davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

I've attached a letter that I sent to Barclay 's that describes in detail the event that initiated and perpetrated my FRAUD.I had made an initial request verbally of Barcley 's Aviator Red Card by calling their XXXX number to report the fraud to which they responded on XXXX XXXX declining my fraud request despite issuing me a WARNING TEXT ( attached ) XXXX XXXX at XXXX am, when all the fraud occurred, placing " A SECURITY HOLD '' on my card ( # XXXX ). They issued me a new card to avoid further fraud from occurring, but after my second request ( XXXX ) to remove {$1900.00} of fraudulent purchases they completely ignored my request, and continue to have me either pay the fraudulent purchase or charge me the exorbitant interest rates on the fraudulent purchase. 

PLEASE SEE THE ATTACHED DOCUMENTATION TO GET AN UNDERSTANDING OF EVENTS AND TIME LINE
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My Macy 's credit card was closed in 2019 without my knowledge or notification. I have requested they remove the additional late fees and interest charged to my account as I didnt know it was closed until I saw it on my credit report. Ive sent dispute via XXXX  and wrote a letter requesting good will removal of neg commentsand additional fees. My credit is very important to me and I really need these items removed from my accout asap.My avaiable credit was XXXX it shows a balance of XXXX. I just want to be treated fair.
Consumer complaint received 2022-10-21
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. (VA)

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 oveXXXX 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 depression 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 depressed now.with no help.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Equifax will not release my credit report to mortgage broker so I can apply for a loan. They told them the address and birth date were incorrect. I called Equifax with my information, my birth date and address were enough to verify I was me but yet I was told my birth date didn't match with what was on file ( though it did just a few months ago ). When I asked why, I was told a company likely reported it was different and they accepted it at hand, but won't tell me what company it was ( even though it could be negatively affecting my score ) nor the birth date they showed. Then they said they showed no birth date on file for me, which can't be right since they provided another broker with a report just a few months ago. 

Now, in order to verify my birth date, even though they said I had correct month and day, but not year and then XXXX minutes later, no birth date, I have to mail just a copy of my identification and social security card to their dispute department. 

First, this doesn't seem very secure for very personal information. Secondly, how can XXXX reporter change all my info and not send a red flag to them? I have numerous credit cards, a credit line and a loan all reporting same information, but XXXX company can change it all? Why am I not allowed to know who changed it, as it could be a fraudulent account or attempt to steal my identity? This just does not seem right and like there's something more that should be and can be done.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I was notified by Discover that there was potential fraud charge on my card and when I checked my account there were 2 charges from XXXX XXXX XXXX  XXXX. I notified Discover that these were fraudulent via their automated system and thought everything was resolved. A couple weeks later ( XX/XX/2022 ), I checked my account and the charges were still there, so I called Discover and they had me go through the dispute process with a representative. 

Over the course of the next 3 months Discover called me 6 times to gather information, usually asking the same questions each time. On XX/XX/2022 Discover called me and notified me that the claim was denied because I checked my account the day it happened. They also stated that I made a payment at the start of the month, which I have been doing for the last few years. 

Discover claims that the case was resolved on XX/XX/2022 but I never received a letter and my account wasn't adjusted until XX/XX/2022. There was no response from XXXX XXXX XXXXXXXX XXXX and the entire investigate lasted over 90 days if you account for the automated message that was sent on XX/XX/2022. I've never heard of a claim being denied because the person checked their account, this is a dangerous precedent to set because I shouldn't be punished for being responsible.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I had reported identity theft in XXXX with the ftc ... about the time the data breaches happened. I never received amends. Covid was supposed to about an amends of abuse about my financial power of attorney XXXX XXXX amending oil money to XXXX as herself at all times. Denying me my XXXX rights and XXXX rights is not ok..denying me benefits assets and settlement is not ok. Not notifying me of my XXXX XXXX is not ok and not allowing me access to lawsuits is not ok
Consumer complaint received 2022-10-21
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. (CA)

On my EQUIFAX report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX i do not recognize these account. It is not Mine. Do to it is not mine it mist be removed under the FCRA. Please request proper investigation with proof if investigation under title 15 usc 1681. XXXX XXXX is my name. This communication is being sent to a XXXX computer. A XXXX AI machine, but that are not my wishes. Send this correspondence to a real human. Not a machine. I am a human I can not talk to a machine. -all accounts reporting on my credit report shouldve been investigated. Request what investigation was done.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

On XX/XX/2022, I called EdFinancial and submitted a request for a {$10000.00} refund that I am eligible for under the new student loan forgiveness law that was passed. I paid {$10000.00} of loans off during the COVID repayment pause, and therefore I am eligible to receive a refund for those payments I made. On XX/XX/XXXX, EdFinancial said they put in a request with the Department of Education and I should see the refund in my bank account in 6 weeks. I called today ( XX/XX/2022 ) since I still have not received my refund and EdFinancial said that it is still being processed and they can't give me a timeframe with when I will receive my refund nor can they give me a confirmation number of my request. Talking with people in my life who have submitted the same refund request with other loan companies, they said they got their refunds within a month. I'm not sure why EdFinancial is taking so long. They are blaming it in the Department of Education, but other loan companies are not taking this long. I am concerned that my refund is not being processed since they won't give me a confirmation number. Considering their recent security leak where my social security number was hacked, I have little confidence that I will ever get the refund I am eligible for. Please let me know if you need more information from me to help resolve this problem. Thank you for your time
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of MI XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy # XXXX, has violated my rights 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
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. (NY)

