davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
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. (FL)

I am writing this to get a fraudulent account deleted from my credit history that I did not consent to. I am not sure how or when it was used but I was like this to be resolved as soon as possible.
Consumer complaint received 2022-09-11
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. (CA)

On XX/XX/XXXX I notified Equifax that there was an error with my name on the credit report. I had a legal name change. I mailed my court order name change, Social Security card, bank statements, and copy of my identification card. They said they resolved it and it still has not been resolved a year later. I submitted another dispute with Equifax disputing the same thing on XX/XX/XXXX. Its now been 30 days and I still have no response. Please help me
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Discover Card offers 1 year no interest witn a rewards match, then cancels your card around 11 months when the balance is full. Saddling you w a high interest debt, no rewards points and no credit line : as well as credit damage. The amount of people experiencing this issue mixed with the financial benefit of cancelling match rewards and locking people into a high interest that discover has, and the sheer number of victims on online forums, I believe discover is engaging in this practice with predatory intent. Additionally they did not disclose the cash over purchase interest rates to me. I would like for my account to be reinstated and reported as such to bureaus.
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. (TX)

I ordered a copy of my latest report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my disputed items in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed items below for 100 % accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX XXXX Balance Owed : {$2.00}
Consumer complaint received 2022-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2022 sent legal tender and payoff. WELLS FARGO AUTO never rebutted payment or payoff and did not reply. 
XX/XX/2022 XXXX attempt to payoff and validate debt no response and no rebuttal. 
XX/XX/2022 request to dispute validation of dept and to hold all collections and reporting activities until validated. No response no rebuttal.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Experian was contacted to help me with a fraudulent claim ( XXXX ) by XXXX of XXXX XXXX XXXX. It emanated from incorrect billing data provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX billed the wrong amount and the wrong insurance carrier ( XXXX XXXX XXXX XXXX ) for ER services. My insurance company ( XXXX ) denied the claim since the hospital submitted it XXXX year after my ER visit. My ER co-pay is only {$20.00}. XXXX is charging {$460.00} for a XXXX and XXXX for a XXXX. No XXXX, and no XXXX required. Experian did not speak to me personally about the matter but simply verified the claim with XXXX. XXXX did not contact me and did not follow the Fair Credit Act procedures regarding medical billing disputes. I am trying to refinance my home. Experian and XXXX refuse to remove this negative information that is incorrect. I have also disputed this information with XXXX ( File number XXXX ) and XXXX ( File number XXXX ). I hope the CFPB can help?
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EXPERIAN to remove negative credit reporting activities of XXXX XXXX, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EXPERIAN has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by XXXX XXXX ) subject to public access. I, the consumer, offer this affidavit to EXPERIAN for the refusal to remove negative items/accounts from the consumer 's credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information in regards to the accounts being reported.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

I applied for a travel rewards credit card with Chase bank to take advantage of a promotion for points which were to be awarded for opening the card and spending {$4000.00} within 3 months of account open. 

I applied on XX/XX/2022. The application stated that the decision could take up to 30 days and that I would be notified via USPS mail of the decision. I waited the required time but never received any correspondence from Chase. After the 30 day period I contacted Chase customer service via phone. I was told by the Chase agent that my credit card application was denied. I inquired about reason for credit denial and was told that they do not disclose reasoning for credit decisions. 

Never once did I receive any written communication from Chase about the status of my credit card application nor the reason for adverse action.
Consumer complaint received 2022-10-01
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivable Solutions, Inc. (SC)

My home and cell phone are on the Do Not Call list. I also submitted in writing a letter of Cease and Desist. I received a call this morning from XXXX from Receivable Solutions, XXXX stated that he saw that I was on the Do Not Call list as well as the letter of Cease and Desist yet called me anyway. This must stop.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank closed my accounts on XXXX XXXX 2022. I received the notification letter saying that money ( XXXX USD ) was transferred to my Bank accounts in XXXX ( XXXX XXXX ) on XXXX XXXX 2022 ( transaction confirmation : XXXX ). The bank officer said that I would receive money with a week, but I have not received the money yet.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc (TN)

XX/XX/XXXX and XX/XX/XXXX chime credit builder reported an unpaid balance and tanked my credit score. This is a pre paid card I will never have an unpaid balance. This is happening to a lot of people that are trying to raise their scores not have them destroyed further. I have contacted chime a ton of times with no help in fixing what they did.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

Ive been unable to use my funds that Ive had direct deposited into my bank account. The app blocked and locked my account when I tried to make a payment. Ive called and spoke with numerous reps only for them to tell my account is under review with no explanation as to why and received the same lie that someone from back office will be calling me but I have not received a call. This has caused me to be late in my rent payments and possible being evicted
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed.
Consumer complaint received 2022-09-11
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)

In accordance with the Fair Credit Reporting act 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 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Consumer complaint received 2022-09-11
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. (TX)

On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-11
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. (NY)

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for Equifax, XXXX, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Consumer complaint received 2016-07-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Premier Portfolio Group (TN)

Premier Portfolio Group contacted me stating that they held a payday loan debt from XXXX XXXX XXXX, a company I have never done business with. The representative, XXXX, stated that this was their last courtesy call and that I would face legal action for defrauding the company and would be sued. I asked for confirmation of the debt and was sent a letter via email. I told her that I would contact my attorney and have him call her. Instead, I contacted XXXX XXXX XXXX and confirmed that I had never had dealings with them to rule out something fraudulent being done in my name. The representative from XXXX XXXX XXXX, XXXX, advised that I have no record with them and that this was a fraudulent request. XXXX also stated that XXXX XXXX XXXX does not sue anyone for debts that have been defaulted even if i had something with them. She asked that I report it as well. I contacted Premier Portfolio Group and advised them that I did not owe the debt and would not be paying. The " manager '' that answered stated that she would pursue the account with XXXX County and would note that I had refused to pay. She stated that my case was now closed and they would pursue action. I wished them luck and ended the call. The website for their company is http : //www.premierportfoliogroup.com/home.html. The call I received yesterday was from a XXXX number and today was from XXXX XXXX. The letter they sent stated XXXX.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NV)

My husband and I have XXXX XXXX Business MasterCard accounts. This card replaced our frequent flyer XXXX XXXX Visa Business Card which we were very happy with for over 20 years. Upon activation of our XXXX XXXX Business MasterCard we were ensured that we would earn an annual companion certificate good for XXXX guest to travel on an XXXX XXXX operated flight for {$99.00}, plus taxes and fees, after we spent {$30000.00} or more in purchases since our last account anniversary and maintained our card membership, which we have. We used to receive XXXX XXXX XXXX companion certificates without any difficulty. We have yet to receive the XXXX companion certificate that we are entitled to. We have made countless attempts over the past 4 months to obtain the companion certificate from the credit card issuer, Barclays Bank. To say that we have been treated very rudely by their customer service representatives and supervisors, is an understatement. I have been informed by XXXX XXXX representatives that they have received numerous complaints from XXXX XXXX Business MasterCard cardholders regarding the same issue.
Consumer complaint received 2022-09-11
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)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, 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 2019-12-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, Eqifax had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to  XXXX, Equifax, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on Eqifax., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.