davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 i
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have asked Equifax to update my credit report by removing the following accounts that does not Belong to me. Remember late payments are illegal it is a Billing Error 15 U.S Code 1666b. 

These late payments are causing me stress and hardship so I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of Billing Error ) you are illegally reporting transaction on my consumer report.15 US Code 1681b I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.! 
XXXX XXXX XXXXNot my account. You guys deleted this one and it came bank XXXX Not my account. You guys deleted this one and it came bank XXXX XXXX payments
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I noticed numerous duplicate charges from XXXX XXXX XXXX on my bank account. I disputed the duplicate charges on my account with my bank. I received an email asking me to cancel the dispute with my bank and was told that disputes are a breach of their terms and conditions and can affect the status of my account permanently. ( attached ) I responded and let them know that I would cancel the dispute with my bank if they would do the right thing and give me my money back for the duplicate charges. When I tried to login, my account was deactivated. I then received emails from their sister companies but the emails came from XXXX ( attached ) telling me that I have violated their terms and conditions and they have permanently banned my account. 

At XXXX XXXX XXXX  you purchase gold coins ( I suppose it would be a service because it is not a product that you can actually touch ) and then you play games with those gold coins. Because I submitted a valid dispute for duplicate charges on my account, XXXX XXXX XXXX has now deactivated and banned me. I no longer have access to the XXXX XXXX  ( services ) that I purchased. I want my money back for the billions of gold coins that I have sitting in my account and have no access to use them. I paid for something and I do not have access and can not use their service. 

I have tried to explain this numerous times but Chime does not understand or have any questions, please let me know and I will do my best to explain it better. 

They denied my claim and stated that I did not give them enough information to move forward with my claim, they asked for the purchases that I made vs the duplicate charges - I send this to them numerous times. All I receive is a blanket response that I should submit a rebuttal and every time that I do they say they don't have the information they requested which they clearly do have.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KS)

I started this account probably 3 and a half months ago and was having money from my paycheck put in it to save I never spent money out of the account, over 60 days ago I was informed that my account was blocked and when I called them they said the account would be closed in 60 days and I would receive a check with the remaining funds and they couldnt talk about it anymore and would hang up on me. Ive called them multiple times since then and have got hung up on every time havent received my funds and my account is still blocked. I dont have dates on my phone for the calls because my list doesnt go back that far. But there is almost 2000 $ in this account its also a Online bank and the nearest branch is in California and i live in Kansas.
Consumer complaint received 2022-08-09
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: BARCLAYS BANK DELAWARE (VA)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-09-18
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. (VA)

Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX XXXXXXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX  XXXX accountable. 

XXXX
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (TX)

Best Buy is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. XXXX XXXX and XXXX acquired on XX/XX/XXXX. XXXX XXXX and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Consumer complaint received 2022-09-17
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)

XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER
Consumer complaint received 2019-09-16
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: CITIBANK, N.A. (CA)

Sears has consistently been negligent in opening fraudulent accounts and has been accessory to assisting fraudulent accounts and applications are approved with my social security number, EVEN THOUGH I HAVE MARKED THEM BOTH AS FRAUD AND HAVE A FREEZE AND 7 YEAR ALERT ON ALL THREE CREDIT BUREAUS. In XX/XX/XXXX there was a fraudulent application for credit submitted and I called to close it and place a fraud marker on my file ( AND my social security number ) as I have consistently been combating identity theft for the past 2 years. In XX/XX/XXXX they stated they had done so and this wouldn't happen again. 

Yesterday, XX/XX/XXXX I received an application alert through XXXX ( AGAIN, almost 1 year later ) that there was an application submitted through Sears with my social security number. Today, XX/XX/XXXX, I called Sears with XXXX and was told by the applications department that the application was CLOSED and there was NO Credit Account open, and that they would place yet another marker on my file. A minute later, XXXX confirmed that the application was actually approved and that the credit file was opened, contrary to the recorded conversation with the woman from Applications. The woman in Fraud Department ( who was nice, yet ineffective, like all Sears and Home Depot associates ) told me that there were two known aliases using my social and that they would mark it as fraud, again. they told me to put a 7 year hold on my account. When I asked WHY they were negligent in regard to both separate fraudulent accounts and applications, and WHY they had just lied in the applications department, I was told to contact SSA and the bureaus. Which I have done twice in the last month. I was then asked if there was anything else and they hung up.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

On XX/XX/1922, I called Fedloan to ask for a refund for payments made during Covid period under Cares act. It has been over 4 months and still havent received a refund. I called again on XX/XX/22 and checked on the status of the refund and they said I never requested a refund. I have email documentation and phone records showing I requested the refund.
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

Bankruptcy judge ordered modification on second mortgage while first mortgage was in XXXX XXXX. Finalized bankruptcy last year, but no contact from second mortgage servicer company since declaring bankruptcy XXXX  years prior in XXXX. When second mortgage servicer, Mr. Cooper did finally respond, they demanded the full amount. 
They are now stalling for the highest interest rates through " the paperwork shuffle '', where they allow documents to expire and force you to begin the process over. I am attempting to apply for a modification, now a second application since early XXXX. They omitted IRS tax form 4506T, a form that expires every 6 months, they know it and omitted it. When I emailed them yesterday, they responded by confirming my request for IRS tax form 4506C. 
XXXX was the original servicer on my first and second mortgages, and pulled XXXX years of loan modification " paperwork shuffle '', from XXXX through XXXX, which forced me to force them through bankruptcy to work with me. 
The first mortgage is resolved, happy and current, but that second one knows I can't use bankruptcy again.
Consumer complaint received 2022-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

RE : Credit Account # XXXX To Whom It May Concern : Upon reviewing my XXXX, XXXX, and XXXX credit report, I observed that my auto account with Kia Financial is listed as a negative paid charge off entry. 

In XX/XX/2020, I endured an abrupt loss of employment that was related to devastating financial hardships that the organization experienced resulting from the COVID-19 pandemic. 

My account history indicates that the past due balance was paid as well as the resulting late fees. Further, the full payment has since been PAID IN FULL. 

My purpose in writing is that I have encountered difficulties in securing financing from mortgage lenders, largely the result of a diminished XXXX  score. 

I respectfully request that you make a goodwill adjustment to delete the charge off collection entry from my credit file. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was informed by my bank, XXXX XXXX XXXX XXXX ( XXXX ), that Equifax is guilty of suppressing the due monthly reporting of my XXXX XXXX Credit Card the suppression of which was never authorized by the bank and certainly not by me. 

Subject : Account Balance hasn't been updated XXXX XXXX XXXX XX/XX/2021 : Thank you for your eMessage. XXXX XXXX sends your credit file to all of the major credit reporting agencies each month at the end of your billing cycle. Your account last reported XX/XX/2021. The card will report for XXXX after the billing cycle. The exact reporting date is unavailable. The account ending in XXXX is being suppressed by Equifax. You will need to contact Equifax regarding why they are suppressing your account. This is not something XXXX XXXX can correct since we never requested suppression. If you have further questions, please call our 24 hour, toll-free member service line at XXXX. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX, XXXX XXXX, www.equifax.com Your Message XX/XX/2021 : Why has't my XXXX XXXX credit card balance been updated with XXXX, Equifax or XXXX  for the current cycle? In fact this card isn't even reporting on Equifax. Please help.
Consumer complaint received 2020-11-11
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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. (MS)

XXXX, Equifax and XXXX  is reporting this repossession inaccurate on my credit report. First  XXXX  and Equifax is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. Equifax is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Consumer complaint received 2022-09-17
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: GOLDMAN SACHS BANK USA (IA)

I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX  and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX  said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX