davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX, NC XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Inquiry : XXXX XX/XX/2020 Collecons XXXX XXXX XXXX XXXX  XXXX Experian Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX XXXX 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX, NC XXXX Collecons : XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I moved from said residence and terminated the service but XXXX continued to bill me. Once I was made aware of the bill they were not willing to work with me to resolve it prior to it reflecting on my credit report. It's not fair for me to be responsible if I gave notice and was under the impression that the account was closed. XXXX failed to disconnect the account.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX 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 2018-11-03
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. (AZ)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX ( account reported duplicate )
Consumer complaint received 2018-11-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Drees Company, Inc. (VA)

I have a current loan application for a brand new construction home with XXXX XXXX. Lender is First Equity Home Mortgage. It has been in process since XXXX of this year and closing should be XX/XX/2018. I was supposed to receive XXXX at closing for using this lender because I receive closing costs for having a XXXX loan. He has received my paystubs for the past 5 months and has my offer letter when I started my new job In XXXX. Yesterday he called me to say I was not going to get the XXXX  loan or the XXXX at closing because I worked some overtime and went over the income limit. I told him why he didnt say anything about the limit since he has been receiving my paystubs for 5 months. He said he didnt know I was hourly! He has my job offer letter! He didnt even look at my paystubs once before yesterday. He also said he was late to request the appraisal and and would not have closing docs ready for XX/XX/XXXX. I already had those XXXX compromised to pay back a loan of XXXX I did to pay an account. I have to pay it back after closing. I also have a large number of contractors scheduled to do extra painting, install blinds, deliver furniture, washer dryer that I cant cancel. This lender has not been accountable at all. I am renting and have to leave my apartment on the XXXX. He just said I can have an FHA loan but dont get my money and have higher interest. He screwed me so bad I dont know what to do.
Consumer complaint received 2022-10-25
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: National Credit Adjusters, LLC (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

In a 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account nor open end consumer ate focredit plan as lr any purpose.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NY)

I received An email that there was a major derogatory on my credit report and I was Checking and it said there was a collection from XXXX and XXXX for {$370.00} I believe someone is using my identity because few months back I received a call from a bank asking if I was trying to purchase or apply for XXXX and XXXX and I said No and they said thank you for confirming its not you. And today it says it Was in collection.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX I been banking with your bank since XXXX. I had over half a million dollar in my account. I visited the XXXX office to do a transaction in XXXX XXXX. The banker took a copy of my green card and my social security office which I never understood the reason why she asked for them. Few days After I received a phone call from one of your an unethical banker from the XXXX office to apply for a credit card. I informed the unethical banker that I dont have a need to have a credit card. She informed to please get the card so she can meet her goals. I agreed to apply for regular credit card not secure card. Shortly after, I noticed a withdraw for {$5000.00} from my account. I immediately called the bank and said they applied for a secure credit card. I informed her I never agreed for the secure card. She apologized and asked me to keep the card. I never received my Wells Fargo credit card. I dont reside in the states and dont understand their system. On our last trip to USA I discovered that I am on bad credit when I applied for my son for student loan to go to XXXX XXXX. The banker asked me to pay for the card to not get my credit report damage further and instructed to file a fraud claim. I filed a fraud claim and police report over a month and half ago. No solutions been accomplished yet. I would like to bring to your attention that we were out of the country during the whole period of the card being used. Please find attached a copy of our passports and tickets. The attached documents prove that we spent from XXXX XXXX to XXXXXX/XX/XXXX in the USA. Our next trip to USA was from XX/XX/XXXX tillXX/XX/XXXXXXXX. 
My Social Security Number is XXXX. My husband by name of XXXX XXXX XXXX XXXX also encountered the same fraud from the same banker and bank on the same day. His claim was approved and my claim was declined. 

