davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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. (MD)

During the Federal Government shutdown of 2019 I requested a loan deferment from XXXX XXXX XXXX XXXX ( XXXX ). I submitted all required documents electronically. In XX/XX/2019 I received a letter from XXXX stating their intent to repossess my vehicle. Confused I immediately contacted customer service to be informed by the representative my loan deferment application was received on the day I sent it electronically but it was never processed. After resubmitting I asked if they can remove the late payment from my credit reports since the error was on their end for failure to process my document.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

I called Spot Loan on the XXXX of XXXX at XXXX and spoke to the company representative, XXXX. I explained that I had joined the military and am now XXXX XXXX, and wanted to invoke my SCRA rights of lowering the interest rate to the XXXX XXXX cap. I also requested for the interest rate to be backdated to the date I joined the military, XX/XX/2022, and to be repaid for the payments made since then. 
He placed me on hold, and then transferred me to the floor manager, XXXX, at XXXX. XXXX said that they can not change the percentage rate @ XXXX XXXX interest, and that there was still a balance due according to the original payment agreement. He refused to lower the rate, and to extinguish the remaining balance.
Consumer complaint received 2022-09-21
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates (GA)

I received a call from a collection agency, Hollis Cobb dba Patient Accounts Bureau a few days ago, regarding a debt I do not owe to XXXX XXXX of XXXX. I have never received a statement, email, call or text to inform me that I owe a balance. I have received XXXX XXXX 's from my secondary insurance, because XXXX XXXX keep filing the claim incorrectly. I contacted them after the first XXXX  to inform them of the correct primary insurance information. I do not owe a balance because they have never properly filed a claim with my primary insurance. Now I am being harassed for payment I do not owe by a collection agency. This is unacceptable!
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TN)

On or around XXXX to XXXX, Eye saw alot of free approvals on credit karma and Eye still get these notices sent to my email currently. Eye would pay such notices no mind until recently Eye was made aware via social media that the Federal Trade Commission ordered Credit Karma to pay out {$3.00} XXXX for false claims regarding credit scores. Credit Karma has continued sending me pre-approval for credit cards informing me of being pre-approved for credit cards, personal loans and car insurance offer. Everyday Eye would see offers whenever Eye would log in to check my credit score. After a months or so of being informed via email that Eye was pre-approved, one would only assume that they are in fact positioned in such the perfect place to apply. Eye received several offers through credit karma and Eye started making plans to do things with my family that Eye wasn't able to do before hand with being pre-approved for credit cards etc. Eye applied for loans and have been denied. Not only is this false and misleading, unfairness and abuse but it is also deception. Employees of Credit karma telling me that Eye was approved not only constitutes lies and deception but using someones personal information to pre-approved them for something constitutes identity theft. Such events cause stress, XXXX and XXXX which is one of the reasons Eye go to therapy. These events are the reason many people are poverty stricken and they give up on life because of having their personal information stolen that benefits others and not the original beneficiaries.
Consumer complaint received 2022-09-21
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. (NJ)

I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I bought a apartment on XX/XX/XXXX and I submitted a request form to Chase Bank to waive my PMI on XX/XX/XXXX. The Chase bank scheduled appraisal for my apartment on XX/XX/XXXX and I got the BPO price $ XXXX for my apartment and it reached LTV ratio 80 % to cancel PMI. The Chase bank revised the appraisal report personally for $ XXXX. 

On XX/XX/XXXX I received a appraisal report from Chase which shows BPO price $ XXXX and the appraisal information was wrong : 1.I have three garage parking and appraisal report shows only have one. 
2.I have a deck and the appraisal report shows none 3.There were a lot of recent sold similar property but the report shows there was a lack of similar comps in this area. 

