davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Upgrade, Inc. (AR)

I received an offer from XXXX XXXX XXXX of a balance transfer request with a zero percent APR. I accepted this offer from XXXX and requested a balance transfer from two credit cards on XX/XX/2022 : first amount was for {$400.00} from XXXX XXXX XXXX credit card ( ending in XXXX ), and second amount was for {$1000.00} from Upgrade , Inc. credit card ( ending in XXXX ). The problem is with the Upgrade , IncXXXX credit card. XXXX has completed the transfer from both credit cards, but the balance is still shown on the Upgrade , Inc. credit account. I tried reaching out to Upgrade , IncXXXX on XX/XX/2022 to ask why the balance was still showing on my account and informed them that the balance was showing on the XXXX account. The balance transfer request from XXXX asked for the address of the Credit Card Company for XXXXpgrade, so I submitted the only address that was shown on their home page, which was XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When I told this to the customer representative at Upgrade, they said " XXXX XXXX? '' I informed him that this was the only address shown on their website. Another statement majically appeared on their home page a few days later ( underneath the XXXX XXXX address, stating : Not for payments, address can be found here. I was also told by this representative that since the payment from XXXX was sent to the Corporate address, that it may take up to three weeks to reach the correct address. The next payment on this credit card is due XX/XX/XXXX and I was hoping this transfer would be processed before this date so I could close this card before another automatic draft comes out of my account.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

1. On XX/XX/XXXX i made a purchase of {$950.00} with my wells fargo checking account but received the wrong item so i sent it back but the merchant wouldn't credit me so i filled a dispute on XX/XX/XXXX and submitted everything they needed, Proof of delivery, Tracking information, invoice. But on XX/XX/XXXX they initiated a reversal and wont let me appeal it because its time frame to do so has expired, they lagged when doing this investigation on purpose so they could use that excuse 2.on XX/XX/XXXX i made a purchase of {$1800.00} but received my order damaged, the merchant just wouldnt respond so i sent back the package using the shipping info provided on the initial shipment, still the merchant wouldnt respond regarding the pending credit so i filled a dispute with wells fargo on XX/XX/XXXX and submitted the tracking info, proof of delivery, and photos of damage. the claim credit was just posted as a reversal on XX/XX/XXXX and again well fargo says they cant appeal because of the window provided by them thus again shutting down any attempt to reclaim my lost funds
Consumer complaint received 2022-08-22
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)

I sent XXXX, XXXX, and EQUIFAX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX  AND XXXX XXXX  and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Consumer complaint received 2022-06-26
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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
Consumer complaint received 2022-09-20
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-26
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)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (AZ)

Greetings, I come in Good Faith, so Barclays Bank Delaware better known as XXXX XXXX XXXX denied to extend me the consumer natural person credit on XX/XX/2022. After receiving the denial letter on XX/XX/2022 adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act, which is codified in title 15 U.S.C 1692k. They are subject to criminal liability of for violating 15 U.S.C 1691, as I have proof that I was discriminated against by Barclays Bank Delaware due to the response I received. Barclays Bank Delaware is in violation of title 15 U.S.Code 1642, U.S.Code 1681m and 12 CFR 1002 because I, the consumer made a application in GOOD FAITH, but credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Barclays Bank Delaware. If Barclays Bank Delaware fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Barclays Bank Delaware criminally and civilly liable for all actual damages pursuant to title 15 U.S.C 1681n and 15 U.S.C 1681o.

I will also follow up with an invoice for said violations ( XXXX ) per violation ).
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I have paperwork from Equifax that says that they VERIFIED a bankruptcy from XXXX. Well I have paperwork from XXXX that shows NO bankruptcy on my file. On the page, where it states public records or bankruptcy, there is nothing. The area is blank. So Equifax has LIED to me about verification of this and claimed they got their info from XXXX. This is false and I have the paper from Equifax and the screenshot of page XXXX of my XXXX page XXXX file. I am requesting this be fixed and the bankruptcy be removed from my Equifax credit report immediately. Also I've never been to an XXXX XXXX XXXX House or ever lived closer than 3.5hrs away. I have paperwork from Equifax that says that they VERIFIED a bankruptcy from XXXX. Well I have paperwork from XXXX that shows NO bankruptcy on my file. On the page, where it states public records or bankruptcy, there is nothing. The area is blank. So Equifax has LIED to me about verification of this and claimed they got their info from XXXX. This is false and I have the paper from Equifax and the screenshot of page XXXX of my XXXX page XXXX file. I am requesting this be fixed and the bankruptcy be removed from my Equifax credit report immediately. Also I've never been to an XXXX XXXX XXXX House or ever lived closer than 3.5hrs away.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

CFPB Should NOTE this is my 4th COMPLAINT AGAINST US BANK CARD MEMBER SERVICES IN THE PAST XXXX Months. 

Two Disputes were filed with US Bank for Debit Card XXXX for services paid for in advance that were not received. 

1. {$940.00} XXXX XXXX XXXX  XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 XXXX. {$770.00} XXXX XXXX XXXX XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 I received provisional credits for both {$940.00}, {$770.00} on XX/XX/22. 

