davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 (NY)

Per the correspondence of Barclays, they have admitted they closed down the website not allowing me to make payments. 

This is what they quoted " On XX/XX/2022, you spoke with one of our representatives who restored access to your customer website, and the access is still available as of the date of this letter. '' In addition here is another quote from the same letter " We have verified that the tradeline is reporting as in dispute with the consumer credit reporting agencies since XX/XX/2022. Your account was reported delinquent as minimum payments due between XX/XX/2022, through XX/XX/2022, were not made or satisfied as per the terms of your Cardmember Agreement. " If they didn't allow access in which I tried since the inception and the cancellation of the card how would I have been able to pay. I couldn't even get through to the institution. 

If you look at the credit agencies yes I am delinquent for all those dates and yes they admit shutting down their website. Therefore as you can see from the credit agencies those are the dates in which I was delinquent. Exactly every one of those months. 

How much clearer can it be that they have caused harm to my credit, shut down my account and also caused tremendous suffering to me and my family. 

I had to reach the CEO at Barclays in XXXX to get the person that is corresponding his attention. He continued to ignore what I had to say. You can flat out see in their letter that they didn't allow me to make payments. 

I don't know what FTC can do to rectify their harm and what they need to do as a penalty for hurting me.
Consumer complaint received 2022-04-08
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 Account # XXXX credit collection service 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. its also states a consumer reporting agency can not furnish a account without my written ins
tructions.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MA)

Chase Bank violated terms of Service, as part of our contract includes a refund for defective products from one year of date of purchase. The date of purchase was XX/XX/2022. 

Chase Bank is failing to honor the defective products, which it is not honoring and I have been overcharged by XXXX with XXXX for a defective product.
Consumer complaint received 2022-10-28
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: Aargon Agency, Inc. (NV)

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS AARGON AGENCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXXXXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-08
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-08
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 there a accounts attached that have 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 consent.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (VA)

On XX/XX/XXXX my debit and credit cards were used to complete unauthorized transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this store ( nor had I ever heard of it ) before XX/XX/XXXX, when I showed up to talk to the merchant about charges. During that time the owner of the establishment told me that two women were in the store trying several cards the day prior until mine unfortunately was approved. They have stolen XXXX from me in total. I have filed a police report with the XXXX Police Department ( report # XXXX ). On XX/XX/XXXX I filed a dispute with CHIME and spoke with a representative named XXXX, who stated he was a supervisor. The claim numbers for these disputes are XXXX and XXXX. He informed me the investigation could take up to 90 days which is not acceptable when other banks offer their members a provisional credit in these cases. On XX/XX/XXXX less than 24 hours after the dispute was filed I received a generic response stating that the investigation is complete. I attempted to contact CHIME via telephone and spoke with a very rude representative named XXXX XXXX XXXX XXXX XXXX XXXX ) who disconnected the call, saying that it was for quality purposes. She refused to help to escalate the call stating that she can only place notes on the account. Every answer given was generic and followed by " this is all that I can see on your account ''. I followed the call with 3 emails to chime requesting that any information in the investigation that helped to reach this adverse outcome be immediately sent to me. They are saying that this will take 10 business days. I asked to file a rebuttal or appeal of the decision and was told my only recourse is to email XXXX. I did take these steps but i am now seeking assistance from a higher authority as this bank ( if you can call it that ) is not following bank regulations. On their website they advertise zero liability for unauthorized charges, but yet they have done nothing to return my money. As a young person of XXXX XXXX this money is very important to me and too much to lose. I am left with no debit/credit cards to access my money and I am out of XXXX. 
The job of the bank is to protect its consumers against fraudulent charges. CHIME has failed to do that. I would like my funds, in the amounts of XXXX + XXXX to be returned to me.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2022-04-08
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 there a accounts attached that have 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 consent.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/XXXX, I made out a check for the amount of {$92.00} to the XXXX XXXX XXXX Tax Collector for renewal of my Tag registration. On XX/XX/XXXX at about XXXX I discovered that my Chase Bank checking account had a withdrawal of {$9300.00} on XX/XX/XXXX and the check for that amount was the same check no. that I had made out to the XXXX XXXX XXXX XXXX collector. 
I notified Chase fraud Dept. immediately and was advised to also call the Chase claims dept. the very next day which I did. The claims dept. requested forms to be filed with necessary documents ie Police Report and XXXX report to begin their investigation. 

