davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

XX/XX/2020 - Unable to access myEquifax account to retrieve my credit report. I reset the password, but it still wouldn't let me access my account. 
XX/XX/2020 - Still unable to access myEquifax account and now it's locked even after again resetting the password. I called their support line and they had me reset my password again. It was still unsuccessful in getting me access to my account. 
XX/XX/2020 - I called Equifax support again and after waiting close to an hour on hold, they told me they couldn't do anything and my account is still locked.
Consumer complaint received 2022-10-22
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 have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over 35 days ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have two accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX would like the same. Verification of these signature on documents XXXX XXXX XXXX  15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2
Consumer complaint received 2022-03-21
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. (WA)

There are fraudulent accounts being reported on my consumer report. I never gave consent to the furnishing of this information. I have attached the XXXX identity theft reports and dispute letter that was sent via post mail since XXXX. I demand this information be deleted immediately, it is well past the XXXX days given under the Fair Credit Reporting Act 15 USC 1681c-2.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (PA)

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


Citi XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NC)

Getting constant call every Sunday around XXXX PM from a robo call saying their CBE Group debt collectors. They say call XXXX XXXX XXXX, when you call that number you get answer machine that says call during the weekdays. I don't owe any debts so not sure why they are bugging me.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I didnt receive the promotional interest rate. Called multiple times. Received a letter to verify that I would get the promotion. Barclays keeps denying the request. 
Should have been a 0 % interest rate on purchase from XX/XX/XXXX - XX/XX/XXXX. 

See attached document for flyer and letter stating they will make corrections. 

Complaint # XXXX
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (KS)

There was an unauthorized charge to my credit karma account. I reached out to them to dispute the charge. As seen below they they blocked the charge from competing this time and multiple times after that point. On XX/XX/XXXX they allowed the charge to clear. I emailed them to dispute the charge again. After multiple back and forth, they told me to reach out to the merchant. I again explained to them they stopped this charge before and they refused to reverse it. I then asked them to have a supervisor to contact me. At this point they deactivated my card with out my knowledge. 

I then started a deposit into my account from my XXXX earnings from the weekend so that I could get dinner. After the deposit, I went to my account too nice dinner if the cash to my savings account and saw that my card was deactivated and the money I was trying to deposit was not in my account. 

I immediately called Credit Karma and was told they deactivated my card because it was lost ( Which it wasn't ) and they could not reactivate the card. I've tried too reach a supervisor and I have been on hold for 30 mins. And they refuse to reactivate my card
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (TX)

My account was closed without my consent, during a dispute and several charges are on my account and sent to collections. I called customer and was told my pay check was returned to my employer without email notification or letter via mail. I called customer and was referred to collections. I reached out to consumer relations several times and my call has not be returned. I tried to open another account and theres an inquiry on my credit report and my application was denied.
Consumer complaint received 2022-03-20
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. (NJ)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

why does ROCKET MORTGAGE portal/website not reflect what im being told with rocket customer service ( 2 different awnsers, 2 different occasions ), plus adding a late charge.?? first payment due XX/XX/XXXX. paid XX/XX/XXXX. payment was applied to XXXX? and im told XXXX payment ( first payment due ) is now late because they applied it to XXXX. If this is correct they why does not this website/portal reflect this stating " first payment due XX/XX/XXXX ''. Rocket omitted error made twice. WHY ARE THE 2 DIFFERENT AWNSERS IM GIVIN NOT REFLECT WHAT ALL PAPERWORK AND WEBSITE STATE.??
Consumer complaint received 2022-08-02
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. (PA)

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted requests to : TransUnion, XXXX  and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation. 

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

My initial credit limit was {$2000.00}. I never missed any payments or paid late or went over my credit limit. When my balance was around {$1500.00}, they decreased my credit limit to {$1600.00} which made it look like i was close to maxing out my credit limit. This significantly affected and lowered my credit score and my usage limits.
Consumer complaint received 2022-03-20
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: JPMORGAN CHASE & CO. (GA)

On my credit card there is a charge for {$60.00}, I didn't get what I ordered and the company I ordered from is illegally listing a support number to get my money back that does not work. I have notified the XXXX, I want to dispute my charges
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

We closed ( sold ) our property on XX/XX/XXXX. We were owed {$1000.00}. We did not escrow or impound, however the mortgagor applied this refund to escrow. They mailed the refund check to the old address and we never received the check. On XX/XX/XXXX I had called to ask for the tax statements and discovered the error and had to change the mailing address and they put a stop payment on the check. 

A few weeks passed and no check, so I called again on XX/XX/XXXX. The representative confirmed that a new check was mailed to a correct mailing address. 

