davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

In the month of XXXX, JP Morgan closed two of my 2 credit cards and two my of my checking accounts and put me in a limbo. I had no idea why nor for what reason they closed my accounts. I went in and asked and sent a letter in asking why, yet I never received a clear response. Furthermore, I have no idea why a company is allowed to close an account without saying anything. This affected my credit due to the reduction of my credit line.
Consumer complaint received 2022-09-12
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-08
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. (MT)

Equifax XXXX I made several requests to get my credit reports by phone and mail they both refuse to properly update information. Equifax has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. XXXX wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or scoreXXXX XXXX wrong inquiry 's nd collections.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-09-12
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-12-01
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: Experian Information Solutions Inc. (IN)

Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, Experian, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I have been a victim of identity theft through Chime bank my business phone was accessed without my knowledge from my desk drawer and I dont typically use that phone but when I sign into the Chime account in XXXX I noticed there were close to {$620.00} in fraudulent charges I disputed the charges with chime and they refused to comply with XXXX XXXX I have since sent an FTC report police report so they have for their documentation claim number XXXX
Consumer complaint received 2022-09-12
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 am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I didnt mean the council listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-12
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (NY)

My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXXXXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.
Consumer complaint received 2022-09-12
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. (WA)

XXXX Equifax XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent XXXXwo months doing my part and they are not complying with law
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NC)

Customer service representatives did not facilitate the state-to-state transfer in accordance with XXXX  policies or state law. 
Customer service representatives did not take responsibility or accountability for correcting their mistakes in a timely manner on multiple occasions. 
Customer service representatives refused to let me speak to a supervisor on several occasions. 
Supervisors/Specialists did not take accountability or responsibility for correcting the errors and facilitating the transfer in accordance with XXXX  policies. Customer service supervisors failed to assist when it was clear that the representatives had repeatedly dropped the ball and failed to take care of the issue. 
XXXX released my private, electronic financial information to an entity that I did not request nor consent the release be made ; in fact XXXX  released my private, electronic financial information to an entity that I expressly stated I did not it released. 
6. I filed a written complaint with XXXX  via certified mail. A representative called me when I was unable to take a call, twice. I have called back approximately 10 times and left messages with the representative requesting a call back and have not received one. When I call the customer service line, I get a representative who can do no more than what happened for the previous months trying to get this handled. 
7. I am getting emails from XXXX with someone elses name on it which has me highly concerned for the privacy of my own information and what will happen to my title once the car is paid off. 

I need help getting my title transferred to the appropriate DMV in a timely fashion. 

I have a significant amount of detailed additional information about this issue.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

My wife and I took out student loans for XXXX and XXXX degrees. We when to XXXX XXXX University, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX University. 

My wife was fired from her job while on XXXX leave. She has been unable to find a new job over the past few months. I called Navient to help with our payments while she is out of a job. They indicated that I can not voluntarily forbearance my loan and we can not file for economic hardship because out loans are consolidated and I still have a job. However, my job alone does not cover my day to day expenses as my wife made the majority of our income. According to Navient, I am not making under {$20000.00} to declare economic hardship. This is unrealistic as living in XXXX XXXX, NY, if I was making under {$20000.00} I would be living in the streets. 

They lowered my payment for two years at {$470.00} per month. I explained that I will not be able to pay that amount and they told me that this is the best they could do. 

It is upsetting that Navient will not help us and would drive us to not paying our bill rather than giving us an affordable payment.
Consumer complaint received 2022-09-12
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: Client Services, Inc. (CA)

XXXX CREDIT CARD CLAIM AMOUNT : {$6500.00} I had XXXX account number : XXXX XXXX XXXX XXXX ( became acc # XXXX ) I found out on statements 4 fraudulent amount : - XXXX XXXX : {$1100.00} _ XXXX / XX/XX/2019 : {$3400.00} _XXXX XXXX : {$190.00} XXXX : {$1700.00} 4 unauthorized transactions because delivered different address. by the time fraud transactions actions, i am still at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( have document proof ). I did not made 4 fraud purchase below the list, i am not responsible for 4 unauthorized transaction.. 
i move to XXXX XXXX XXXX XXXX CA XXXX 6 moths after the fraud purchase happened. 
NOW, XXXX pushed my account into collections at CLIENT SERVICE, I did try to call them but nobody answered, than i go online ..with reference number is XXXX... .business looks not nomal... ( picture included ) i dont know howto solve this problem for my account. 
CFPB Please help me to solvethis siatuation. im appreciate with all my heart.
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (TX)

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE CBE GROUP Address : XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX TEXAS Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I was mislead into forebearing which allowed thousands of dollars to be capitalized into my loan. There have also been several occasions, when I took online classes, that the national student clearing house declared me as a full time student and Navient immediately put me into deferment, each time I had to tell them not to defer my loans, but that caused a XXXX charge each time. I had to go in one by one and have the charges removed. Even though the charges were added to my principal they refused to give any interest back.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

My online account with Ally would not allow me to make online payments to pay my balance ( monthly payments of {$370.00} ). I reached out to an agent of the Ally auto who suggested I make the payments through money order and send them via mail. My car was repossessed a few weeks later ( XXXX XXXX ), although I have been consistently sending payments through usps mail. After speaking with Ally agents on the phone, I was told that it takes two weeks up to a month to process the payments via mail. This caused my balance to remain up, even though payments had been sent for my account. I have written documentation of trying to get this problem resolved with Ally Auto, and I have evidence of payments sent for the balance. My car was taken due to payments not being processed by the company system. The reason was not because of me not paying.Also during the repossession there was a breach of peace. I was threatened with more fees by the driver and he disconnected my car battery. The driver also may have damaged the car as he towed the car from the wrong end as it is a forward wheel drive. Furthermore, the contract agreed by me and Ally was violated as well. According to law this repossession was illegal conducted.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

Barclay 's Card for XXXX charged interest for the full amount of a purchase at XXXX as soon as their " promotional period '' was over. The majority of the device was paid ( about 300 $ left ) and I was slapped with a 400 $ fee for the entire amount of purchase. I was not aware of this deadline and I was NOT notified by the company via email, mail or phone.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (NM)

I had a baby at XXXX in XXXX, CO, in XX/XX/2015 and XXXX. The XXXX helped me arrange for XXXX to cover the labor and delivery, but the doctors requested that the baby stay in the hospital an extra day before leaving with the XXXX. XXXX did not agree to pay for that extra day. The XXXX and I tried to work with the hospital and XXXX, but the bill is still unpaid, and now a collection agency hired by XXXX ( Global Receivables Solutions Inc. ) is hounding me, ruining my credit and threatening to garnish my ( very low ) wages. The outstanding charge is {$2900.00} and there is no way I can pay that. The collection agency sent someone to my workplace threatening legal action against me.
Consumer complaint received 2022-09-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I was scammed by XXXX parties that claimed to be a loan company, they were going to deposit funds into my account to verify. They sent a check through XXXX  and told me to send it back to them. Well the check was sent back by their bank with insufficent funds. I paid them XXXX out of my checking account which over drew me the XXXX plus an XXXX charge from my bank. Date of occurance XX/XX/2022 from XXXX XXXX XXXX his check was on Chase Bank. I have a picture of his check from my bank. 
Please tell me how to get this money back. Matter a afct he wrote another one for XXXX and sent it to my bank. All my bank could do was close that account and open me a new account.