davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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. (FL)

Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX 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 a account without my written instructions.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal
Consumer complaint received 2022-09-10
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. (GA)

equifax is reporting inaccurate late payments on my credit profile from companies such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX during XXXX and XXXX
Consumer complaint received 2022-09-10
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. (WA)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (HI)

I am a victim of identity theft. I did not open a XXXX XXXXXXXX XXXX card or a checking account with Barclays. I have communicated in writing and made several telephone calls asking for assistance. I was transferred up to six times within 2.5 hours of being on the telephone with multiple representatives with Barclays and got no resolution. At the last minute, the lady from the fraud dept said, " my computer is frozen. Can you call back in an hour? '' I called back in an hour only to be told I had the wrong dept and transferred me to another representative.
Consumer complaint received 2021-10-27
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: U.S. BANCORP (MN)

On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (CA)

These Inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (IN)

Equifax did not read my request. It was clearly done by an automated system. My credit was dinged with multiple inquiries and the name on the inquiry is spelled wrong and is clearly not my current address. Equifax refused to rectify this
Consumer complaint received 2021-10-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

This debt does not belong to me. I 've disputed it several times. Every time, it drops off of my credit report and then reappears two months later, taking my credit score down XXXX points. The debt seems to be sold to different collections companies over and over again.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NJ)

case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my grandson opened a new accct at Chase Bank and deposited a XXXX check that I had given him for his high school graduation. Chase processed my check and pulled the XXXX from my checking account at XXXX XXXX ( money was pulled from my acct on XX/XX/XXXX ). Shortly after that my grandson went to use his acct and it had been closed for no reason. Chase could give him no reason for this but now they are saying that the reason was because of the check I gave him ... the federal reserve gave a negative response???? I have contacted the Federal Reserve personally and they say this is not true! They will not release the money to my grandson saying they need me to verify the check however they refuse to contact me or my bank... So basically Chase Bank is holding my XXXX and XXXX dollars that was given to him from my inlaws and refusing to release it. I was give this CFPB info from the Federal Reserve. They felt like you could help me.
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I pulled each of my credit report ; XXXX, XXXX, Equifax. XXXX  by claim stated I owe them a debt produced by hospital ( XXXX XXXX ), which the name of facility were brought to my attention ; sounds unfamiliar. I called the hospital and provided them my information, they were not seeing no past visit within their systems or debt for any collection to be active. I disputed this information with XXXX  which they refuse to comply to verify the information based on my dispute ; with estoppel to my defense, I'm now disputing this information with all credit bureaus actively reporting false information on my file since theres no accurate validation of such debt.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BILL.COM, LLC (CA)

My company XXXX XXXX, entered into an agreement with Bill.com, sometime in XXXX 2022 Bill.com to ACH and or transfer money from my customers bank accounts to my business bank electronically through Bill.com 's network. On or about the XXXX/XXXX/2022 Bill.com stop transferring money to our bank account. We call and call send them emails and only received vague bot email replies. On XX/XX/2022 Bill.com sent us an email claiming they deposited some {$3400.00} to our XXXX account on XX/XX/2022 We never received these monies. After emailing XXXX on XX/XX/2022 notifying them that we were filing a complaint against them with the California Attorney 's General office of consumer affairs. We received an email from Bill.com on XXXX/XXXX/222 claiming that our company was a RISK and they were ceasing conducting business with us. This is fraud, all communication with them claiming they deposited our money were purely untruths and lies. They also claim that transactions we had in processing with them currently will be void. I want your agency to investigate this company Bill.com thoroughly. We found that the XXXX  had over 150 complaints about this company with similar matters. 100 's of reviews online shows the the company commits ramped fraud and treats it customers badly. Please, please do the what is right, investigate this company. We still have not been told where is our {$34000.00} We would like our money. Also they locked us out from the portal we paid subscriptions fees for on their network. We can not see any transactions or email they sent to us or we send to them. This company also do not have phone numbers where representatives can be reached. The only way to reached them is by email of which they respond with bots mostly. XXXX XXXX is a merchant services provider.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NJ)

I receive XXXX to 3 calls daily for months from Pioneer Debt collectors, who appear to be pursuing another party with the same last name. Different first, middle names, but not me, and not my phone number. I have NO debts. Their constant harassment must stop.
Consumer complaint received 2022-04-20
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

My EQUIFAX REPORT HAS NOT BEEN UPDATED SINCE XX/XX/2022! For the following companies : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to them on several occasions about this issue and have not received anything back in the mail from them at all. 
I spoke to someone over the phone for a forgiveness for XXXX XXXX XXXX  because I was faced with financial hardship and could not make my 4 of my payments on time and they informed me they would remove those two late payments and they failed to do so!
Consumer complaint received 2020-08-08
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. (FL)

MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank XXXX XXXX. I made XXXX payments in XXXX ; my regular payment, plus an addition {$5000.00} which was to go to principal. In XXXX Chase XXXX credited this second, additional payment to the principal. Then showing my principal balance of {$1700.00}. I have a printout dated XX/XX/2022 that shows my principal balance of my vehicle was {$1700.00}. 
I then went online the following month, XXXX, to make my regular payment, and Chase Bank XXXX, reversed my {$5000.00} principal payment and counted it toward my XXXX payment! Now they show my principal balance is {$6700.00}. 

We all know they did this intentionally to put more money ( interest ) in their pockets. 

Please help. Please investigate Chase Bank! What they did has to be fraud! This bank is taking advantage of people!
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Fedloan stole {$12000.00} from my bank and has not applied it to my student loan balance. 
I made a {$12000.00} payment to FedLoan on XX/XX/22. One day later, on XX/XX/22, I tried checking my account but received an error message that they no longer service my loan. When I called Fedloan, they acknowledged that they still have my loan and see my payment, but can not show it to me. When I log in to the Fedloan website, there is no record of my loan amount or the payment I made.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-09
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NC)

Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX
Consumer complaint received 2022-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (VA)

We have a business checking account for our restaurant at M & T Bank. In XXXX three fake checks were cashed at XXXX XXXX. 

# XXXX for {$1900.00} # XXXX for {$2000.00} # XXXX for {$2800.00} The total is up to {$6800.00} The checks do not appear to be " washed '' checks. They are not in our printing sequence, nor on any setup of how our checks present visually. So they seem to be newly printed forgeries with our account information and address. 

M & T has been notified of the fraud bur refuses to return the money until they receive it from XXXX XXXX. 

That is between them and XXXX  but we are a client of M & T and it is their responsibility to return our stolen funds regardless of the fact that the checks were cashed at XXXX.