davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2022-08-27
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 XXXX00}
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK (LA)

On XX/XX/2022 - I received a phone call from my bank ( Hancock Whitney Bank ). It was not actually the bank, it was a scam. 

The scammer informed me that my account had been hacked, and that fraudulent charges were being made to my checking account. From there, he stated he was closing my account, ordering me a new card, and upping me to maximum security. 

Mind you, this is all on the banks phone #, and under the guise of upping security / verification of identity, and from there, I gave him a lot of personal info. 

I thought the account was closed and the problem was being handled. I received an email this morning, XX/XX/XXXX, from Hancock Whitney saying I added my card to XXXX XXXX  and if I didn't do this, to call this number immediately. I called Hancock, and fraud department froze my account, and advised me to get to a branch immediately. 

Both the phone number that called me at XXXX and the phone number I called to report the fraud is the same number! 

I've been in close contact with the local bank and police, and it's clear the bank line was " spoofed ''. The resolution is still pending. I have contacted the 3 major credit bureaus and have applied for identity theft protection.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On XX/XX/XXXX I logged into my banking app for Direct Express to check my balance. I noticed some unusual pending charges. I called the bank right away and tried to dispute the charges, but because they were pending I could not open a dispute. They told me they could cancel the card and issue a new one. I received the new card late on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I could not dispute any charges because while waiting for the new card my account was suspended and they could not look up any of my information. I called back on XX/XX/XXXX and opened a dispute on all the charges that had posted even after my card was suspended on XX/XX/XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX {$16.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$18.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$15.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX 's {$9.00} ). They opened a fraud case and sent me a form to fill out. I received the form on Friday XX/XX/XXXX and it stated they needed it back by Wednesday XX/XX/XXXX to continue the investigation. I filled it out and sent it back Priority Express 2 day mail. I received a letter on XX/XX/XXXX stating they finished the investigation and did not find any fraudulent charges and would not reverse the charges back. 

I have not traveled to XXXX XXXX any time recently. I do not have a XXXX XXXX nor a XXXX XXXXXXXX XXXX anywhere near me. I told them this but they still choose not to consider all the charges fraud.
Consumer complaint received 2022-11-03
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: CITIBANK, N.A. (KY)

In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my third attempt to exercise my rights and complain to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting.

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint.

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.

I am more saddened at the fact that my account is open and in good standing and I still can not have the decency of a simple removal that will benefit my family and not hurt this organization what so ever. It shows that the best interest of their customers do not matter. I am also very disappointed in the way the CFPB is allowing this process to continue with little investigation.
Consumer complaint received 2022-07-05
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 XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
Consumer complaint received 2022-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB I requested the consumer finance protection Bureau assist me in closing on a mortgage CFPB case XXXX. My complaint was closed after Chase Bank responded with a false explanation of facts and the RESPONSE TYPE was closed with an explanation. 

CHASE bank sent me information on my home loan with two separate loan numbers. I requested payment history for the life of the loan and this is a legal requirement for home lenders to provide. Whether or not Chase Bank was involved with Loan origination, they are responsible for keeping records for the loans they acquired. They also failed to provide a full payment history on how additional payments were applied. 

I was instructed by XXXX XXXX the CEO at the mortgage department to fax all correspondence to XXXX XXXX. I have gone into the branch to fax these documents to this person. Chases responses was that my request for information was not a qualified written request and are improper. This was never communicated by Chase bank in their response to my request. They also claim that a qualified written request or notice of error should be sent to Chase Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Because documents were faxed to the CEO, it is her responsibility is to get these documents to the proper department. Obviously this was not done. 

There are two loan numbers pertaining to my loan and multiple errors made in the application of payments that were not corrected despite me faxing notice of error to CHASE bank. Example, my loan maturation date is XX/XX/2022, my payments are XXXX a month instead of getting credit for additional payments to this loan, the payments were added to my principal and now my loan balance is XXXX vs XXXX.Origination date stayed the same CHASE bank CEO then sent an apology letter stating the bank had made an error in calculating my principal balance but no accounting was provided. I am currently working with an accountant who can verify the validity of my claims. Ex. I sent CHASE bank a copy of my first year of double payments to this loan showing that my principal balance had decreased to around XXXX in XXXX this was not reflected on CHASE documents and they failed to provide me within explanation on how they calculated the principal balance when they did start servicing my loan. I am requesting assistance finding clarification and truth in lending with my loan mortgage payments for the life of my loan, I understand my loan was not originated with CHASE but they should legally have records of entire loan history. 

