In regards to the following accounts ; The XXXX XXXX XXXX Partial account number XXXX The XXXX XXXX XXXX Partial account number XXXX XXXX XXXX. partial account number XXXX. 
Due to the remarkable amount of data breach with this particular consumer reporting agency ; I have found it very necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutions of companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing, The law also states that a privacy notice must be provided when a costumer relationship is established. and costumers have the right to opt out and there have been no changes in previous policy notice. This company has failed in respecting my rights regardless of my complaints submitted on XX/XX/22 complaint number XXXX and my initial complaint on XX/XX/22 number XXXX,.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

The mortgage company applies the majority of my payment to interest and very little to principal. According to my XX/XX/XXXX XXXX statement, my payment was {$600.00}. {$200.00} was applied to the principal and XXXX was interest. Some months Chase charges for escrow although I pay my taxes.
Consumer complaint received 2022-09-24
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. (PA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous of times. I demand the accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (NY)

For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. XXXX refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( XXXX ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, Equifax reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and XXXX  reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (WI)

Up until XX/XX/XXXX statement, my interest rate was 16.49 %. XXXX statement it was increased to 16.99 %. XXXX statement it was increased to 17.74 %. 

On XX/XX/XXXX, I called Chase to complain that my interest rate had been increased without notice to me. They stated that they didn't even see my rate at 17.74 % and they showed it was even 18.49 %. I was transferred to a XXXX, XXXX. She said a letter was sent to me on XX/XX/XXXX that was mailed separately from my bill. She was going to have this re-sent to me. I also closed the account on this date. On XX/XX/XXXX, I received an email stating I had a letter, but when I went to my account online, there was no letter. 

The XXXX statement did show an increased interest rate again of 18.49 %. XXXX statement showed another increase of 19.24 %- on a CLOSED account! I also closed it when the last statement was at 17.74 %. 

On XX/XX/XXXX I called Chase again to inform them of this. It was confirmed that the account was closed on XXXX. I was also told that they have no control over XXXX, that I wasn't allowed the contact information for the department that is, and that the XXXX is subject to review XXXX time every 6 months. I requested all correspondence to be re-sent to me from the past year but they said they couldn't do that. She would request the last letter to be re-sent to me again. I received that in the mail, dated XXXX but with no explanation as to why they are continuing to increase my interest rate, nor did they send me proof of having ever given me a 30 day notice. In fact, my XXXX statement shows another increase to 19.99 % interest!