I completely disagree with this response. Please see the supported document Ive attached with this feedback. This account was a car that my husband and I brought in XX/XX/XXXX from the XXXX XXXX in XXXX XXXX New York. Than we got to a car accident in the month of XX/XX/XXXX, we had reported that to our insurance company which was XXXX XXXX at that time. Our insurance told us that the car was total loss. They started a claim. Than our insurance told us that they pay off the amount that was left on the car and they didnt have nothing left to even sent to us. One month after I received a message that stated that my credit score had dropped when I check my report thats when I saw that XXXX had reported the account as a charge off and collection with an amount of {$2000.00} due. They did not even sent us a notice about this before putting reporting it on our credit report. My husband and I called the XXXX XXXX we brought the car from and ask why is that, they didnt really say much they just told us oh yeah you owe {$2000.00} which we think it was absurd because our insurance company told us we do not owe anything because they payed off the amount that was left on the car even so we agreed to pay off that amount as an installment and ask if after paying that amount would it be removed from our report they say yes and still today this account is reported on my report and it have been effecting me deeply. Also I do see that on the report they say this account was late thats not true. We had automatic payment for this account every month they just take the money out of our account. Please I need this to be resolved. This is wrong thank you. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

I have received a5 letters and numerous phone calls from XXXX and associates. I told them to stop calling. I searched online and found out this is a scam company in California. The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (NJ)

I have received a5 letters and numerous phone calls from Diaz and associates. I told them to stop calling. I searched online and found out this is a scam company in XXXX The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
Consumer complaint received 2022-10-21
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. (TX)

This is my third attempt to reach out to the credit bureaus to remove accounts that I do not have knowledge of. My rights are being neglected and violated. The accounts that I am filing a dispute on are coming back validated yet I am receiving inaccurate key factor information. I need these accounts removed immediately before further legal action will be taken. Please refer to my attachments.
Consumer complaint received 2022-04-05
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: Nelnet, Inc. (IL)

I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, Great Lakes XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HAWAIIAN, INC. (HI)

XXXX XX/XX/2022 CFPB, FHB needs to scrutinized for their Security and Customer Service-Rule/Practices.

As of today I have had serious Communications issues with this Banking Institution. 

I received a XXXX XXXX XXXX XXXX XXXX XX/XX/2022. 
I Activated this Credit Card the same day. I did www.fhb.com insructions setting Username and Password. XXXX XX/XX/2022 tried logging in to FHB Website and nothing was recognized. Called XXXX XXXX XXXX. XXXX said XXXX in XXXX, call back in XXXX hours. 
XXXX XX/XX/202 called XXXX a ( XXXX ) XXXX. XXXX tried assisting with problem XXXX XXXX, then got phone got disconnected. 
XXXX XX/XX/2022, I went to First Hawaiian Bank XXXX, XXXX. 
I talked to XXXX XXXX XXXX XXXX 
She said XXXX will mail you your New Password. Received XXXX XXXX XX/XX/2022. 
Tried XXXX XXXX on XXXX. Nothing recognized. 
XXXX XX/XX/2022 I received from XXXX by XXXX an assigned UserName. 
XXXX XXXX to the WebSite-FHB.com. Finally I was able to XXXX XXXX. 
Security Questions 1 thru 4 accepted. However Security Question # 5 Highlghted as InValid! 
Called and XXXX at ( XXXX ) XXXX is ssking for My SSN #. I sad XXXX XXXX. 
He took my XXXX XXXX a XXXX today XXXX XX/XX/2022. 

CFPB, this Bank is not Customer Service-Friendly!

They Are Not-Transparent and Their IT-Software Managers are either Lost or need Training. 
Always some access problem or failure to help expeditiously! 

PLEASE, look into their ( First Hawaiian Banks ) business practices. 
Not user friendly-WebSite/Customer Service!! 

Respectfully, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (OH)

Kia Motors Finance. Request loan payoff early. They only apply payments made and are refusal to me to correct error that it would be pro rated interest removed. I contacted and refusal to correct. Business seems aggressive and against citizens in how they look at it. I am not liable to pay in full the whole balance as will not be in possession of vehicle for full loan terms and they must deduct interest that would be paid and any other insurance but refused.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!
Consumer complaint received 2022-10-21
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. (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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 XXXXXXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My escrow anylist get done on XX/XX/26 as state mandated. And my new payment will start on XXXX every year. This year my mortgage company Mr cooper made a mistake on my escrow they doubled charged me for home owners insurance. So I called and ask them to correct the mistake. And I did paid shortage so my monthly payment wouldnt go higher. They did run new escrow but started my new payment from XXXX. It should be starting from XXXX. So called multiple times every time they said nothing to worry we will fixing it before the payment is due. And if not fixed they will credit me the difference. But now after paying the payment they refused to do anything. So I would like to file a complaint. Mr cooper XXXX.
Consumer complaint received 2022-08-14
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. (AL)

XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.