I later learnt that the check was washed and altered and made out to an unknown individual. It was deposited in a XXXX Bank in XXXX, Fl. I also learnt that the XXXX police detective had found a camera with a recording of an individual breaking into the XXXX mail box I had used on the same morning I dropped it in. 

The forms and requested documents were faxed to the claims dept. through chases local branch. I was advised that it would take 60 to 90 days or up to 120 days for a resolution and will be reimbursed. 

It's been over 180days with no resolution or reimbursement of my money. I have been diligent in calling the claims dept. and going to the local branch for their staff to call the claims dept. since it has been an ongoing frustration of missing documents or not receiving the faxed papers or received mail stating my case was closed and will re-open when requested documents are provided. 

On XX/XX/XXXX I called the claims dept. again for an update and once again informed that they did not receive documents. I reminded the representative that a 3rd fax was sent on XX/XX/XXXX from the local branch. I was placed on hold for a moment then was told that Chase is unable to do anything further and it was in the hands of the other bank and that there was a high probability that I will not be reimbursed. 

On XXXX I received a letter from Chase claims Dept. stating that they are working on my behalf with the other bank as XXXX is responsible for reimbursement and they will make a decision on my claim. It may take an additional 90 days or longer.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

Under the limited PSLF waiver that ends XX/XX/XXXX, periods of forbearance are supposed to count as payments. mohela is refusing to count these payments even though they were in hardship forbearance. Attached is a list of payments from their website they are saying don't count. It's now XX/XX/XXXX and this opportunity ends XX/XX/XXXX. I should qualify for forgiveness including these periods.
Consumer complaint received 2022-10-28
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-08-15
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2022-04-08
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: DISCOVER BANK (WI)

This complaint concerns a product I purchased last year and my unsuccessful attempts to get my money back. Im dissatisfied with the product, as well as the actions/treatment from several companies related to the product. The parties involved are Discover Card, XXXX  and XXXX. On XX/XX/21 I ordered a pair of brand new XXXX 's XXXX Regular-fit Non-stretch Straight Leg Zip fly Jeans Rinse Wash ( Size XXXX ) from an online retailer ( XXXX ) for a total of {$29.00}. Upon receiving them, I discovered that they were too small for me. Normally, a size XXXX or XXXX pair of XXXX jeans fit me well, but not in this case. Instead of going through the hassle of returning the jeans and getting store credit for them instead of a refund ( which is often the case with the particular online retailer mentioned above ), I tried selling them on XXXX. Upon receipt of the said jeans, the XXXX buyer accused me of selling fake/counterfeit XXXX  jeans and then returned the pair back to me. I then contacted Discover Card to dispute the charge of the jeans, as I didn't want the jeans nor did I want a pair that could be counterfeit. Per Discover XXXX suggestion to try and work things out with the retailer, I contacted XXXX. They refused to take the jeans back, citing their XXXX return policy. Discover Card sided with XXXX and closed the dispute. Moreover, Discover Card said that they couldnt credit my account as the charge was more than 120 days old. This is not acceptable to me. 

I do not want the jeans. They do not fit me and Im not satisfied with the product. Furthermore, I question the authenticity of the product. The tags are still attached to the item and have not been worn. Im willing to send the jeans back to XXXX  or XXXX. Nevertheless, I want either Discover Card, XXXX or XXXX to refund me my money ( no store credit ) in full. Thank you.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-08
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. (TX)

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXXXXXX XXXX  Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (MI)

I paid off Upgrade my credit card, received email receipt. They did not draw the money out of my checking account and now charging more interest and a late fee claiming its delinquent. 
I've tried to speak with them, representative XXXX states they have a 45 day billing cycle, no they don't according to another rep. I have the emails for both this account and a personal loan also paid in full that they did not pull from my account. The " paid in full '' that was showing is gone and now says delinquent.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, XXXX refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.