XXXX, the times we spent in USA throughout our lives were as follows ( as proved by the documents ) Mon XXXX XXXX XXXX Till Fri XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX As you see from the pattern of our travel, we spend around15 days in the USA every 6 months
Consumer complaint received 2018-11-03
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-11-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Clarity Services (AZ)

After already submitting CFPB Complaint # XXXX Clarity Services Incorporated responded to my complaint with the following : " In response to this complaint, on XX/XX/2018, Clarity Services ( Clarity ) contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/2018 and XX/XX/2018, Clarity followed up with the consumer to request the information necessary to assist with their concerns. As of XX/XX/2018, the consumer has been unresponsive to Claritys attempts to assist with their concerns. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is not true I attempted to call them back at the number I was given by the representative XXXX. When I call the number it was an automated system I waited on hold for 45 minutes but no one answered, so I left a voicemail. After I received a second voicemail message I decided to send them an email which was sent on XX/XX/XXXX requesting a response. 

They must not answer their phone, check their voicemail, or check their email, at Clarity services inc. 

I did respond to their voicemail and made several attempts to contact them. Their response to my cfpb complaint was not aligned with the facts.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-02
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: JPMORGAN CHASE & CO. (MO)

There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is Chase Card, with a XXXX credit limit.
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I noticed 3 unauthorized charges on my checking account. It was 3 separate transactions done at XXXX XXXX at XXXX XXXX  for {$720.00}, XXXX XXXX for {$560.00}, and at XXXX XXXX for {$760.00}. I checked my account at around XXXX XXXX that same day and upon noticing the charges I immediately called my husband to let him know what was happening. I also asked my boss to let me go down to the Chase bank down the street, he said yes. Once I got to the Chase branch they called the help line for fraud, they asked if I still had my debit card on me and I said yes, because I did and I showed it to the banker. I asked her how this was possible if I still had my debit card on me and she said it could be something called " skimming '' and she advised me to use my credit cards for all purchases from now on. I was told by the person on the phone that they could email me an affidavit that they needed me to return signed so that they could open the investigation. I agreed to having it emailed.Five days later ( XX/XX/2018 ) I had not received anything to my email so I walked into another branch where someone assisted me and they fax in the signed affidavit ( where I say that I am in possession of my card, and that NO, I have not given my pin to anyone else nor did I approve {$2000.00} in charges at XXXX XXXX ). I was assured that Chase would look at everything, and investigate thoroughly before making a decision on the claim. Today, XX/XX/2018, my husband ( who is a joint owner of the checking account ) received a letter in the mail saying that the claim had been resolved. We called the number on the paper, once we got someone on the line they told us that the claim had been denied. It was denied because the card had been used with the chip, and there was no incorrect tries entering the pin. I've asked if they can say with 100 % certainty that a chip reader was used, they wont tell me. My husband asked why does the checking account say that the transactions happened at a XXXX XXXX in XXXX XXXX, but when you click on it for details it says it's located in XXXX, TX which is actually almost 3 hours from where we live? I explained that I was at work the whole time with my card, while these transactions were happening and I have time sheets/location services that can prove it. They are still denying my claim.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

To whom it may concern ; I have been doing everything I can in my power to let Citi-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to Citi as well. Now they aparently have sold the account to another company - XXXX XXXX XXXX XXXX - XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. Citi already know about it and they tried for me to pay them even I show them the police report.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I took a trip to XXXX XXXX XXXX, since the flight was delayed, and the car rental company we booked was closed when I landed around XXXX XXXX the next day, I decided to rent a car for one day with XXXX  car rental at the airport, the cost for one day was {$120.00}, plus fees and tax, so the total should be around {$180.00} ( see attachment 1 ). I returned the car the same day XX/XX/2022 around XXXX XXXX a total time of XXXX hrs, then I found out after the trip that we were charged {$840.00}, around {$670.00} more than I was expected ( see attachment 2 ). Based on the receipt, the extra {$670.00} was because I was charged a {$500.00} fee on extension and tax and fees associated with it. Later, I started a dispute with Chase over the transaction, but chase failed to protect its customer, believed this was valid. It shows clearly on the receipt that the overstay/extension fee is $ XXXX ( highlighted in red in attachment 2, I only rent the car for around XXXX XXXX and returned it the same day. Why the extension charge was valid?
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed.
Consumer complaint received 2022-08-17
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. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without my written instructions.