davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I relocated from XXXX XXXXXXXX XXXX  in XXXX. I have been living in XXXXXXXX XXXX since XX/XX/XXXX. When I left XXXX XXXX, XXXX I closed out my account with XXXX and returned their equipment before l left. In XX/XX/XXXX hurricane XXXX happened and prevented any further charges due to long term power outages. In XXXX of XXXX I saw a derogatory account from XXXX for {$320.00}, that said it was reported in XXXX of XXXX, appear on my credit report. I immediately disputed the bill through XXXX XXXX, but the decision came back that the information was accurate. I disputed it again through XXXX XXXX and stated the information about hurricane XXXX, but it came back again as accurate information. Then I disputed the bill through XXXX credit bureau twice and they noted that the bill meets the Fair Credit Reporting Act guidelines and that I would need to contact XXXX. On XX/XX/XXXX I called XXXX. I was informed that the bill was for services from XX/XX/XXXX to XX/XX/XXXX. I stated that I live in XXXX XXXX during that time frame, and that I could not have made those charges. They asked if I left anyone behind and I said no. We picked my son up from XXXX XXXX, in XX/XX/XXXX due to illness. When we left XXXX XXXX in XX/XX/XXXX the power was still off since XX/XX/XXXX. No one was in the house during the dates of service. However, they continue to report the inaccurate charges. I believe XXXX has generated these charges fraudulently and are using predatory tactics to remain on my credit report. In addition, I have been denied credit from XXXX XXXX for an additional credit card with rewards due to the inaccurate information reported on my credit report by XXXX. I wish to have the information removed from my report ; and have XXXX report to XXXX that they reported inaccurate information on my credit report that caused my credit score to go down. In addition, I would like for them to pay damages in the amount of credit loss due to their negligence.
Consumer complaint received 2020-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX  has updated the credit information.
Consumer complaint received 2020-05-26
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. (TN)

According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both XXXX  and Equifax originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from XXXX  or Equifax and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.
Consumer complaint received 2021-07-02
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)

These are not mine ; It is a FCRA violation XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$63.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX. 
{$790.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX Paid off : XXXX % XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I received a letter from ERC Debt Collection a debt I do not owe this is a collection from XXXX 3 years ago fraudulent account results in identity theft. This account was sold to 5 different collections of business. Neither one couldn't validate the debt. I do not live in XXXX Texas. I live in XXXX XXXX Texas
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

Citi cards charged me interest on my credit card even though I paid my balance in full before the new statement cut. I owed XXXX on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX and they posted my XXXX on XX/XX/XXXX. They charged me interest on entire balance of my XXXX statement even tho I paid this amount already before my XXXX statement period began on XX/XX/XXXX. I was charge XXXX on XX/XX/XXXX even tho I paid my balance in full on XX/XX/XXXX. When I called XX/XX/XXXX I was told they charged me this based on a residual finance charge. This is illegal and immoral as I paid the fully owe balance so how can they charge me interest on something I paid already. They refunded my fee but this practice is illegal and needs to be stopped.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Two XXXX transfers through PNC bank were made for an apartment lease that was found to be a scam. 

I filled out an application ( XX/XX/20 ) and signed a lease ( XX/XX/20 ) for an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX PA XXXX. I made to transfers to pay for rent via XXXX through PNC Bank. The recipient then was a no show at time of key pickup and texted me from phone number XXXX telling me that he had scammed me and stole the money. He uses an alias of XXXX XXXX under XXXX XXXX which is a legit real estate business in XXXX XXXX. 

Transaction 1 : XX/XX/20 {$1000.00} XXXX XXXX Account : XXXX Confirmation : XXXX Transaction XXXX : XX/XX/20 {$990.00} XXXX XXXX Account : XXXX Confirmation : XXXX The recipient admitted to the scam on XX/XX/20. I immediately called PNC Bank and made a report. I am awaiting written notice regarding their decision. 

I have also taken this issue to the XXXX police department in XXXX XXXX as well as the police department in XXXX, PA as that is where license address is. Neither precinct will help me file a report. XXXX police did open a record to show proof that I called with the complain. The number is XXXX.
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

XXXX has billed me several times for a service they said was mine. I never lived in that XXXX XXXX. I didnt get internet from them and I have said it until my face is blue. The moment I start investigating my credit report, they get notified I guess and just popped up after the last lady spoke with assured me I was going to pay for the service if its in my name clearly. 
I'm getting so XXXX  here. Its apparent someone had access to my information. XXXX wont even send me a report until I show proof of who I am .... Which says they have a reason to feel something has been going on with my credit. I can't even answer questions I supposed to know. My name is wrong on all of my credit reports, and ive tried to clear that up as well. I just need help with this mess.
Consumer complaint received 2019-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (PA)

