davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Equifax and help me get these resolved.
Consumer complaint received 2022-04-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Tally Technologies (NC)

I hope all is well I know I qualify for the loan with Tally I checked all the guidelines several times on line. My credit score is good its XXXX and I have not ever been late on anything on my credit my whole life and Im XXXX. Im not for sure what is going on but I would really like 3 or 4 of my credit cards paid off so I would have XXXXne payment instead of several. I have unfrozen my XXXX account several times and I even wrote them a certified letter to unfreeze and they keep saying its unfrozen so Im not for sure what the issues really is. This really needs to be look in to because I know I qualify so Im not for sure why when I have tried several times to get the loan I havent received it. I can assure you that I qualify for Tally. Please help me something is going on here and it isnt right. Thank you very much for your time, I truly appreciate it. Have a wonderful day and please be safe.
Consumer complaint received 2022-04-07
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. (CA)

I booked a ski rental with XXXX XXXX XXXX XXXX through XXXX for 2 days, from XX/XX/XXXX to XX/XX/XXXX. Check in time was XXXX. We arrived in XXXX early and purchased {$400.00} worth of groceries. 

At XXXX, 4 minutes ahead of my check in time, I received a call from XXXX XXXX  stating the door was broken and they had no time estimate for when we could check in. I attempted to call back 3-4 times over the course of nearly 4 hours while we sat in a snowstorm with poor service and a warming-up car full of perishables. During that time we attempted to book a different property, but nothing was available to house 7 people at short notice. Finally, at around XXXX, we were able to get into the house. 

I attempted to resolve the issue with XXXX XXXX, who had offered an empty promise of refunding the {$380.00} cleaning fee, but they deliberately avoided me. This prompted me to go through Chase Sapphire Reserve. 

On XX/XX/2022 the Chase rep assured me this would be resolved, stating " it is easier to ignore consumers than large banks. '' This temporarily removed the balance of {$1800.00} from my account. 

In XXXX I received a call from another Chase rep stating that they can't refund the full amount, but he could confidently get back half ( {$920.00} ). He even said " I agree you should not have to pay the full amount given you did not receive services as described. '' He also mentioned the merchant offered to return the cleaning fee, which I was unwilling to accept given the amount of my time they wasted. 

Finally, on XX/XX/2022 I received a letter stating the full amount was valid. When calling chase, they told me I had no options other than " to go to a chase branch and fax in an appeal, which is unlikely to succeed, or report the company to the XXXX '' I am now left with no other options and feel swindled.
Consumer complaint received 2022-09-30
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, Has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

Someone opened a credit card account at Wells Fargo in my name. There is a balance of over {$32000.00} and it is delinquent. I dont not have an account with Wells Fargo
Consumer complaint received 2022-04-06
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)

I contacted XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( which is the address listed on my credit report ) on XX/XX/XXXX and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$17000.00}. I also informed XXXX XXXX XXXX, LLC that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX Lofts '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I have NEVER lived at that complex or done business with XXXX lofts. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. I appreciate the CFPB 's assistance in the matter. Best,
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

i recently received a copy of my XXXX  credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and XXXX gave credit card companies access. these hard inquires seem to be fraudulent.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I filled out the Public Service Loan Forgiveness ( PSLF ) and mailed it to MOHELA early XX/XX/2022 ( forms are dated by employers around XX/XX/2022 ). My qualifying employers are the Social Security Administration and the Department of Labor, both federal government organizations that qualify my Direct Loans for forgiveness. In XXXX, I received a letter, dated XX/XX/2022 from MOHELA stating that " you or your employer did not answer questions 9-12 in Section 3 confirming your organization type. '' However, both my forms have checked the YES box in the above reference question number 9 which asks " is your employer a governmental organization? '' If Yes, Skip to Section 4. Therefore, questions 10-12, as well as 13, are not applicable so both my employers skipped to section 4, as the form directs, which is Employer Certification and signature. 

I have tried to call MOHELA but can not get through to anyone.
Consumer complaint received 2022-10-21
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. (GA)

I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX XXXX  -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate.
Consumer complaint received 2022-10-21
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. (TX)

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Consumer complaint received 2022-04-06
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. (NC)

In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.
Consumer complaint received 2021-09-01
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: REGIONS FINANCIAL CORPORATION (MO)

In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX  but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?
Consumer complaint received 2022-10-21
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. (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 719tXXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-24
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. (MI)

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Transunion, the accounts were claimed to be investigated or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX - # XXXX, DEPTEDXXXX - # XXXX, XXXX  - # XXXX, XXXX  XXXX - # XXXX, XXXX - # XXXX, XXXX  - # XXXX
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

Checked balance of VanillaGift Card XXXX XX/XX/2022 and saw a fraudulent purchase made XX/XX/2022 XXXX. to XXXX. XXXX in the amount of {$290.00}. I did not make this purchase and I have never heard of this company. 

I immediately called the phone number on the card and was told to go online and file a dispute with VanillaGift Card and they immediately cancelled the card. Please see attached Dispute Packet filed and sent to InComm.Inc.
Consumer complaint received 2022-04-06
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. (AL)

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2022 I received an email from XXXX to authorize or decline an invoice. I did not click on the link in the mail. 

I went to my XXXX account online and with the two step authentication and declined payment of the invoice of {$550.00}. 

I then called the phone number listed within the XXXX message because it was suggested that I call. 

On the XXXX page listed a phone number that I called. ( XXXX ) XXXX. I reached out to someone on this number who said he was from XXXX and he would help me reverse the charges. 

He asked me to add an app. I said this doesn't feel right. I deleted the app later so I don't recall the name. 

He said that there were numerous other charges from XXXX and XXXX in addition to the original one I was calling about. He said that he could help me fix it and get my money back. 

We went to the XXXX app and he had me add email addresses and buy XXXX. He said that we had to enter it this way for a refund to my checking account. I said I don't see any credit in my checking account by doing this. I was assured that I would be refunded the amounts. It would take time to refund. A total of {$420.00} was charged with XXXX using my Chase Visa/debit card. 

At one point he said that he could not hear me and would call me back. He then called from another phone number. 

I am embarrassed to say that I was tricked and scammed. 

You need to know that I called this number from the XXXX website. The phone number was not in the original email they sent me. 

I suspect the scammer was the original person I spoke to and may very well be working within XXXX. He then had someone else call on a different phone number to scam me. 

I stopped when my bank called and suggested that I hang up from the guy because there were numerous suspicious charges on my checking account. I hung up and the scammer continually tried to call me back. I did not respond. 

It has taken me hours to try to figure this out. 

The Chase  initially replaced the money that was taken from my XXXX and XXXX accounts. They did research and determined that the fraud was done on my own phone and they removed the money from my account. 

Following are the amounts taken from my Chase  checking accounts that were not by me. The person said he was from XXXX removed this money : XXXX {$420.00} XXXX {$800.00} Chase  initially put money in my account due to fraud after I called and identified the fraudulent charges. 

Later on XX/XX/2022 and XX/XX/2022, Chase removed this money from my checking account because they said the fraud was done on my phone by me.
Consumer complaint received 2022-04-06
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. (FL)

I have new and updated information regarding my Equifax consumer credit report and file. There are inaccurate names and addresses being reported on my behalf. Pursuant to 15USC 1681 ( a ) ( 1 ) the banking system depends upon fair and accurate credit reporting. Furthermore, consumer reporting agencies ASSUMED the vital role of assembling and evaluating consumer credit and other information on consumers. However, I did NOT provide Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15USC 1681b ( 2 ). Equifax is tarnishing my personal reputation and violating my federally protected consumer rights.