davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (IL)

I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from AARGON agency XXXX XXXX  XXXX. XXXX XXXX OPENED TWO COLLECTIONS AGAINST ME.
Consumer complaint received 2022-04-20
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: Chime Financial Inc (NC)

XX/XX/2022 {$1500.00} was unauthorized charges they refuse to refund my money after making a quick decision they closed my account XX/XX/2022 after i reported to them a dispute unfair deceptive practices fastest investigation they have done. 
15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1644 - Fraudulent use of credit cards ; penalties 029. FRAUDULENT PRESENTMENT AND RELATED UNAUTHORIZED CREDIT CARD TRANSACTIONS MADE BY ACCESS DEVICE18 U.S.C. 1029 ( A ) ( 7 ) 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM.

4A-204. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER.
Consumer complaint received 2021-11-19
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 (TX)

On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX. 

XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out. 
Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name. 

XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that. 

XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.
Consumer complaint received 2021-12-20
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

XXXXSynchrony Bank changed my account billing preferences to " paperless billing '' without my consent. I have a screen shot as documentation of this change to my account. This resulted in no bills being sent to my home. Synchrony Bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only XXXX days past the due date. I never received a letter or call about the alleged account delinquency. I have had this account since XXXX with exceptional payment history and have a XXXX XXXX XXXX of over XXXX. When I called Synchrony Bank on XX/XX/XXXX after my card was declined in a XXXX XXXX  store, the representative with whom I spoke was very rude and would not provide all the details about billing I requested. The balance on my account has been increased from {$160.00} to {$200.00} due to late fees and interest. My reason for this complaint to CFPB is due to Synchrony Bank changing my billing preferences without my consent, not sending me bills or any letter stating my account was delinquent. This is simply an unfair business practice and a very poor way to treat a customer of over XXXX  years who has exceptional credit history.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

My experience with synchrony bank has been a nightmare. In XXXX there was an error that led to an overpayment for my account was made leading to an XXXX return. I corrected this immediately, made the correct payment which went through. A few months later, XXXX of my auto payments was returned in error ( had to do with the money in a different ( savings ) account ). I IMMEDIATELY saw the error and redid my payment, which went through. Unfortunately, XXXX closed my account. I called them and after some time and escalations, they said they would review and see if they can re-open my account. They reinstated my account within a few days. 

After about a month with no issues, I find out that my account was closed a second time! Their response? It was reinstated in " XXXX XXXX. Never mind that I have been a customer with them since 2016 with no late/ returned payments. I called them again, and after over an hour on the phone, they finally told me if I had to get a letter from my bank explaining what happened. I was told explicitly by XXXX of the managers that my account would be reinstated If I provided this letter. I get the letter from my bank and send it to them and wait for another month before I finally call them again. Now they tell me they STILL can not reinstate my account. To top it all off, all my rewards and promotional purchases are gone as well! 

I have wasted hours trying to fight this, to no avail. Talking to agents at synchrony is like talking to a brick wall. The managers are useless ; they will tell you something, then go back on it a week later. Now with my account closed, XXXX is withholding my rewards balance that I earned, stating that it was " forfeited ''. They are refusing to credit my account.
Consumer complaint received 2022-04-20
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. (NJ)

On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, XXXX XXXX  XXXX ( XXXX ), XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE LATE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXXBalance {$1500.00}
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

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 believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau, but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original creditor : ) XXXX
Consumer complaint received 2022-08-13
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. (CA)

*In accordance with the Fair Credit Reporting act XXXX XXXX Partial 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial 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 *In accordance with the Fair Credit Reporting Act XXXX Partial 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 2020-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (AL)

I had a repo back in 2013 and they are still reporting this on my credit. I don't think it fair due that they have the vehicle back. They threatened me about suing constantly calling and etc. I feel like this is very unprofessional and uncalled for. It has hindered me from getting me things like buying my house and other things I am trying to accomplish for my family
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 at XXXX am and also at XXXX am I received a text message on my phone that there were XXXX payment transaction pending on my Chase account through XXXX ; first payment was {$1000.00} and second payment {$800.00}. I realized that those were payments not authorized by me. To my account no one had access at any given time and also at the time of those payments were being made, I was alone at home. Around XXXX am I changed the password to my Chase banking account on my computer and at the same I tried to reach the Chase online customer service to stop those XXXX unauthorized payments. I was on hold for XXXX minutes, there was no live response from bank site. I tried to call XXXX more time at XXXX : XXXX am while I was on my way to Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Before XXXX am, I was in the bank and Relationship Banker XXXX XXXX XXXX XXXX identified my personal ID and checked the account and told me that those XXXX unauthorized payments are pending. I asked her to block those XXXX unauthorized payments. She called the claim service and they turned off the online access to my Chase account. The Chase bank did not block those XXXX unauthorized payments which were still pending. I was told that the claim was submitted and the bank will refund the money for me. After XXXX months of waiting and not receiving any letter confirmation from Chase bank about my claim results, I called the online customer service and was told that my claim was denied. Chase bank told me that those XXXX unauthorized by me payments were send from my device, what is impossible. 
I reopened the claim, current claim # XXXX, I also contact local police - XXXX  XXXX XXXX police report # XXXX. I also reported the scam to FBI. 
On XXXX of the unauthorized payment was made to the person named XXXX XXXX with phone number XXXX, second payment was made to the person named XXXX XXXX with email XXXX.
Consumer complaint received 2022-10-16
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. (KS)

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IN)

I have weather damage to my home. My insurance agent cut me a {$10000.00} check to fix it. I endorsed the check and sent it to my mortgage company. This was last year! In this years time they had my money they requested paperwork to distribute money. My contractor and I both emailed and uploaded the proper paperwork. Flagstar has said they haven't got any of it. My contractor showed the proof of him faxing it and I can see it's been uploaded yet inactive. Every time I call Flagstar I'm on hold for long periods of time and can never speak to a supervisor. In the year I've been trying to get this done my weather damage has worsened. This is my primary residence that I pay them for and my contractor is legitimate. I need assistance in dealing with Flagstar. I hope this helps
Consumer complaint received 2021-10-28
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)

I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.
Consumer complaint received 2021-11-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in GAAP and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days. 

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.
Consumer complaint received 2021-12-01
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. (VA)

Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2022-10-16
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: SF VAGO, LLC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 that states I have the right to privacy 15 USC 1681 section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666B a creditor may not treat a payment on a auto loan account under open and consumer credit plan as late for any purpose