davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when XXXX  list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Consumer complaint received 2022-10-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westlake Services, LLC (TX)

It's XXXX again, I reached out to Westlake Financial Services regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX XXXX which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. XXXX on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently XXXX has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask XXXX to do according to the on going investigation being conducted by the California State Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by XXXX, since the Corporate office is located in XXXX XXXX, California. Westlake Financial Services has denied asking XXXX to collect money for them as a XXXX XXXX. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California XXXX Attorney XXXX XXXX has XXXX ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and XXXX is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against XXXX since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired .Westlake Financial Services XXXX XXXX XXXX as Charged-off and account closed. XXXX and XXXX has already removed he XXXX from XXXX XXXX XXXX. According to Westlake Financial Services has never asked XXXX XXXX to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

2 withdrawls both for {$300.00} apiece at atms both on XX/XX/XXXX .they do not list locations on the report..but because they say my chip card was used and that they can not be duplicated and that it happened within 100 miles of my residence that they denied my claim..they refused to look at the atm camera photos. They refused to send me to a supervisor when i asked them to give me a supervisor.i called them today XX/XX/XXXX around  XXXX..they put me on hold and never came back when they said please hold ill see about your options..there is no way i took out this money..first of all i thought my limit was {$300.00} a day..i gaurantee if they looked at the atm camera shots that they would see it was not me nor anyone i know..i dont know who the think they are stealing my hard earned money..but i need this money for rent and i will be very upset if i loose my place to live because of there inability to perform investigations of claims ..please help me
Consumer complaint received 2022-08-10
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. (NY)

On XXXX XXXX After making numerous called to Equifax about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per Equifax data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to Equifax or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to Equifax data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to Equifax or any person permission to report/share any assumed data that I will mention in the complaint. 

Equifax and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( XXXX ) ( XXXX )., They are also in violation of the data protection act.
Consumer complaint received 2022-10-12
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)

( DISPUTE CODE - XXXX ) My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person,
Consumer complaint received 2022-10-12
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. (GA)

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 more then XXXX times nonstop this is exhausting 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

During our stay on XX/XX/2018 at renaissance, XXXX, NJ. Front desk manager name XXXX offered us $ XXXX points and that he would adjust the per night rates to the lowest rate to compensate the inconvenience caused to us by the hotel and room not being cleaned up to the standards. To this day neither the rewards points shows in my statement nor the charges have been adjusted. 

On a separate occasion during our separate stay at a different transaction and different property General Manager, XXXX XXXX sent me an email offering {$3000.00} point in my account in response to a survey I completed. These points havent been showing up on my account either. Copy of email attached.
Consumer complaint received 2021-01-09
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan kepts my {$1500.00} Dollars. I have the right as the account holder to access my nank details and my money any time I want. refusing my online banking rights because I am a foreigner is racism and discrimination by Chase bank and the CFPB who efuses to take action. I want access to my money again. The company has to propose a fair solution that gives me access back to my account and my bank details. I want my money back.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (OR)

This is the email I sent to Self : I opened an account with Self in XXXX to improve my credit with an auto pay set up for 12 months for a secured amount of {$150.00} per month. Since it was auto pay I never had a late payment. I completed the 12 months in 2021 and I believed I was finished but then saw that in XXXX Self reported a 30 late payment to the credit bureau which now negatively impacts my credit score. It was due to the annual fee on a credit card that I have never used and did not realize that it was a credit card. I understood the card to be a secured visa if I decide to put a secure deposit on it in the future. I have spoken to multiple representatives and the only help I have received was from XXXX in XXXX. He reversed the {$55.00} charges for the annual fee and told me that he would have a letter generated then emailed to me stating that the late fee was waived and should not have been posted to my credit. I did not receive that email and have since been bounced back and forth between departments from representatives who will not assist me. I spoke with XXXX this morning who was very kind and created a ticket as an additional document to go along with this email. I would like this to be resolved. I opened services with Self to positively build my credit and now Self reporting is doing more harm than good. I have attached a screen shot of the only information Self reported to the bureau. I would like a manager or supervisor to please contact me because I feel this needs to be dealt with and corrected from a position of higher authority. For Self to send me a letter stating that the negative report can be removed from my credit will help me without affecting your company so I dont understand why this has been such a difficult issue.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.
Consumer complaint received 2020-09-15
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. (MI)

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a  RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Mr Cooper agreed to delay and defer payment on XXXX XXXX backed home loan. We were 9 months into the allowable deferment and sold our house. Mr Cooper insisted payoff amount be in full without deferment of missed payments ( due to mandatory Covid19 CARES Act relief ). This resulted in an overcharge on the payoff amount of approx {$19000.00}. 

Mr Cooper had previously agreed to extend the loan, not increase the principal, and collect the additional payments at the end of the term.
Consumer complaint received 2021-08-20
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: DISCOVER BANK (SC)

Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

as well as the agencies not supposing to report on accounts older than 7 years of age.

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ XXXX  Date Opened : XX/XX/XXXX Amount : {$5400.00} DISCOVER FINCL SVC LLC Date Opened : XX/XX/XXXX Amount : {$510.00} +
Consumer complaint received 2022-08-10
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2022, I notified the financial institution of an unauthorized ( erroneously ) charged merchant transaction. ( XXXX Consumer Credit Card ) The financial institution opened the dispute under the following case number. ( case number : XXXX ). 
However, the financial institution violated and failed to comply with 1005.11 ( c ) ) ii ) ( Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ) code of the Federal Regulations, and the financial institution 's behavior established an Unfair Business Practice and caused the customer a disadvantage.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXXXXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX
Consumer complaint received 2019-01-29
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: AFNI INC. (NY)

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX   XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-XXXX  XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?