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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (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 have a loan with PNC BANK with Account Number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (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. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYSBK with Account XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (NM)

I open dispute for {$52.00} for order not received. The merchant did shipped but i never got it. The bank asked me to send a write statement and i fax it to the number that was given on the form. They took that dispute amount out of my account after speaking with case manager she  told me she never received that fax of written state and i explained that i have send that fax on the same day i got that latter. They keep saying we dont have it. its been more than 30 days. The upper management was making excuse by saying it could been technical issues the reason they never not the fax and she asked me for conformations #?? I mean i send my paper work with same fax machine you got it but when i send you written statement YOU DIDN'T?? I need my money back because the sender have no refund policy.
Consumer complaint received 2021-03-16
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. (TX)

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the XXXX reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Consumer complaint received 2019-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I opened a loan with XXXX XXXX in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with XXXX XXXX in XXXX of 2017, they were purchased by XXXX XXXX, in XXXX or XXXX of the same year. XXXX XXXX closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.
Consumer complaint received 2021-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I attended XXXX XXXX from XXXX to XXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program. The Obama administration had previously enacted regulations in XXXX governing that program, which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities often, for-profit schools like XXXX. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and Navient refused to discharge my private loans. I believe I am entitled to cancellation of my private student loans under the Holder Rule theory. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity. In other words, if the borrower could raise claims of fraud against XXXX, the borrower should be able to raise those same claims of fraud against Navient and Sallie Mae.
Consumer complaint received 2019-04-03
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. (KY)

At the end of the lease, we refinance the loan away from XXXX XXXX. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent XXXX XXXX a bill. This bill should have came to us. XXXX paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with XXXX XXXX. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the XXXX XXXX are showing a 30 and a 60 day late for XXXX and XXXX of XXXX we did not have a loan or credit agreement with XXXX XXXX at this time.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX XXXX XXXX XXXX Balance : {$6000.00} 2. XXXX XXXX Balance : {$290.00}
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I enrolled in a Barclay 's XXXX XXXX XXXX  promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing. 

On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding. 

XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that. 

I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies.

I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that.

I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit. 

I want to make sure the public is safeguarded and not taken advantage of like I was. 

Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide. 
( attached is snapshot of promo email, I can forward originals if helpful )
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (FL)

I have ever only obtained a check cash card for Walmart in XX/XX/XXXX. Now in XX/XX/XXXX I tried to apply for a credit card and was denied. However, via mail from XXXXXXXX XXXX   Creditor and they also list XXXX in letter, they claim SERIOUS DELINQUENCY, NUMBEROUS ACCOUNTS WITH DELINQUENCY, LACK OF RECENT BANK REVOLVE INFO. I Knew this was FRAUD and immediate called XXXX who stated they never even received the INQUIRY! I then reported to FTC and Consumer Finance to have this EXTREME FRAUD and LAUNDERING Under MY NAME Investigated. They explained I should submit a complaint online or in writing as well. I would have no problem with proving these accounts were never mine! Cell # XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (FL)

I paid off my car loan in less than 2 yrs. ( XXXX, 2022 ). The dealership had added on some type of additional insurance to my car loan & I was told I would get a refund once the loan was paid. Wells Fargo immediately removed the car loan from the internet so I could not check anything that was going on. The bank representatives said they also had no access to the information. I received a letter telling me to pursue the refund with the dealership. The finance person at the dealership told me that they had already refunded all money to Wells Fargo Bank, but the bank would take 6 months to refund the money to me. I did in fact receive the refund in XXXX, 2022. 
1st, I do not believe this " insurance '' should just be added automatically to loans. 
2nd, Wells Fargo sent out fraudulent information ( and wasted my time! ) sending me to the dealership for my refund when they in fact had already received my money from the dealership and were holding it for what turned out to be a full six ( 6 ) months. 
3rd, I was never compensated or paid any interest during the six ( 6 ) months they held my $ 600.+. When a consumer is even just 1 day late, they are hit with late fees as well as interest & penalties.

Interest on $ 600.+ over six ( 6 ) months is a substantial amount of money that I feel should be paid to the consumer!
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : 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 XXXX 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 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 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 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$1100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Consumer complaint received 2019-04-02
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. (NY)

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct XXXX # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX XXXX XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

Jefferson Capital Systems has violated my federally protected rights under the FDCPA. I never received dispute notice. Jefferson Capital is using my consumer report with extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. You are also collecting on an time barred debt. I am not paying the alleged debt and I am putting you on notice to Cease all communications from me from all mediums including my consumer report within 15 days or I will proceed with legal matters or all violations and damages this injury caused.
Consumer complaint received 2019-04-03
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. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, and XXXX XXXX XXXX, {$7500.00}.