National enterprise systems. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.
Consumer complaint received 2022-07-22
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. (MI)

Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I had opened an Account with chase bank. I recieved my debit card. And was trying to add funds to the Account. It would not let me..so I called chase bank and they told me I was cancelled because you guys called and told them I was a risk.. i have been having trouble with trying to get an Account because i had lost my job and have family tried to send me funds.. also have a inheritance in which I need to open 2 bank accounts to deposit these funds. I lost my job that should not be a reason for a bank or you to not allow me to open an account ... .I fell on hard times. I'm not a scammer nor am I a crook..and I can prove that this inheritance exists.. and I'm in serious trouble trying to pay off my debt.. this has been a nightmare for me and my Fience.. we are to be married soon but she is stuck in Georgia waiting for me to send her emergency funds from the inheritance.. which is stuck in court and waiting for me to give them Account information, I cant do that when you guys put me in a catastrophic situation.. I need help obviously, and its important that I receive this inheritance so I can pay off all my debts and start fresh.. thank you. XXXX XXXX
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar modified my mortgage ( TIER 2modification ) on XX/XX/XXXX and on XX/XX/XXXX Nationstar Mortgage ( Now MR Cooper ) applied {$5000.00} principal payment to my mortgage as a loan modification incentive. Four years later ; in XX/XX/XXXX Mr Cooper ( previously Nationstar ) clawed back the {$5000.00} incentive without any notice. I contacted Mr Cooper and they stated that the incentive was reversed because they made a mistake 4 years ago. This is disturbing and is affecting my financial situation as I will not be able to refinance due to the increase in principal balance. 
I believe that Nationstar 's practice is deceiving as they deliberately applied the incentive with a plan to claw it back in the future
Consumer complaint received 2020-11-25
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. (NJ)

Equifax is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I was the victim of an elaborate scam. I contacted XXXX after researching catteries with the hope of purchasing a kitten for my child. I initiated communication with this 'breeder ' via their online form, I was then contacted via email ( XXXX ) and text ( XXXX ) by XXXX XXXX XXXX , who proceeded to send me photos and videos or the kitten I expressed interest in. Following lengthy conversations and video calls, a price was agreed on and Mr. XXXX asked that I send the money via Chase Quickpay. I had saved up about {$1000.00} to purchase or adopt a kitten so I agreed. Never having gone through this before, I did not suspect a thing. After the money was sent, Mr. XXXX stopped responding to me. I then started to do the research I should have done before giving him my money. I found that his website had been recently created on XX/XX/2020, the phone number was a XXXX number and the cat images and videos were taken from other websites. I immediately contacted Chase for assistance and was informed that their fraud department was closed until XX/XX/2020. I proceeded to file a claim with the FTC ( XXXX ), the XXXX XXXX XXXX Scam Dept., and IC3 as well as my local police department. I called Chase on XX/XX/2020 at XXXX and spoke with XXXX, who after hearing my story, transfered me to XXXX  ( XXXX? ), XXXX  submitted a claim for me, reassuring me that I would receive a credit for the transaction while it was investigated ( # XXXX ). I provided him with all of the details of the reports I have filed and asked him if I could send him the email and text communications which were not needed at the time. After the call ended I decided to call back to ask for more information. I spoke with XXXX who to took down my information and transfered me to XXXX, a manager of the fraud/scam department, she informed me that XXXX ( XXXX ) as wrong and I would not be receiving any sort of credit, my funds were virtually lost and would not be retrieved. I was then transfered to XXXX, her supervisor, who informed me of the same. Even though one of their representatives had assured me that a credit was possible while they investigated. I am currently unemployed and have been waiting to receive unemployment benefits since XXXX, this {$950.00} was lovingly saved for my XXXX yr old who wanted to own her very first pet. I have never been the victim of a scam and I thought that the bank I have been using for years would assist me. This was not the case. I am at loss and don't know what else to do.
Consumer complaint received 2020-05-26
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. (GA)

I sent a letter to XXXX  over a month ago, didnt hear anything back, so i sent a XXXX letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent XXXX letters and i have not heard anything back from them!
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the fair credit reporting act 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 2019-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (OH)

There have been two fraudulant accounts opened in my name, that I have not opened or known about until yesterday XX/XX/2019. Charges were made to both accounts and sent to an old vacant address that I do not live at anymore. I have attached all the paperwork, detailed descriptions of the issues that I sent both companies already. I have also filed a complaint with a FTC Report package ( also attached ).  These accounts were opened without a SS #. All they needed was my name, an address, and a phone number. How does someone pull a credit report and open an account without SS # verification? That is very scary!!!
Consumer complaint received 2020-05-25
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)

LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX & XXXX ( aka XXXX XXXX XXXX is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since 2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since 2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.