davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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: U.S. BANCORP (TX)

On XX/XX/XXXX, I wrote a letter, from my location at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( where I was XXXX ), to US BANK / ELAN FINANCIAL SERVICES ( see attached letter ) requesting copies of my statements from XX/XX/XXXX on, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be fraudulent purchases that I did not make, as I was XXXX during this time. ELAN FINANCIAL SERVICES never sent me, or my attorneys XXXX, XXXX XXXX XXXXXXXX, the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly, or was provided insight into the fraud that was perpetrated against me to better glean as to what was purchased and where it was purchased by these perpetrators to aide in my recovery of overall life savings, etc. ELAN FINANCIAL SERVICES did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. I never even received a notice from ELAN FINANCIAL SERVICES of any kind, period. Further, I wrote additional request letters to Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to XXXX XXXX XXXXXXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the XXXX XXXX First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX
Consumer complaint received 2022-08-22
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. (KY)

I was subjected to fraud when I send my money through XXXX  which is an appt inside my bank account. I contacted the bank more than one time because this was not my false, there was a defect in chase system that allowed the thief to trick me. And I lost {$570.00}, XXXX of them was not my fault at all. Then chase said they do have any control on XXXX, but they are still their partner. 
Then on my email, I received an email from Chase advertising for XXXX. 
They are very rude in speaking to me
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I deposited a second check from my husband 's job for {$330.00} through the XXXX XXXX Mobile Deposit  on the app. This was on a Saturday so my husband and I understood that the funds might not be available until the next business day, which was on XX/XX/XXXX. When the funds didn't come we thought there was a hold on the check since it happened to our first check we deposited through the ATM two weeks prior. Our account is fairly new, however no one verbally told us that all the checks we were going to deposit was going to be put on hold since it was a new account. I have a chase account and I have never had a problem with the account regarding depositing and receiving funds. I contacted the customer service number on XX/XX/XXXX and they told me that the funds were not going to be available until XX/XX/XXXX. I called again on XX/XX/XXXX asking what I could do since it was inconvenient for us to not have those funds. They explained that the funds were placed on hold until XX/XX/XXXX. I had another issues with an account overdraft because I couldn't deposit another check from my husband 's work since I had hit the mobile deposit limit. We didn't want to put in another check that was for {$440.00}, in fear that they would put the check on hold so we deposited it through XXXX XXXX and I went to XXXX XXXX on XX/XX/XXXX to clear those overdraft fees. On XX/XX/XXXX, I called the customer service number and tried to understand what I could do as a customer who needs their funds and they directed me to the bank manager. I talked to her ( XXXX ) and she said that I had to contact the company that gave us the check to see if it was cleared on their end. So I contacted the company that we received the check from and sent her an email with the statement. I called back to confirm that the email was sent and she said yes and that she would send it to Fraud management. I asked if I could contact them to let them know the situation and try to clear the check but she simply said no and that it would take until Saturday or maybe Monday for the check to clear. On XX/XX/XXXX, I called the customer service number in attempt to talk to someone about the status of the check hold and they directed me to the fraud department. The person on the phone stated that I got directed to the wrong number and that all holds on checks were with Risk Management, and that I couldn't contact them since only bank managers could. She apologized that I was told the wrong information and said that there is nothing they could do or I could do and that if my bank manager couldn't do anything then neither can anyone else in the company. She told me that I have been given the wrong information from both my bank manager and the customer service number. It's Saturday and my husband and I both need the funds since we are not in our area for the weekend and planned on using those funds for necessities.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I've tried 12 times to get my credit report from the XXXX website, or directly from Equifax and it has never worked. I was easily able to get my report from the other two companies. I've called Equifax multiple times and no one was able to get my report. For all intents and purposes, Equifax is not complying with the law.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (NV)

I had a collection account with Ford Motor Credit Company LLC I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Ford Motor Credit Company LLC and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Consumer complaint received 2018-08-01
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: DISCOVER BANK (NY)

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Consumer complaint received 2018-10-08
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. (MD)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous
Consumer complaint received 2023-03-07
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. (NC)

I have called company that initially had their name by it they have zero record for f this. That call was taped. Called Equafax they refuse to remove this from my report it is a hard pull.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BILL.COM, LLC (CA)

We use bill.com to process International Vendor payments. 

Bill.com changed the payment currency for a number of our foreign vendors from USD to XXXX without our consent or permission. 

The result is a number of our vendors were paid less than expected for their monthly contractual payments. 