Above all, the Chase bank hide the original appraisal report revised appraisal report price so that I can not cancel my PMI.
Consumer complaint received 2022-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I made a principal payment of {$9900.00} on XX/XX/22. US Bank withdrew {$9900.00} from my XXXX XXXX checking account. However, US Bank has not given me credit for the principal payment. US Bank shows on my account activity a payment of {$9900.00} and then a payment reversal of {$9900.00}. When I spoke with customer service manager, I was assured that the {$9900.00} would be returned to my XXXX XXXX checking account. When after nearly a week I did not receive the {$9900.00}, I called back US Bank. I am now told by the customer service representative that the {$9900.00} seems to be lost in the process and was told an investigation has been requested. The investigation will take about XXXX business days. I want the {$9900.00} returned to me immediately and I do not want to be charged the interest on my XXXX  loan for this amount while my money is missing due to the fault of US Bank.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I was informed of the recent {$3.00} XXXX dollar settlement of CFPB Vs Wells Fargo bank. Wells Fargo bank was supposed to send all financial obligations to those who had an account with them from XXXX. I have had a Wells Fargo account since XXXX and continue to have an account in XXXX. I received no email notification, no letters, and no checks regarding this settlement case. 

Is there any way my case can be reviewed to ensure that I do qualify for a portion of the {$3.00} XXXX dollar settlement?
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief. 

Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures. 

I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back. 

I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit card.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MN)

My vehicle was in a collision with a bear and was determined a total loss by XXXX XXXX XXXX. Insurance called JP Morgan Chase, got the payoff amount and the address to send the check, on XX/XX/22. on XX/XX/22 I get a letter from Chase stating I am behind on my auto loan. I verify with insurance that the check was sent and called Chase. The XXXX  representative told me that the check was received XX/XX/22 but I would need to be transferred to the loss department of Chase due to an issue. That person told me that the check was lost and he had placed a work order to have it investigated. 
When I informed my insurance of that they said the check was already cashed and they had received the check back. So I called Chase back again, and they put me on hold to call my insurance company. When they got back on the line they stated that my insurance had sent the check to the wrong address, my insurance had provided them a copy of the check, and they were opening an investigation. I should hear from them soon. 
XX/XX/22 I get a letter from Chase requesting I send them a copy of the check my Insurance sent them.

I call Chase to ask what is going on and the representative tells me that the work order that was placed in previously was mishandled and he was re-submitting the work order more detailed and would follow up to make sure it is handled properly. I vent my frustrations to him that this process is taking too long and I am wondering if I should seek legal counsel. I was told that was my choice but processes like this with a vehicle total loss can take up to 3 months and to blame my insurance company for sending it to the wrong location. I instruct this person that my insurance company retrieved the address from Chase and that a representative told me that Chase had received the check on XX/XX/XXXX, which he confirmed and all they had to do was credit it to my auto loan and this would be done with. He then admitted that the Check was received but was deposited in the wrong account, and would be fixed soon.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

I initiated a wire transfer on XX/XX/17, the following business day Ally Bank froze my account. It's been 7 days that I can't login to my account or access any of my funds. I called their " Loss Prevention Line '' and answered the security questions requesting that they unfreeze my account but they keep saying they are looking into it and never get back to me in a timely manner. I don't know how long more this is going to go on for but it's unacceptable.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX  I called XXXX  Mastercard in regards to my {$63.00} in cash back rewards. I stated I wanted to keep it opened in order to use my rewards. On the next day I made a purchase for {$14.00} and on the XX/XX/XXXX my account was closed, forfeiting my cash back rewards.
Consumer complaint received 2022-06-27
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)

n accordance with the Fair Credit Reporting act XXXX XXXX Act # XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Act # XXXX have 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 2022-11-29
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: U.S. BANCORP (IL)

This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS.

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. 
I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. 

Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. 
Thank you.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-28
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)

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items listed below : 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 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 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
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

Equifax XXXX XXXX continue to negatively report my status with XXXX XXXX Bank. I launched a dispute with XXXX XXXX Bank who agreed they were in the wrong in 2019. They corrected the information with XXXX, but Equifax XXXX XXXX are still reporting this negative information even though XXXX XXXX Bank has agreed the issue is null. I have been battling this negative reporting of XXXX XXXX Bank against me for almost 7 years- and I worked with them and PAID OFF the account and this is how I get treated!!! It's time to get this information off of my report!!
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 I sent someone on XXXX {$1300.00} for a bag. After the money was sent they blocked me and I never received the item I paid for. I filed a claim with my bank, Wells Fargo bc the money came from my checking account but they denied my claim. The Wells Fargo representative who helped me file my claim said I would be able to get my money back but the following XXXX they denied it and I did not get my money back and they said it was my fault.