I called on XX/XX/XXXX because I still have not received the escrow refund. The representative place me on hold and came back stating the the check cleared on XX/XX/XXXX. I informed them that I had not received a check and therefore someone else committed mail fraud. The representative stated there was some confusion in regard to if the check cleared or was placed in unclaimed property on XX/XX/XXXX. 

I checked the unclaimed property for my state and did not see the funds there. I am submitting this complaint because I need my money and the mortgagor has not been forthright with their investigation.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2022-03-20
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. (OH)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CA)

The hardships I have faced financially due to covid 19, have only been MULTIPLIED and the emotional mental destruction caused by Barclays continual harassment, caused me to miss a deadline for saving my company from losing its physical commercial space, which has only caused loss of income and near demise of my small company. 

Barclays Bank of Delaware is a prime example of large corporations bullying and destroying the one man shops and businesses trying to make a new life and add to their community. I call these bully banks and I find it disgusting how they treated me in my state of emergency. 

XX/XX/2020- I need to double check dates/ I am still recovering from a XXXX I had shortly after this incident. And my memories of this event and others are accurate and sharp, but I get my numbers and dates mixed up due to my XXXX XXXX. Triggered in part by Barclays harassment. 

I was waiting for a call from uber help line to fix my account while I was trying ti get to a meeting with the landlord of my commercial space, as he was threatening to evict my shop from his building during Covid-19 which was illegal in itself and I answered a unknown number assuming it was Uber- it was a woman from Barclays and harassing me about my account and demanding when my payment would be made. And why I couldnt pay her now. I explained the urgency to get off the line so I can get Downtown to save my company from losing its space. And she wouldnt let me off. She continues to talk and harass me until it triggered my XXXX XXXX and caused me to have a XXXX XXXX and I finally got off the phone after telling her how unfair and disgusting it is that they lied about not paying your bill for 2 months wouldnt be a problem yet they still report your account to credit beureu as delinquent which continues to destroy credit scores. This is exactly part of the reason I can not restore my credit. 

But not only that- their harassment that day especially- I did not make it to the Dow town meeting on time. 

Why? Because they ensured I would be late by not letting me use my phone to call uber and get out on time. And then as Im about to get a ride. 

The XXXX calls me three times, and barges in on my apartment. Bc that Barclays had called XXXX on me and made them come harass me and delay me from saving my company from losing my commercial space. Without any help or anything, I didnt make it to save my space. 

I was forced to move out in 36 hours. And since then I have had numerous losses and wasted expenses I can not pay for, I have a destroyed credit score because of them, and I can not get a business loan. I only got one ppp loan and it was not enough to do anything to save my situation. I since then have lost over XXXX in lost income. And the mental emotional damages have nearly cost my life. 

Its unfair. Its disgusting. And its really destroyed my life.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MO)

ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reported the XXXX  account for {$57.00} and a XXXX XXXX XXXX account for {$1500.00} on my Transunion account as a violation of code 15 USC 1681B Permissible Purpose. These accounts are fraudulent and violates this code. It has passed 30 days and this issue has not been answered. I have received a response from Transunion on another issue but not this one and XXXX and XXXX has already removed this account from their report. 

I attached a report from XXXX and I will be sending in this same report to the bureau.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2020, JPMCB- Card Service pulled a copy of my credit report. I contacted them within 24hrs to inform them I didnt authorize it. I spoke with their security/fraud department. I also mailed them a total of three letters. I have also contacted the credit companies to dispute this information.
Consumer complaint received 2022-03-21
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: GOLDMAN SACHS BANK USA (FL)

On XXXX 2018, GS Bank Usa., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced GS Bank USA, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

XX/XX/XXXX for driving under suspension. XX/XX/XXXX for disorderly conduct. I need more information about what these two things are for at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Exactly what does driving under suspension mean? What is this for? What disorderly conduct? What does this mean? Where did this happen? What does this involve? How did this get on my background check? Why wasn't I asked about this?
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IN)

I opened a ChaseXXXX XXXX XXXX account in 2021. This account gives cardholders stars based on purchases. The stars can be redeemed for free coffee at XXXX. 

In XXXX, 2021, I did my XXXX shopping and should have received XXXX stars ( its printed on my credit card statement ). The XXXX stars have not been credited to my account. 

I have contacted XXXX and they tell me to talk to Chase. When I contact Chase they tell me to talk to XXXX. I have had several text conversations with both companies. 

The XXXX points are not a large amount of money, and expensive coffee is a luxury. Im just frustrated at being ignored. I didnt do anything wrong- they made a mistake and wont take responsibility for fixing it.