davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NJ)

my vanilla gift card was hacked on XX/XX/22 for {$190.00}., I filed a complaint with them on XX/XX/22 and recieved case # XXXX. I submitted the form they requested and have a email confirmation from XX/XX/22. I was told this would take 90 days to resolve but when I call they have no information for me and today I was told I was emailed about this claim on XX/XX/22 and I have no email was recieved. they also state the case is still being worked on but have no updates.
Consumer complaint received 2022-12-05
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: LEXISNEXIS (AR)

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX  request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. Lexis Nexis is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Over the past 4 months, I have received multiple promotional offers from my credit card called Sears Thank You from Citi. These offers vary in type but all are promises to award multiple points upon making a certain purchase level. 

To date, I have received no promotional benefits despite increasing my usage of the card significantly ( at the expense of bonus points I would have earned with other credit cards ). There is no way to see online what offers are active or my progress towards achieving the bonuses toward each offer. I feel its a really deceptive program- it entices you to make purchases toward reward points but you never really know what programs are active or progress toward any of them. They are counting on people not keeping track and just simply making more purchases without having to pay out the reward. I feel this is the equivalent of an unpaid rebate which there are laws against. 

Its a XXXX company and I am canceling my card but wanted to register a formal complaint so others aren't duped like I was for the last 4 months.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (IN)

I was recently polishing up my credit to try and purchase a house. I had filed bankruptcy in XX/XX/XXXX and dismissed said bankruptcy in XX/XX/XXXX. Upon viewing my recent credit report, I was made aware of some charge offs that I needed to pay off. Chase was one of the accounts I needed to pay off. I contacted Chase using the number given to me on my credit report. Amount showing owed on all 3 credit bureaus is {$3000.00}. I first contacted Chase on XX/XX/XXXX and spoke with a customer service rep who explained to me that the the account was closed in XXXX and they are no longer actively collecting on this account. I asked to be transferred to the charge off/recovery dept. I got transferred to several depts and finally spoke to a gentlemen that told me I needed to speak to the bankruptcy department. I explained to him that Chase never filed to receive bankruptcy money and that the account according to them was charged off before my bankruptcy. That department was closed because it was XXXX XXXX XXXX I then called the following day XX/XX/XXXX. The bankruptcy dept said the account was not flagged bankruptcy so they transferred me back to the charge off dept. I spoke with a gentleman that said I could not pay on this account. I explained that is showing up on my credit report as a balance owed and also as late. On all 3 credit bureaus it is also showing late payments all through my bankruptcy through XX/XX/XXXX because I originally attempted to dispute it through the credit bureaus. He said maam there is nothing we can do for you. I then called on XX/XX/XXXX to see if I could get a letter stating that they are no longer actively collecting on this account. She attempted and said she could not but they were gon na update my account and I needed to call back in XXXX hours but not over the weekend. I called XX/XX/XXXX to attempt to get the letter. I spoke with customer service rep. I have a recording of the conversation. She said that I needed to fax a letter to Chases communication dept and they may be able to draft a letter for this special circumstance but I could pay no money to decrease the balance owed. I have not heard anymore from them. I attempted to file an arbitration with them but they have not answered my complaint from XX/XX/XXXX. I just applied for an apartment and was denied because of chase charge off.
Consumer complaint received 2022-05-16
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, XXXX XXXX EQUIFAX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-09-13
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. (SC)

Equifax violated my privacy without my consent or authorization I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

PERSONAL INFORMATION Delete Aliases - XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation Account - Federal Account Number - 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 an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - 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 an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 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 an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$4800.00} 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 an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$47000.00} 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 an account without my written instructions. 

Delete this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXXXXXX  XXXX XXXX Delete this account immediately {$1000.00} per violation
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (UT)

Pro Collect. Their phone number is ( XXXX ) XXXX-XXXX. They have bought the bad debt for someone that has my name. This person that shares my name from Texas owed money to an apartment complex. I've never lived in Texas, the information they have does not match mine except my name. I'm easy to find since I'm a responsible human being. This company wants me to prove that I'm not the person they are looking for by providing my drivers license info and social security number. Because of identity theft, etc. I'm not about to provide this information to some random company that keeps calling me just because they are telling me that they are legit. I've told them they have the wrong person, I've told them I'm not going to pay the debt for this other person who has my same name, but they refuse to stop calling me and harassing me about the money owed.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX  reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-03-30
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)

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 2020-10-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

In XXXX i had XXXX fraudulent checks written in the amounts {$1200.00}. This put my primary checking account with XXXX XXXX XXXX  in the negative. I filed with my bank fraud and it was ruled that the checks were fraudulent. I closed the account, the same week i closed the account, it was pay week. I had to cancel my direct deposit with my employer. I did not receive a check from work or the bank issuing the money that was in my account until the end of XXXX. I was 30 days late on my XXXX Wells Fargo mortgage payment due to this issue. They report this to the credit bureaus. I submitted all my documents on my fraud case to my mortgage company Wells Fargo stating this was the reason i was late on my payment. They told me there is nothing that can be done. Im currently up to date with all my payments. This incident was out of my control and i wanted my mortgage company to remove this 30 day late remark on my credit report.
Consumer complaint received 2019-02-05
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. (CA)

Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX  regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Consumer complaint received 2022-08-17
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. (IL)

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 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MS)

I paid my Flood insurance Policy in Full before changes to Monthly payment go in effect starting XX/XX/XXXX. Sent the Info to Wells Fargo, My insurance Agent even talked to them. They are saying the even thought I paid my policy for XX/XX/XXXX - XX/XX/XXXX in full {$970.00}, Wells Fargo will still escrow my policy payment the same already paid of {$970.00} and increase my monthly payment to cover cost thus adding additional {$130.00} to my payment to bring me back closer to pre refinance amount. I have spoken to the Insurance dept, Escrow dept, Customer service dept and many more at Wells Fargo and each provided a different story. I have asked for clarification and was told that I should give up paying my policy every year in full and let them just do escrow. This is clearly a con by Wells Fargo to make me pay double the amount for insurance.
Consumer complaint received 2022-03-15
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. (GA)

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.