Bill.com did not reach out to us to seek our permission- we were told these changes were part of a 'product update ' In addition, bill.com has been offering deceptive financial offerings to our vendors ( 2000 plus ) to choose their local currency for payment. The exchange rates are not disclosed to us or our vendors and these rates are far less than those offered by local banks/financial institutions. The end result is our vendors are paid less than expected and as an organization- ( out of goodwill ), we make up the difference. 

We have repeatedly requested bill.com to stop these deceptive marketing/financial practices but they have ignored our requests. 

Thank you in advance and please reach out to me if you have any questions or need any additional information - Best, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-07
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. (NC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NV)

I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.
Consumer complaint received 2022-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

So I have been dealing with Sallie Mae for about two years now. I didnt have a bank account when I started paying them I had a prepaid card from work that I was trying to use. I eventually got a bank account and started making payments very consistently, I had a couple reversed but I got them paid. They were supposed to be taking it out automatically around early XXXX but they said that due to a bunch of unsuccessful payments they could no longer do it. After that they started calling and harassing my XXXX XXXX XXXX grandfather. I called them and told them not to contact him to only call me and they stopped calling him and even lowered my monthly payments. Currently in XXXX I have had to still call and make payments they keep saying they will unlock my account online but it has never been unlocked. I had one late payment which I paid but they double charged me for XX/XX/XXXX payment along with the XX/XX/XXXX payment which was the late fee I only wanted to pay XXXX and they did not give me the option to just pay for the late payment.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (IN)

I have been trying since XX/XX/XXXX to get a report from Key Bank stating that I have made all of my payments in time for a home equity loan. Key Bank has sent me to their bankrupcty department as I did file banruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I reaffirmed with Key bank but they are treating my loan with them as if I didn't reaffirm but they have collected over {$8000.00} from me and this is now paid in full. I have called Key bank in XX/XX/XXXX trying to get this correct and I also had a 3 way conversation with Key bank and XXXX  back as I was trying to refinance my house. I was denied a refi due to this error. I was not aware that they could not do this to me until I met with my new lender and she explained to me that they can not not reaffirm with me nor can they take my loan that I did reaffirm with as report it to the credit bureau that this account was included in a Bankruptcy. I also spent an hour on the phone trying to contact people at Key bank this past Tuesday XX/XX/XXXX trying to get this resolved only to have people disconnect me, send me to unknown voicemail or just refuse to speak with me. I then went into the Local Key branch in XXXX, Indiana and spoke with the Branch Manager XXXX XXXX and she was of no help. She reached out to a lady named XXXX - office code number is XXXX ( i believe ) and she was to either email the payment history to XXXX or mail it to me. I haven't seen anything so I called XXXX  on Friday and asked about this paperwork as this is costing me quite a bit of money and she stated she would follow up with XXXX  and return my phone call but she never called me back. My new potential lender then emailed XXXX cc'ing me as I was in the office with her and again no response. Key bank is not working with me to correct the error on their part and to report to the credit bureau a correct report.
Consumer complaint received 2019-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK (CA)

I live in Colorado and my mom passed away in XX/XX/XXXX and left the home to my sister and brother and myself. And at that time there was a balance of {$3500.00} left on a {$25000.00} loan my mom took out in XX/XX/XXXX to fix the house. Well my family and I decided that who ever lives in the house would pay the that amount left. My sister XXXX XXXX paid that loan without missing a payment or late fee til it was finished. But for some reason when I file chapter XXXX in XX/XX/XXXX midland mortgage popped up trying to collect {$500.00} from my bankruptcy that I was paying and I had nothing to do with that payment. Not a one payment in my name was I responsible for. My sister paid all of the it and received payment confirmation and they released the deed. Question why does it show every payment paid except for the last one that midland added at the end? I believe that the motive was to capitalize on my bankruptcy that was the only reason I could come up with. I try hard to keep my credit up but I seem to fall in one pitfall  after another.I try to do the right thing in life and people and companys take advantage of every opportunity for a dollar.
Consumer complaint received 2019-08-24
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)

On XX/XX/2017, I filed disputes with Equifax, XXXX   and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
Consumer complaint received 2022-08-25
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (VA)

XXXX and Navient have not provided documentation pertaining to reported information. Information given regarding dispute states that Navient has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute # XXXX.
Consumer complaint received 2022-08-22
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. (LA)

Paid off all balances with XXXXXXXX XXXX. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

It's been well over a year now, and I'm still battling with Equifax and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2018-02-03
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. (CA)

I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.