I would really appreciate CFPB assistance in working with me to resolve these unfair and what appears to be illegal banking processes by CHASE bank. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-05
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. (GA)

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 Equifax says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

Company sent me a letter asking for collections regarding a debt owed to XXXX in the amount of XXXX. I just called XXXX and verified that I have no balance due on my account. This company is making false claims and threatening to report it on my credit report if I do not respond in 30 days. 

I have sent in a letter disputing their claims as false.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

I used my citibank debit card at XXXX. Soon after I received an email from citi bank asking me did i make the transaction and to confirm if it was me. I said yes and it said that my card was available to use again. Shortly after my account was locked, i couldnt use my debit card nor could i login online or view my bank statements. I called and they said a letter would be sent in the mail with a reference number. 7-10 business days went by and absolutely nothing came in the mail. I have been calling citibank for over a year now it is XX/XX/2022. And i still have been getting nonstop runarounds and transfers between departments only for them to tell me they arent the ones who placed the lock on my account. It is extremely frustrating not being able to have access to my account or my funds. I have not done anything wrong as a citibank client their business practices are UNETHICAL.
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

i have written Navient letter on 2 times requesting to stop calling me and to contact me by mail. they have yet to do so. they have contacted me every day 2 times a day since the phone call in XXXX.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

Money was taken out my account that wasnt authorized several times through XXXX. My account was compromised because my phone was stolen during the time of these transactions. I was a victim of sim swap scam and fraud.I called us bank and they refused to give me my money back. A total of XXXX dollars was taken out my account. I even had to open new accounts because of these issue. Which is bank will have documentation of. 

Here the amounts and when they were taken out. 

XX/XX/2021 ( {$900.00} ) XX/XX/2021 ( {$1000.00} ) XX/XX/2021 ( {$300.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$600.00} )
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (FL)

Evidently banks can now close an account after only a brief period of inactivity and hide your money. I received a letter [ Copy attached ] saying My account at DISCOVER CARD BANK containing {$25000.00} + dollars was closed. I never authorized such, When I called asking for my money. .they claimed they mailed me a check which, they claim was deposited.. I NEVER RECEIVED SUCH. A CHECK. 
When I asked to see a copy of said check they claimed they couldn't find it. 
When I asked where it was deposited, and by whom,, '' THEY DON'T KNOW ..... 
I'm a widow of a veteran PLEASE HELP ME GET MY MONEY BACK..
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name that does not belong to me.
Consumer complaint received 2022-11-03
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: PLS GROUP, INC (OK)

XXXX XXXX of 2022 I called into XXXX to cancel my card because there were charges on my card that I did not authorize, So today XXXX XXXX of 2022 I went in and got a new card and disputed the charges, Today is XXXX XXXX, 2022 Same day as I got the new card and my payroll check was put in my account there were three separate charges to a place called XXXX which drained my account. I called in as soon as it happened and a account specialist told me to wait until the payment processed to make a dispute? This is the second time this account has been charged fraudulently. When I looked up XXXX Today online it said it was fraud and a scam warning. So now I have absolutely no money and I have children I need to take care of please tell me how this can happen within just a few days and on a card I just got today. And there is no way they can decline the charges its wrong. XXXX XXXX XXXX! A {$93.00} purchase occurred at XXXX. Available Balance is : {$480.00}. REPLY STOP TO OPT OUT. XXXX A {$150.00} purchase occurred at XXXX. Available Balance is : {$330.00}. REPLY STOP TO OPT OUTXXXX! A {$170.00} purchase occurred at XXXX. Available Balance is : {$150.00}. REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$55.00} purchase occurred at XXXX XXXX XXXX 
vailable Balance is : {$97.00}. REPLY STOP TO OPT XXXX! A {$29.00} purchase occurred at XXXX XXXX. 
Available Balance is : {$67.00}. 
REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$34.00} purchase occurred at XXXX. Available Balance is : {$32.00}. REPLY STOP TO OPT OUT
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (PA)

I opened my account with Discover Bank a few months ago and deposited {$12000.00} into my account. 
On XX/XX/XXXX they suddenly closed my account for no reason, and Im unable to access my fund since then. When I contacted them they said they would send my remaining fund through check within 2 weeks, but after 7 weeks I still didnt receive anything. 
I tried to contact their security department by XXXX but they were on hold forever, I was on the line for several hours listening to hold music multiple times but nobody ever picked it up. When I call their other departments they always redirect me back to the security department so I have no other way to check the status of my fund now. 
This is very very frustrating!!!
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OK)

The bill was sent, the balance was paid in full by the due date, but Chase XXXX decided they want to bill an additional {$10.00} after the balance was paid in full. They refuse to make corrective action and are sending falsified bills because they will charge however they please even when the balance is paid in full after complying with the funds requested by their statement.
Consumer complaint received 2022-06-21
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. (NC)

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