davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

In accordance with the fair credit reporting act. XXXX XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed
Consumer complaint received 2022-08-19
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I have been submitting multiple dispute letters and CFPB complaints against you to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have been corrected and or removed a long time ago : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}. Also, you have been failing to send me copies of proof of verification from the investigation you were supposed to conduct. I have my doubts whether you did any investigation at all. Under the FCRA, I am going to request once again to remove the negative marks and statements on the disputed accounts or completely eradicate the disputed accounts themselves.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

US bank is holding a {$200.00} Check Deposit with no explanation given. I have not overdraft or given them any reason to hold these funds. They are making the availability several weeks from the date of deposit. 
I have spoken to a branch manager who requested the hold be removed, which was denied. I have contacted them by phone several times which I have never got a straight answer. Only to be yelled at by a phone banker. They do not treat their customers well, and are going against federal regulations on funds availability.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXX It shows that this account was opened in 2014. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!
Consumer complaint received 2022-07-27
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: LEXISNEXIS (IN)

When reviewing my consumer reports from XXXX, XXXX, and XXXX. I noticed that there was a bankruptcy that was disclosed in my consumer file. When speaking to these companies it was stated that LexisNexis was responsible for disclosing this information to the consumer reporting agencies. It has come to my attention that LexisNexis has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). LexisNexis illegally obtained personal and private information from the XXXX database and sold it to other reporting agencies, including XXXX, XXXX and XXXX. 15 USC 1681b ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave LexisNexis permission to obtain, release, or report any information to any third parties. I sent a letter to LexisNexis on XX/XX/22 addressing these issues and the remedy that I wanted.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (MN)

On XX/XX/2022, paid the remaining balance on my {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Barclay, and called their customer service to request that the account be closed. Barclay initially did not want to close the account, but instead tried to sell me other services. It is only after insisting that I was told that the account was closed. 

Surprisingly, I continued to receive emails each month about an upcoming statement and charges due the following month, and each time I called Barclay to remind them that I paid the remaining balance, destroyed the credit card, and requested that the account be closed. 
Last week, I receive a notification about a delinquent account, and when I checked I noticed that Barclay had taken us to collection for XXXX dollar ( {$4.00} ) and that it has caused both my credit score and my wife credit score to decrease by XXXX points. 

Barclay never notified us of any balance due and again when I requested to close the account, the balance was paid in full. 

I have attached the latest email from Barclay stating that I have a minimum payment of of {$29.00} due on XX/XX/XXXX as proof of this nonsense.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

My partner XXXX XXXX was trying to use the link I have in my account that when applying and gets approved, the person who referred him will earn XXXX advantage miles, however the issue here is when he was trying to use the link he was getting an error message and was unable to use the link. Therefore, he went ahead and applied using the Barclays portal and got approved account # XXXX. I called customer service to report this inconvenience many times that day. Today XXXX I spoke to XXXX, she seemed a bit confused which led me to report this using the CFPB to avoid any misunderstandings and run around. She said a case was created # XXXX. I want to make sure the bonus points will be placed into my advantage account ( XXXX ). It really wasn't our fault that the link Barclays said to use didn't work accordingly.
Consumer complaint received 2022-06-21
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)

i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments
Consumer complaint received 2022-06-21
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 (SC)

I noticed charges on my account, and called to report as fraud. I later found out that a friends child, XXXX  years old, had used my computer and made the charges, not realizing they were real money. The company refuses to take them off of my account, even though the FTC says that I am not responsible for those charges.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file..

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Money was sent to to a lady on XXXX XXXX to hold a couch for me, i have now found out she was a scam! 
I contacted PayPal shortly after the money was sent but they refused to refund and closed the Investigaton. 

Transaction Details PayPal Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX Money sent {$45.00} USD Fee {$2.00} USD Paid with : XXXX XXXX XXXX XXXX {$47.00} USD
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

My complaint is against Chase Auto Finance, I filed an complaint with CFPB on XXXX XXXX, 2020. The reason I filed an complaint against Chase Auto Finance, I paid my truck note on XXXX XXXX, 2020 over the phone, I normally pay it online. I explained to the representative I didn't want my account to go over 30 days, the representative was unsure when my 30 days was due, so he told me it was best that I pay it now. The representative asked how did I want to pay my truck note and did I have account with Chase and I said yes, he asked did I want to use my checking account and I said yes, he read out the account number to me, and asked is that your checking account number, I said yes because that's the only account I have with Chase. After a couple days my payment never process, I call almost everyday until someone told me it was the wrong account number, an account that I close years ago. A Mr. XXXX from chase called and said he was investigating my complaint and he tells me the representative was right for giving me the wrong account number. Mr. XXXX knew that I have never been 30 days late, he knew the representative had given me the wrong account number, so he sabotage the investigation. Mr. XXXX refuse to let me hear the recording and continue to pretend he don't know my address to send me the report. I will file a civil suit against Mr. XXXX and Chase Bank for sabotaging the investigation and damaging my credit report and cause me deep XXXX, and I also my home loan because of this, my payment record was 100 % on all my bills until Mr. XXXX sabotage the investigation.
Consumer complaint received 2022-07-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-06-21
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

I had over 80 small charges, many were for the exact same dollar amount on the same day ( for example {$10.00} shows on one day being charged 7 times in a row ) that I disputed with my bank, PNC Bank. 

I was given provisional credits then they reversed the provisional credits then added in a bunch of overdraft fees to take my account over {$1000.00} in the negative!!! 

I requested a copy of documentation used to make their determination ( which they said they would provide on the notices they sent in the mail ) that the charges were legit and have not received any reply whatsoever. No evidence, no call back from PNC Bank, nothing.
Consumer complaint received 2022-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (TX)

Recently in XXXX, I was shopping for a personal loan. Best Egg notified me that I was pre-qualified for the loan. I spoke with a representative from Best Egg, and decided to hold off until I decide on the loan. On XX/XX/2022, I was notified by email that loan has been " funded ''. However, I did not authorize nor sign any documents related to the loan offer. I called that following week, and explained to the representative that the loan was unauthorized and I never approved the amount to be funded. Nor did I ever sign any documents agreeing to the loan. The representative explained they will reverse the amount from my bank account, and also notify Best Egg 's fraud team that I did not authorize the loan. I explained to the representative that the loan should not be reporting to my credit or any inquiry related to Best Egg should be present. However, recently, I was notified that the loan is now being reported to my credit, even though I spoke with Best Egg, explaining it was fraud. I logged into the account online, and even after cancelling the loan after fraud, the loan still shows a XXXX balance due.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I received a letter from CitiFinancial on XX/XX/18 regarding a change in my credit line. They dropped my credit limit from XXXX to XXXX while my balance was currently XXXX they said this was due to reporting on my XXXX credit bureau but I have had and maintained this credit limit for years without missing a payment. This decrease in credit line will damage my credit further as this left me with XXXX available credit while a day prior I had roughly XXXX available and puts me almost to the point of maxing out my card when next interest rate hits. This feels very predatory and a terrible way to treat customers.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fig Tech Inc. (FL)

this is my XXXX complaint against Figloan i have contacted the company more than 5 times on and account that was opened on XX/XX/2021 they recognize that the account was opened by someone other than me they told me that if i completed a police report and filed it with them that they would remove from all XXXX credit bureaus to date they still not have removed from the bureaus Thank You XXXX XXXX