davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 
6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 
7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket
s! 
I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate.
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. (AL)

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed MULTIPLE credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 & XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) Please remove these inquiries from my credit report immediately.
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 with my written instructions.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I have 2 accounts with Chime and the bank they represent.

1 standard checking account and 1 secured credit card.

I noticed unauthorized activity on my credit card. I have it in my possession, so someone must have stolen the number. I reported this to Chime and locked my card. This was the first week of XXXX. 

After more than a week with no help, Chime decided to just lock my entire account. I can no longer access it. I can not pay my credit card bill ( which will hurt my credit ). I can not access my bank account. And they even prevent me from seeing any of my statements. So any more charges will be unnoticed. 

Chimes response was for me to send my Driver 's license, pay stubs, taxes, proof of address, SSN card, billing receipt 's, a picture of my holding my cards, and anything else you can think of. They asked for this despite them warning customers not to share this. 

I gave them a picture of my driver 's license. This was enough to me. Since my account with chime was compromised, I feel it would be foolish to essentially send them my entire identity. 

Chime refuses to let me access my account. I would be perfectly fine just paying my bill and transferring my money to another account. But they refuse. They essentially have taken possession of my credit card and my bank account.
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-27
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Navient ( at the time known as XXXX ) defrauded me in XX/XX/XXXX-XX/XX/XXXX by paying off my student loan counselor ( trips, gifts, etc ) to steer me away from grants and work study and into subsidized loans. The counselors and XXXX were caught and punished but the money was already spent on school. 
I 've tried to get help for this for years. No one gives a XXXX until you folks sued them. 
Worst part was after I completed XXXX school in XX/XX/XXXX I went to XXXX XXXX to start my career and was blindsided by XXXX issues. XXXX did n't care and within 3 years of me being in and out of recovery, my XXXX loans were now XXXX. 
This is a scam. I 've probably paid off the original loans amount only to be here, 20 years later with XXXX in debt.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CO)

I closed on my home in XXXX of 2020. As a first time homeowner I was required to pay private mortgage insurance premiums. I had the option to pay upfront ( about {$4100.00} per month ) or monthly for the life of the insurance ( about $ XXXX/mo for a little over four years ). 
I was told that if I paid up front, but reached the required equity threshold more quickly than expected, I could request a refund of some of the amount. 
Similarly, if I opted to pay monthly and reached the required threshold early, I could request to cancel my PMI payments. 
I opted to pay the PMI up front. 
Earlier this year I was able to make a large payment on my mortgage and reached ( and exceeded ) the threshold. 
The process of requesting the PMI cancellation was ridiculous. You have to know exactly what to ask hen you're on the phone, ( You'd like to " Submit a request to cancel PMI '' ). If you don't have the right lingo, they will hang up on you. 
Once you ask the magic question you get a secret email address listed nowhere else in any documentation or on their website. You send a specifically worded email to that address and then wait for thirty days.

So I went through that whole song and dance and, on day thirty, received an email that said " There are no PMI refunds due to you at this time. '' No explanation. No justification.

Loan Depot stole over {$3000.00} from me. I paid for over four years of PMI and only used a year and a half of it, and they just want to pocket the extra.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PACIFIC WESTERN BANK (CA)

Attempted to verbally inform Pacificwesternbank on XX/XX/21 they are not authorized to receive automatic payments from an account I no longer use. Pacificwesternbank, formerly XXXX XXXX is refusing to cancel unauthorized payments from my financial institution. I spoke to one customer service representative and two supervisors who all refused to assist or refer me to their legal department or resolve in accordance with federal law. Moreover, when I tried multiple times to have the appropriate person within their legal department or supervisory role be made aware they are in violation of federal law they told me to have a nice day and disconnected. I do not want to set up a new payment system until I know that they are operating in accordance with federal law and honoring my attempts to update my information without incurring fees and charges because of their illegal actions.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. These are the inquiries in question : Name of Company Date of Inquiry Type of Business XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (TX)

I am a legal resident of Texas and my vehicle is registered with Texas. I am also a 100 % disabled Veteran that is going through some really difficult financial strain with my fixed income from only the XXXX XXXX. 
I have spoken to my creditors about this situation and have asked for a little leniency while I get myself in better financial stability. This was not offered or respected from this company as they elected to have my only means of transportation repossessed for being 30 days late on a payment. I had to deliver a payment of {$730.00} ( {$320.00} for current and late payment, fee of {$9.00}, and {$400.00} for repo ) on a budget that is not forgiving of any mistakes. Having no vehicle would mean a loss that I would not recover from financially, so I paid what they asked. I am now on the verge of being homeless and my credit is shot so finding another apartment is extremely difficult. 
Also, under Texas law, I am given protection from seizure by a creditor one vehicle for each member of the family with a driver 's license. I have no idea on how to deal with them when I try to discuss my options, to them it's pay-up or repo.
Consumer complaint received 2022-10-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-10
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)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX a lot of inaccuracies of dates of open accounts, dates active, unable to verify account. this is fraudulent account I presume that no proof of the alleged debt nor therefore any such debt in fact exists. Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. (MD)

In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 2016-12-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (KY)

Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. 
I spoke to Equifax about this. They assert that " for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (PA)

Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS
Consumer complaint received 2021-10-27
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. (PA)

For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX  then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, EQUIFAX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.
Consumer complaint received 2021-09-01
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court