davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Late payment reported ( {$76.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope BARCLAY BANK CARD can over look this one time mistake and erase the late payment. Credit card company : BARCLAY BANK Credit card : BARCLAY XXXX rewards card
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I received a large amount of money as a gift, was told by the Chase Bank representative it will be available in 2 days, she circled on the receipt 2 days later it would be available, never mentioning it might be further delayed. Only to find out they extended the hold on the gifted check another 7 days. The day I inquired about it they said it is on a 7-day hold. I do n't have the money available to me and the person who gifted me the money tells me it has been taken out of his account. Now Chase does have the money and they are making interest on it for the added 7 days, not me or the person who gifted me the money. They made me feel like a criminal for something that I did n't do anything wrong.
Consumer complaint received 2020-11-27
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: U.S. BANCORP (FL)

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OR)

I placed a complaint here on XXXX XXXX, XXXX about US bank closed my checking account and my two savings accounts on XXXX XXXX, XXXX, today XXXX XXXX I have n't received the checks from my two savings accounts. 
complaint ID XXXX. 
Today 's complaint is that with no reason US bank credit card mailed me two letters on XXXX XXXX advising me that they will also close my two credit cards that I have with them 12 years ago and 3 years ago. I have called and let messages to the account 's manager and number on my letters but not answer any of my calls. 
On XXXX XXXX US bank credit card sent me an email with an offer because my good standing on my credit cards and they increased my line of credit in XXXX dollars more for a total of XXXX in on credit card and XXXX in my second card. 
Today as every Friday since XXXX XXXX I went back to XXXX XXXX to ask about my money from my savings and they told me that my two credit cards are closed now since yesterday. 
This closure have to be related to my previous complaint and it is impacting me tremendous because I care a lot for my credit score, my two credit cards were in good standing and with a 100 % on time payments, As we can see US bank has personnel doing a really bad job and are destroying Loyalty customer like I am, I was really happy with US bank because the fixed my credit when I needed and they also gave me my car title before I even paid it because for my good credit they offered me an unsecure loan and I gain may car. 
Today I am frustrated, no answer in the branch and it will cost me time to fix my credit score again. 
I did and give my information when the bank needed the probe are attached.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as the 15 USC 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

For over a year now, I have been trying to clean up somethings on my credit report by disputing through the credit reporting companies and every time my scores drop extremely! Today I lost 29pts because I disputed to have some accounts removed but they still remain on my credit report so why did I loss 29pts for something that didnt change. I pay all my bills on time my credit score should be at 650/ 700 I have lost so many points just trying to fix my credit. I feel like we as consumers we are being treated unfairly for trying to fix things in our credit reports. This is unfair practice.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Comerica (PA)

SSI was to put my monthly cash on a Direct Express card, I was really supposed to have the money go into my checking account. SSI messed that up totally! 
However, they said they mailed me a direct express card, i never received it!! All of my bills are past due, and if someone finds the card, they will have my SSI for the month!! 1 I attempted to call Direct Express for 2 days, I WAS ON HOLD FOR OVER 8 HRS TOTAL!!!!!!!!!!!!!!!!!!!!!!!! 
AND DISCONNECTED SEVERAL TIMES!!!!!!!!!!!!!!!!!!!!!!! 
NOW, MY MOTHER LITERALLY JUST DIED ON XXXX XX/XX/XXXX, I AM ALREADY AN ABSOLUTE XXXX, NOW THIS TOTAL XXXX TO BOOT????????????????? 
DIRECT EXPRESS SHOULD BE SHUT DOWN, THEY ARE XXXX, AND DO NOT HAVE ANYWHERE NEAR ENOUGH PEOPLE WORKING THERE!!!!!!!!! 
I NEED THE CARD NOW, I CAN NOT WASTE ANYTIME BY GETTING A NEW CARD, MY CAR INSURANCE IS PAST DUE!! A STATE REP TOLD ME THAT THEY WOULD OVERNIGHT A CARD, THEY WERE TOTALLY WRONG, THEY SAID THEY CAN EXPEDITE ONE IN 3 DAYS BUT WANT TO CHARGE ME {$20.00}!!! I BARELY GET ENOUGH MONEY TO SURVIVE AS IT IS. I WANT IT SENT TO ME FOR FREE, AND I NEED THE TRACKING NUMBER OF HOW IT WAS SUPPOSEDLY SENT TO ME, THEY HAVE NO CLUE WHAT THE TRACKING NUMBER IS!!!!!!!!!!!!!!! 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.
Consumer complaint received 2019-06-02
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. (TX)

On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with Equifax, XXXX, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
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. (GA)

Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX  new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Consumer complaint received 2021-04-28
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. (WY)

Inquires that show up on my report that are incorrect and unauthorized, please remove all inquires ( XXXX ) see below. 

XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX
Consumer complaint received 2017-09-23
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. (PA)

I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/21 my XXXX XXXX was hacked and XXXX ETH XXXX current XXXX value of {$100000.00} XXXX was transferred out of my account with no authorization on my behalf. I contacted XXXX and was not able to get a live representative. When I let them know their platform was hacked and my money was stolen they sent a very generic e-mail and then a follow up e-mail that the account was " resolved '' and " closed ''. 

They advertise their wallet as a " secure '' place to store money yet it was easily hacked and my life savings gone. As a result, I am in immense financial and emotional distress. XXXX has done nothing to help. Avoid this company at all cost. They settled in the past for a money laundering case.
Consumer complaint received 2021-08-08
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. (MI)

Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I spoke with XXXX XXXX XXXX on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX XXXX one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX  to be exact ) and spoke with the property manageXXXX. She informed me she never received any type of dispute from XXXX XXXX XXXX At this point the CFPB should investigate and shut this company down by responding with false and fraudulent information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX  Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having surgery. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I need from Navient, my federal loan provider, information about the first payment plans I enrolled in right out of college. 

I have called twice ( XXXX XXXX, 2019 ) and this past week ( XXXX XXXX, 2019 ) and both times Navient told me they would sent a letter detailing all of the payment plans I have for my federal student loans for the past 10 years, especially the first few years. 

I have yet to receive this letter.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (PA)

Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Hello, On XX/XX/2020 I made a cash deposit at my local Chase Bank via their ATM. The ATM accepted the cash but my receipt stated there was a problem with the deposit and to call the bank to confirm the deposit. 

Since this time I have visited the Bank and spoke to the Manager several times and called customer service with no resolution. I have been asked to check back in a few days for an update but unfortunately I continue to get a default answer " we're still researching. 

Amount deposited : {$1300.00} My phone number : XXXX
Consumer complaint received 2019-03-10
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. (AZ)

Purchased XXXX XXXX XXXX which was a lemon in XXXX. It was repossessed in XX/XX/XXXX. Every time my credit score gets to XXXX or just above it is summarily dropped 60-70 points as this expired charge off is added again. A third party collector has altered the dates XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX.
Consumer complaint received 2019-06-02
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 — Was not notified of investigation status or results
Company: Clarity Services (CA)

The start of the year I found out I was one of the lucky few who happen to have identity theft Clarity Services claimed to be part of a credit bureau and they werent now they are maliciously causing me stress to the point I was hospitalized for XXXX XXXX XXXX. Im more then welcome to share dates and times of that as well but it was around XXXX when they ran my credit without my knowledge that they were in fact not part of a bureau and ever since have been causing me XXXX XXXX with there crooked antics for not allowing me to gain access to a loan to help ease the financial burden of paying to have my credit repaired.