On XX/XX/22 the Provisional Credit for {$770.00} was reversed without any prior notice being sent. 

On XX/XX/22 the Provisional Credit for {$940.00} was reversed without any prior notice being sent. 

On XX/XX/22 I Called the Card Member Services Department to find out why the Provisional Credit were reversed and was told that they were DENIED but no reason was given. 

on XX/XX/22 on the same call I asked the investigation reports be sent to my business address, I verified the correct address and asked that a new claim be opened for both charges, {$940.00}, {$770.00} as I have never received any services for which were paid for in advance. 

Today I tried calling to get an update on these and was transferred 5 times to 5 different departments. 

To date I have received nothing from US Bank in regards to my original disputes, the information requests, and additional filings. 

I demand the return of my money {$940.00} and {$770.00} since I have never received any services for which I paid for.
Consumer complaint received 2022-06-26
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)

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX - XXXX has violated my Rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-26
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. (LA)

On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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 XXXX # XXXX and # 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 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX. XXXX, {$12000.00} was wired out of my checking out illegally. I always check my accounts when I saw my money of {$12000.00} exiting my account I immediately walked to Citibank. I work 3 minutes walking distance from Citibank. I also called Citibank when I saw the money leaving my account. I signed an affidavit and notarized it stating I did not authorized anyone to withdraw money out of my account. I gave this affidavit to the XXXX XXXX at Citibank ( my banking branch ). Citibank never contacted me to inform me of this wire fraud for the large amount of {$12000.00}. I filed a police report when Citibank refused to return my funds the complaint number is XXXX. I also have a FOIL number from XXXX. I am currently waiting for the police report. Citibank said they were doing their own investigation on how this money was taken out of my account. Citibank did not assist me. They lack in customer service. Instead Citibank stated I may have clicked a link and or didnt change my password. This is ridiculous! I didnt change my password because I didnt need to. I change my password occasionally. The detective on my case ( XXXX  XXXX ) from the XXXX precinct in XXXX, XXXX stated that the money {$12000.00} was wired to XXXX  XXXX XXXX in XXXX, Virginia ( Not in XXXX where I reside ) and Citibank is liable. XXXX XXXX has been speaking and in contact with Citibank. Citibank supervisors stated some money was captured the fraud was stopped midway. However Citibank stated that XXXX  XXXX XXXX failed to disclose the amount captured. Citibank stated that I failed to secure my account. But why I have ( and still am! ) been a customer of Citibank for over 25 years there was no need for me to change my password. I use my CitiBank checking account to shop, and pay bills. I was also going to make a large payment when my account was hacked of {$12000.00}. Customer service at Citibank has been horrendous. I am put on hold for long periods of time. Citibank states there is no new news therefore they are holding my money when they claim they are FDIC insured. They dont accept messages. I have sent emails to the President of Citibank in XXXX, XXXX and to no avail. This is NOT acceptable! I want my money returned to me asap.
Consumer complaint received 2022-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

My mortgage is with mr. Cooper. I was in covid-19 forbearance protection last year I was coming out of it at the end of XXXX of last year. The option I picked was I can resume making monthly payments just I can't afford my old payment of XXXX a month. With having FHA they were supposed to come back with a XXXX recovery modification with 25 % less payment and a lower interest rate to lower my monthly payment. It was supposed to be finalized for XXXX when I want to make my XXXX payment they told me to hold off until XXXX it will be finalized then I sent back numerous low modification packets they kept being sent back for the same reason because of notarization which was correct they accepted one of the previous ones if they sent me XXXX out and didn't bother to tell me. So anyway it was finalized for XXXX I made my mortgage first payment which was actually the incorrect monthly payment so then the payment came down a little bit for the XXXX payment before I could pay the XXXX payment the whole loan modification became undone after was finalized I've been in contact with them numerous times since XXXX had an expedited over XXXX times and still nothing no answer they said it became undone due to possible monies being d u e. But that is incorrect because with a covid-19 recovery modification there is no 90-day trial. Also they approve me for a disaster modification which that is not what I wanted I was supposed to be approved for a covid-19 loan modification. I made marches payment like I said before I also made them take XXXX and XXXX 's payment so I wouldn't know a bunch of money just in case and I told them I want them credit it XXXX XXXX XXXX to the new loan modification and not to the old balance I have asked them repeatedly to push this through since I was already finalized with all the correct numbers which should be 25 % less and a lower interest rate to make my payment lower than XXXX a month and also have the correct escrow numbers in there
Consumer complaint received 2022-07-28
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. (CA)

Written requests have been submitted to the XXXX Credit Bureaus XXXX XXXX Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit XXXX XXXX {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the XXXX and XXXX Bank 's actions are trying to ruin it.
Consumer complaint received 2022-06-26
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 Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-06-26
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  Account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (MD)

hello i owe debt to a bank which is named pnc bank it was a negative balance in my account that i did not owe they closed my account down with a negative balance in there and said i owed it i owe no balance i only just got pnc in XXXX i feel as if maybe somebody tried to get into my pnc and use money that was not mines or didnt belong to me therefore isnt my debt at all