davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (DC)

I made the final payment electronically, for the outstanding amount ( balance ) due on my credit card account. Once that payment cleared my bank account, I wrote a letter requesting that my XXXX balance Sears/Citibank credit card be closed, effective as of the date of receipt of the letter. 

The letter was mailed certified, return receipt reqested ( U.S Postal Certified receipt-artical # XXXX XXXX XXXX XXXX XXXX ). Bar code # XXXX XXXX XXXX XXXX XXXX XXXX ). The returned receipt vertifying that the letter requesting my account closure was received. 

Approximately, three weeks later, I received a statement showing a XXXX balance, in my account along with a New credit card. I have not activated the card, nor do I intend to do so. I am requesting that the FTC-Consumer Finance Agency/department assists me in getting Sears/Citibank to close my credit card account as per my request.
Consumer complaint received 2022-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

I was offered by PayPal to convert my personal account into a business account. After taking my first payment PayPal then froze my account requesting documents to prove the legitimacy of my business which I did. They then refused to release my account after providing all documentation proving the authenticity of my business. I then requested that they return my account to a consumer account and the still refuse to do so. This has affected me both personally and business wise. If they needed proof which was provided before converting my account the time to do so was before converting my account not after I began taking payments.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$390.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-24
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. (FL)

I am formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-13
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX  XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-06-30
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. (FL)

My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX, XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on transunion & XXXX  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not transunion and XXXX. The first document attached will show the inaccurate information from Transunion & XXXX  and the second document will show the correct information that they need to update.
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (KY)

XXXX XXXX Acc.XXXX for XXXX dollars. 
XXXX XXXX XXXX XXXX, Ma XXXX According with the fair credit reporting act, the above account stated abovehas violated my rights according to15 USC section 1681. Whch state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Consumer complaint received 2020-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXX {$5500.00} XXXX {$410.00} XXXX XXXX  {$350.00} XXXX XXXX {$410.00} XXXX XXXX XXXX$740.00}
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: American Credit Acceptance, LLC (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XXXX 2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-10-13
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: JPMORGAN CHASE & CO. (NJ)

Had a dispute with the XXXX  guys merchant was asked by chase to provide documents of proof fax it on XX/XX/XXXX emailed it on XXXX cause chase said they did not get it checked with chase if they received it but chase said no, asked them if I may lose dispute cause they are not getting documents of proof yet they said I had an extension called again on XX/XX/XXXX, they said I had a extension and should call back tomorrow to check if they received it called again on XX/XX/XXXX they asked me emailed XXXX again nad I uploaded it the server ( last time I tried server it did not work on XX/XX/XXXX I got a message from chase saying that they received my doc and they get back to me in 3 days called chase on XX/XX/XXXX and they said that since I have not provided documents therefore I have lost the claim of {$1600.00} it looks like a nice set up by the credit card to make me loose the case
Consumer complaint received 2021-10-13
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: JPMORGAN CHASE & CO. (SC)

I was 100 % unaware that my charge card was being used for something involving XXXX XXXX or something associated with it, there were charges ranging approx. {$99.00} - {$4.00} for different subjects according to the explanation of charges it would say professional services, entertainment, and various other names. The mass amounts of charges were smaller charges $ XXXX {$19.00} charges, I have medical problems that's private and on a small XXXX for my income who ever used my charge card was using it as if they weren't paying for it and didn't care. I'm XXXX XXXX XXXX and don't make childish charges as been placed on me. I have reached out to Chase charge card company several times and demanding those fraudulent charges be dropped, and they believe the XXXX XXXX and are refusing to remove them. I asked around my family and no one has used my card, however there were several other accounts linked to my XXXX XXXX and I deleted a third party account and got a new number and card. The only way I ever fooled with XXXX was to play XXXX years ago and it was a big mistake it opened the door once I gave financial information to them. These charges have been done several days in a row to skipping a few days. I want my fraudulent charges removed they aren't mine. I can't get in touch with XXXX except messaging them while telling them the charges aren't mine they say its against their policy to remove the charges. I guess when it isn't their money they don't care. I will admit I made a few charges over the years very few 4-5 charges for {$9.00} and I believe {$4.00} but there's been someone making numerous charges, my wife was suppose to monitor my bill she has a lot going on and didn't observe them because they weren't large amounts but added up to over {$4000.00} dollars
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

The debt that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXX XXXXXXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Consumer complaint received 2022-06-23
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. (NY)

We have a Sappfire reserve card, the highest tier card Chase bank offers, that costs {$600.00} per year. 

The reason we got the card was to take advantage of the rewards travel program that offers credit for booking flights through Chase website. 

We booked a flight in XXXX of 2022, but upon our arrival to the airport we were told that we have no tickets. We have XXXX kids and to say the least it was very stressful. We contacted chase and they solved the problem after about an hour on the phone with them, and we barely made it to our flight. 

In XXXX of 2022 we purchased tickets through chase rewards that were also not issued and chase had to be contacted to fix this issue. Which they did. 

Now we purchased tickets again through chase rewards, for our family of five, and the nightmare began - tickets were not issues. After about 7 calls to chase over many days and more then 10 hours on the phone with them, we got three tickets issues, but the other two are not. Airline company says we have to talk to Chase, and Chase simply can't do anything. Also now we will be all seating separately because all our tickets have been separated. But It's not even clear if we'll be flying at all. 

Chase is refusing to take any responsibility or give us anything for all our troubles and time wasted. 

Their credit card is clearly misadvertised and they sell services that don't work. It is a clear scam on Chase part.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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 2022-06-23
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: CITIBANK, N.A. (NY)

all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXXXXXX XXXX i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me Home depo not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Consumer complaint received 2022-06-23
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: Westlake Services, LLC (NY)

all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by Westlake financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I returned my online ordered items to Macy 's store in XXXX XXXX XXXX and was issued with a gift card in the amount of {$170.00}. and early this XXXX when I attempted to use it and found was locked by Macy then I made 5 phone calls ( 2 from home and 3 from the store ) plus 2 emails since XXXX trying to get this gift card unlock ; every time when I called, every customer service at the gift card department I spoke with, promised will get it unlocked after 7 to 10 days but it's still not being unlocking until now. 2 emails sent to their gift card department XXXX also never get a single response. when I attempt to resolve this issue with Macy they gave me a case number which is XXXX.
Consumer complaint received 2022-06-23
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. (IL)

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.