davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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: BARCLAYS BANK DELAWARE (TX)

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Barclays credit card in the last 6 months. So Barclays Inquiry on XX/XX/2022 is not resulting from my personal action.
Consumer complaint received 2022-10-02
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 to the fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 reporting containing any of the following items of information, any other adverse items of information other than records of convicted crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any other information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MS)

I am currently in a program that has never been explained to me and am not paying anything back bc my income is so low. I would like a better explanation of the program I am in and how I am supposed to pay my loans back by a real person who XXXX as as their first language who has more understanding than I do
Consumer complaint received 2020-01-15
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. (TX)

On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/XXXX.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 i filed a claim with Wells Fargo Claims Assistance Center after noticing unauthorized charges on my checking account to the total of {$1400.00}. 
These were similiar to unauthorized charges recently disputed and credited back in a previous claim to the sum of {$2000.00} on XXXX/21.Same type of charges used in same manner and within the same time frame. Obvious charges were related. Hotel room charges in consecutive days in same area blocks apart from one another. 
On XX/XX//21 after claim has been filed i receive 3 letters in regards to claim. All stated " we have completed our research of your inquiry. '' First one states transactions totalling {$1400.00} unfounded. Second states processing error did not occurr for charges of {$1300.00}. Third one is to inform me that a merchant has returned a security deposit of {$100.00} and for that i was told to " Please consider your claim closed. '' Makes no sense. Called claims department, and was told of this being a final decision and basically hung up on. Called back speak with adjuster and was told not possible and that the matter was closed. 
XX/XX//21 waited a few days and called in again. Explained situation and representative who in looking over claim noticed the similiarities to previous claim for same transactions already returned as a courtesy was to reopen this denied claim and credited my account the {$1300.00}. He noted the previous adjuster had mistaken the returned security deposit as action taken by merhant to return funds instead of realizing that happens automatically and considered claim closed. 
XX/XX/21 letter sent informing me that based on information available " charges were made by you or someone who had your permission '' resulting in reversal of funds credited. This is not what happened at all and i should not be forced to accept this. No evidence or reasoning given as to their inquiry as there is nothing. And in light of previous unauthorized charges already returned after investigation found in my favor. further phone calls have had not resolved this for me and has me here trying to make this right.

Cant accept one charge as unauthorized and another of exact type denied. Wheres the logic in that... 
Not right and not what anyone should have to be forced to accept!
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ACIMA CREDIT, LLC (GA)

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019.
Consumer complaint received 2022-08-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, 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 2022-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX has been harassing me for a while now. I have asked these rude foreigners to stop calling my phone. They have violated my rights as a consumer. At this point I have the right to file a lawsuit and I will be filing a lawsuit against XXXX XXXX XXXX. I dont owe them any money never did business with them at all. This company is a junk debt buying business that needs to be stopped on their tracks. I never one have anyone permission to share my private information with XXXX XXXX XXXX. If anything appears on my credit report will only add to my lawsuit. I do not owe any debts. Please stop harassing me
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX- XX/XX/2021 -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MS)

I moved out of a house at the end of XXXX. The landlord walk the house in XXXX and sent what I had to pay to the collections company at the end of XXXX on XX/XX/XXXX they put it on my credit report. Never got a letter from the landlord to see if I will pay them it just went straight to collections. The Pro Collections People are so rude and want send me a break down of what I have to pay. Plus the amount they put on my credit report was wrong and now I having a hard time getting a place.
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.
Consumer complaint received 2020-01-15
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: EQUIFAX, INC. (TX)

Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.
Consumer complaint received 2022-11-21
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)

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor XXXX not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (TX)

My account was closed by Barclays on XXXX/XXXX/16. However, I did not receive my accrued rewards which are approximately XXXX points which can be cashed out for {$200.00}. Please issue a check for these rewards as the account was closed without the opportunity for me to redeem these rewards.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

SYNCB/OLDNAVY XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by SYNCB/OLDNAVY. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE 1 INCORPORATION (MI)

My husband and I paid for an Inspection in our home. It was for an FHA loan. Everything was good then they told us they could not complete our loan Untill XXXX due to and FHA rule we called HUD and found out they were doing it wrong so we took our business else where. They never logged out inspection and the cancelled it so the other company could not use it.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the bureaus did not remove them. 

Sec. 602 States " I have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (PA)

USBank Home Mortgage is about to steal my home through Fraudulent Foreclosure. 

Before I found out about their fraudulent activities I fell behind on my payments due to loss of my job. I contacted XXXX XXXX and he failed to show up in court so the mortgage company got a judgment in default. 

I tried repeatedly to obtain a Loan Modification after my finances were back on track. They denied me multiple times. I gave permission to a friend of mine to make a Loan Mod request on my behalf and again USBank denied it. 

I hired XXXX XXXX ( a Loan Modification firm ), and again USBank refused to grant the request. I used a non-profit company called XXXX to request a Loan Modification on my behalf and they too were unable to get any cooperation from USBank Home Mortgage. This is a desperate plea for help because I can not afford to lose my home and end up on the streets at XXXX XXXX XXXX. I need your intervention. I can prove the fraudulent acts by USBank Home Mortgage and its Officers. Please help escape a Fraudulent Foreclosure. I can not sleep at nights, I can not breathe sometimes, I can not eat or think straight sometimes.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (AL)

I have been closed my account for several years now at Regions Bank, because they were charging me overdraft fees I did not owe. I still have my account number and my statements and can prove they were causing me to overdraft. I see where they were finally caught and I want to know how I can get my money back? Please help me.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

During the XXXX school year I lived at the XXXX XXXX  XXXX  XXXX. During this time the management repeatedly would try to notify me that I had broken the lease and would need to pay additional fines. The issue was when I asked for evidence of me breaking the lease, I was only given my lease with the sections highlighted. Come XX/XX/2020 and I return home during the COVID breakout, during this time I learn my room has been cleaned out and I've been evicted, without a notice, during a nationwide freeze. 

These fines get reported to a debt collector and when I ask for evidence that these debts are legal and not just my landlord going crazy with a highlighter all I got again was my lease with a highlighter on the sections. Nothing with any legal weight. I then reply to them saying I hadn't broken the lease and get back no reply. I send XXXX more letters asking for a reply. I get no reply. During this time, I filed a dispute with XXXX. XXXX just checked that's my name is accurate. not if the actual debt is accurate. which is useless. This landlord literally just made up me breaking a lease. No evidence??? An eviction during XX/XX/2020??? I will keep fighting this blatant illegal operation.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AZ)

Direct express does not want to give me my money for the whole year of XXXX and 1 month in XX/XX/XXXX in total 13 month of SSI and SSDI payments they issued out three direct express cards to who knows who but some how got my idenity and ordered new cards and swipped out XXXX but I'm the one who giving inaccurate info and they don't want to even do there investigation rite so I'm owed 13 months of money I never saw used my information has always been updated with a bank account and now I get all these issues and no real solution to my money credits just a total shut down I sent papers the same they sent me and still nothing has come upon I need to find somebody who enforce these people to release my funds I'm a victim of identy thieft and fraud with a government agency
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAcXXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX