davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting act 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 2022-03-02
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (AZ)

I have a credit card through Barclay Bank that I do not use often. I received an email in regard to my minimum payment being {$400.00} which is when I realized my card was used unauthorized by someone else. There were many transactions starting XX/XX/2021 and after that I was not present for, and did not authorize. I reported this to the bank in which they initially reversed the charges. The first rep I spoke with I explained the situation, and also requested a new card. They closed the investigation due to lack of proof or information. I called back after re-explaining what I had told the first rep, and offered to file a police report and write a letter in which she said I did not need to and they would re-open. I still to this day have not received my new card since requested in XXXX XXXX XXXX, nor have I received a letter about the investigation. The charges are still on my card, with no explanation on the investigation. I will not pay for unauthorized charges on my credit card, where I was not present. Please let me know how I can resolve this with the company.
Consumer complaint received 2020-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VT)

I have had my house since XXXX and my first payment was due XX/XX/XXXX, I paid that and it went through fine, then my mortgage company switched lenders and every month since then I have not been able to make a payment! They have taken it out of my account multiple times a month and still say Im missing payments, Ive had the available funds each time Ive told them to take it out of my account and now they are trying to make me pay 3 monthly payments in one day! Ive asked to speak to a bank manager and they wont call me back, Ive emailed them with bank statements proving I have the funds and their taking out and its not a issue on my end and they wont email me back, Ive called multiple times explaining that they need to work this out and they threaten foreclosure on us if we dont make 3 payments in one day! All I want it to be able to make my monthly payments! My credit score has been affected tremendously because of this lending company and its causing my husband and I a extreme amount of stress.
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo let me open and use personal checking account well I knew this person who I loaned money to and paid me back with a check. It bounced and I was let go from them and she was not they are horrible in XXXX, MS to deal with then they started closing all these accounts at the same time so I believe I was one that was caught up in that mess.
Consumer complaint received 2022-03-02
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. (FL)

I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX XXXX  Original 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 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
Consumer complaint received 2022-06-03
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

I have contacted Affirm to let them know that I never opened an account with them, I submitted a police report as well, about two years ago, I'm tired of it being a negative blemish on my credit file, they say I owe them for two separate charges, one for {$200.00} and another for {$200.00} dollars, this debt doesn't belong to me and they refuse to remove it. account open date XX/XX/2018 for the {$200.00} dollars debt and XX/XX/2018 for the {$200.00} dollar debt.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AZ)

On approximately XX/XX/XXXX I received a XXXX policy for another person that I supposedly paid for. The person of question hacked into my credit card account and paid his policy. Chase credit card company allowed this person to enter and use. my account with a misspelled name of mine with no security needed ( per XXXX customer service ) and charged {$390.00}. When I contacted the Fraud dept at Chase they were closed and the Chase person from customer service stopped my card ( s ) immediately. There has been no response from Chase which I was advised there would be. This credit card company allowed someone into my account committed fraud and there was no security by this company to prevent. Supposedly this multi billion dollar company has advanced security which is clearly not correct. The person who did this act was approximately 2000 miles away, misspelled my name and took whatever he wanted to use for his policy from XXXX since a security code on the back of the card was not needed. I have taken proper action against the company XXXX through the XXXX. of XXXX. and now must turn my attention to Chase for their horrible service and vulnerability which is clearly evident and need your help because I am a victim of incredibly incompetent and uncaring service by Chase Bank. The Attorney General 's office that state is involved. I am sure Chase won't be proactive because their only concern has been the money I spend through their card rather than protect the consumer.Thank XXXX
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX, there was an unauthorized transaction on my bank account and someone used my XXXX account linked to my bank and made a transaction of {$1400.00} from my account. 
On XXXX XXXX, I called the bank and raised a request with the bank to block my card and alerted them about the unauthorized transaction, and they refunded the amount saying they will investigate the claim. 
On XX/XX/XXXX, the bank said they can not verify the transaction irrespective of raising alerts and blocking the card and asked me to fight with the merchant instead which is absurd because XXXX is a 3rd party website.

**Still waiting a response from the bank** I have the fraud 's XXXX user id to whom the money was sent and also raised a complaint with XXXX but they said I need to talk to the bank to resolve the issue! So basically do not use XXXX.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VT)

On XX/XX/XXXX, I signed a contract to purchase a heat pump from XXXX XXXX. XXXX XXXX had referred me to XXXX XXXX XXXX who came out and did the quote and the subsequent installation. After rebates, the total amount came to {$14000.00}. Part of the contract was a 24 month no interest credit card from XXXX XXXX. I applied for the card using the on-line website that the individual who did the quote had on his laptop. My first bill had a statement date of XX/XX/XXXX, making my last payment statement date XX/XX/XXXX. I set up an automatic payment of {$620.00} per month, which would equal {$15000.00} over the 24 months. Once set up, I did not look at any on-line statements or otherwise check the account. A few weeks ago, I went into my on-line account with HDCS and much to my surprise, I saw a balance of {$3100.00}. I was expecting something less than {$700.00}. After researching back my account, it appears that XXXX only gave me 12 months free interest. On the statement of XX/XX/XXXX, all back interest, totally {$1800.00} was applied and then monthly interest from then on. 

I called XXXX on XX/XX/XXXX and asked what was going on. They would not reverse all the interest charges, despite them breaking my contract, because they said too much time had passed since XX/XX/XXXX. They did reverse three months of interest and I specifically asked them to make a note on my file that I was not satisfied with this result. 

Unfortunately, I never received a paper copy of my initial application, I assume because it was done on-line, but I distinctly remember the quoter pointing out on the form where the 24 month interest free was stated. HDCS could not provide me with a copy of my electronic application when I call. I also reached out to XXXX XXXX XXXX and XXXX XXXX and neither could provide me with a copy. This seems very strange to me. 

I believe HDCS did not process my original application correctly and entered 12 months rather than 24 months. You can see by my monthly payments that I was expecting 24 months. If I knew it was only been 12 months, then I would have changed my payment to {$1200.00} and been done before any interest was charged. 

I did reach out to the Vermont Attorney Generals office and they referred me to you. I hope you will have better luck getting the interest reversed. I have attached a file that shows the specific transactions.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2021 a cfpb complaint was filed against Synchrony bank for their debt collection abusive practices. A cease and desist sworn affidavit was certified mailed to Synchrony bank. They were instructed to cease and desist both via cfpb complaint and certified mail. Synchrony bank has continued to harass I, the consumer, with repeated phone calls multiple times a day.
Consumer complaint received 2019-10-19
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. (MI)

On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I have paid my loan in full to my loan servicer, EdFinancial Services. However, I have chosen to request that approximately {$10000.00} of my loan payments be refunded to me per my right through the CARES Act. Between XX/XX/2022 and XX/XX/2022, I have made 13 phone calls to EdFinancial making my request known only to be met by vague and unhelpful responses from employees. Answers from EdFinancial have ranged to the effect of it's being processed '' to " we're unsure we'll be able to honor your request by the end of the year '' to " because your account is closed, we are having a difficult time moving forward. '' My previous 6 calls as of XX/XX/2022 have all been immediately disconnected by EdFinanicial. I am unsure whether it is incompetence or purposeful obstruction being committed by EdFinancial but they continue to fail to meet the mandate of the CARES Act.
Consumer complaint received 2022-03-02
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. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2019-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (IL)

The original doctors appointment was overcharged to the insurance company. The amount paid to the doctor was too much for the type of appointment. I advised them that they charged too much for the appointment and I wouldn't pay the amount they were asking. Now they've sold it to a collection agency which I definitely don't owe.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On Saturday XX/XX/XXXX, my debit card was charged at a Chase ATM 4 times for an amount of {$200.00} each for a total of {$800.00} between XXXX and XXXX. The bank was able to reimburse this money back to my account. Shortly after the atm withdrawals, on the same day in the afternoon, the XXXX down the street fraudulently charged my debit card {$750.00} through XXXX XXXX. Chase hasnt reimbursed the XXXX charge. The XXXX is # XXXX XXXX XXXX in NJ. The phone number is XXXX. The manager was able to confirm the person who came in and made the transaction did not match my description and is caught on camera. I was told the footage is still available. I was at XXXX of XXXX in New York at the time. 

I stopped the debit card on Saturday, XX/XX/XXXX. Chase sent me a new debit card in the mail. On Monday, XX/XX/XXXX, I had not received the card yet. It was compromised and a charge of around {$3000.00} tried to go through. Since I didnt activate the card, it did not go through. Chase canceled that card and then issued me another one. On Wednesday XXXX, Chase claimed the account had been compromised and shut it down. They gave me a new account. 

I have called and had Chase relook into to the XXXX claim several times. After the 3rd time, Chase told me the case is officially closed. After they told me the case is officially closed, Chase suggested I call XXXX. It had been several weeks in at that point. The XXXX was helpful, but they would need Chase to contact their loss prevention office to reimburse me the money. 

I went to my physical Chase branch location since I had not received an explanation as to why my claim was denied. A letter was sent in the mail saying, Here are the notes we have in our system : Transaction conducted within customer geographical location. Lack of Digit wallet security care. 

Shortly after, I filed a report with the police.
Consumer complaint received 2019-08-03
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Company said they would just move my late payments to end of load 6 months later we were told we had to do a repayment program no other choice. Acid it wouldnt negatively affect our credit and would show current from the time of the repayment program and it showed past due until I finished the program
Consumer complaint received 2019-10-19
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: ENCORE CAPITAL GROUP INC. (NJ)

I disputed the account in the amount of {$1000.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.
Consumer complaint received 2022-06-03
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # 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