davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Equifax , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

On XXXX, I contacted my bank, Chase, and placed a claim against the merchant, XXXX. Due to services not be fully rendered. At the time when I spoke to the representative I asked them if they needed any specific information from me and they stated " not at the time. '' I advised that the merchant did not provide me with the services for the duration required. I was provided with a refund in the amount of {$120.00}. I never received any calls, emails or letters concerning any information being requested or otherwise concerning my claim. On XXXX, I received a letter in the mail stating that I would be charged-back to my account on XXXX in the amount of {$120.00} because Chase receive information from the merchant concerning my claim being false. Please see the copy of the letter below. Base on the information that I was told, I was NEVER asked to provide any information concerning the claim. I never received any other letters, emails, statement, etc. I feel that this is completely unfair to me! I am a good customer and I don't purposely or intentionally cause any problems. But Chase bank and their representatives are not treating me fairly. I had to call over three different times on XXXX. I spoke with 5 different people their names were, XXXX, XXXX ; XXXX, Account Supervisor, XXXX, CSR, XXXX, Supervisor in CSR and XXXX, Ticket Submitter When I spoke with XXXX, she stated that it didn't matter what information I had in defense of what occurred with the merchant rather it is text messages, emails or whatever. She said, " the bank is NOT going to recognize it! ". I was hung up on by XXXX and spent 1 hour trying to get back to the executive office, just so I could encounter him again. And he said that he didn't talk to me or hang up on me and he did! I told him that they can pull the tapes! at the Executive office. He gave me a Ticket # XXXX. When asked how long it would take for someone to contact me he said he didnt know! He refused to allow me to speak with anyone that could possibly help me to get this situation rectified. Additionally, this problem has caused my account be be overdrawn! I had a credit card payment of {$10.00} that is currently sitting in a pending status but is most likely not going to be paid by Chase bank because of their horrible treatment of me and my account! I had money in my account to cover the credit card payment prior to the charge back. My previous balance was : {$38.00}. I want my balance of {$38.00} refunded to my account and I want my credit card payment of {$10.00} to be processed and now I will most likely receive a charge for returned payment which is in the amount of {$30.00} and up. I want Chase bank to pay that as well. In addition, I want them to issue me a letter of apology indicating that they caused my account to be overdrawn.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (NC)

I have been emailing Grain Technology Inc Credit since XX/XX/XXXX trying to make a payment on my account and update my payment information. I haven't received any response from anyone. The only responses I receive from them are automated responses. This is very frustrating and aggravating as they are reporting my personal credit with late payments. I have emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have verified all documents through the app, but the application is not working seem like a scam. Things were perfect at first. 

Please assist with this company Grain Technology Inc.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  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 2022-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

When transferring money from my checking account ( XXXX ) to Venmo using their mobile app, Venmo had given me an error and said the bank information was not available. When I tried again on my computer a few hours later, I was able to use my checkings account to send/receive money, but then my account became Suspended due to " Your activity is in violation of the Venmo Content Standard. '' Now I am unable to transfer the money from the Venmo balance to my bank, leaving the money stuck in a frozen account. 
I've spoken to their customer support and escalation teams, but they are not providing me a reason for my account being frozen, nor are they providing any resolutions for me. 

Checking online for help, I saw that Venmo doesn't unfreeze some of these accounts until 6-18 months later. However, I do not want that money to be stuck inside the account just because of their system not working properly.
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NBT BANCORP INC. (NY)

I'm in a very bad hard ship after my wife passed away not bank breaches the XXXX they called when they did not give been working with them on my hard ship the sent a guy to my home very rude demanded the keys I told him I wanted to get my stuff out he got in my face and told me to hand over the keys he took my keys rolled the windows up before all this happens I told him your not taking my car I said I was going to call XXXX got told we are in the right you don't have rights I had to buy a code beforiloose my job home I've been sued I have a hard ship I can prove in court the car has Gap insurance on it iwas told we are obeying the law when they breaches contract I know I have rights I can not afford to repay this loan they did tell me on a recorded line XXXX a month then they said I didn't say that I need help in this matter they also stated bankruptcy will not help you it will not take care of past due amount I know for a fact it does they stated it don't work like that
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-02
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)

XXXX XXXX attached a screenshot of report, this is a medical collection that I disputed with Equifax they said it was Verified how did you verify this without breaking HIPPA Laws and you have failed to Enter Comments that this account was Disputed by consumer it must be entered at the time of dispute, Remove for violations for not entering consumer disputed, you can clearly see they have verified this account because last reported shows XX/XX/2022 how did you verify amount owed without breaking HIPPA Laws what PROCEDURE WAS DONE TO HAVE THAT AMOUNT, so you could not have verified this account
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent XXXX days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I recently was accepted to a job that was labelled as a XXXX XXXX XXXXXXXX at XXXX XXXX XXXX. However, on XX/XX/XXXX, as part of my onboarding process to buy office equipment for the job I sent a payment of {$1300.00} to XXXX through XXXX. On XX/XX/XXXX I sent {$700.00} according to instructions. I was scammed, because I was told that she was a vendor. Moreover, it turned out that the people who were " helping '' me through the onboarding process, were illegitimate imposters who were impersonating the legitimate company, XXXX XXXX XXXX. These impersonators have now received {$2000.00} from my bank account, and I obviously did not receive any office equipment. I can not receive a refund through XXXX because the transactions were authorized. I called my bank multiple times to try to resolve it, but they have determined that no action will be taken. I filled reports on XXXX about the fraudulent scam I got attacked by, but I haven't found any method of recourse. {$2000.00} is a big deal for me right now because I am trying to get through college and pay my expenses.
Consumer complaint received 2022-11-19
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-12-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I am writing to formally lodge a complaint against U.S. Bank Mortgage for repeated and systemic mismanagement of my mortgage account, resulting in significant personal and financial harm. 

Key Issues : Recurring False Delinquency Reporting For XXXX consecutive years, U.S. Bank has erroneously reported my mortgage account as delinquent in XXXX for an XXXX payment. Despite my proactive effortsincluding monthly calls to verify my account statusthese errors persist. U.S. Bank representatives have repeatedly assured me that my account is current, yet false delinquency reports continue to damage my credit and cause undue stress. 

Poor Communication and Limited Access My mortgage is XXXX XXXX XXXX XXXX XXXX XXXX, serviced exclusively by an office in Wisconsin with limited hours and no direct contact number. This severely restricts my ability to resolve issues in a timely manner. 

Failure to XXXX XXXX XXXX U.S. Bank failed to complete required forms for the XXXX XXXX XXXX, delaying the reissuance of a lost check. This caused unnecessary financial strain and disrupted my payment schedule, despite my diligent follow-up. 

Mismanagement of Payments U.S. Bank is currently refusing to apply my payments to my account, instead placing them in a suspense account. This action further exacerbates the situation, creating a false delinquency that harms my credit and my ability to maintain stable housing. 

Acknowledgment of Error Without Corrective Action Last year, U.S. Bank admitted their reporting error, yet the same issue has recurred. This demonstrates a pattern of negligence and an inability to adequately service my mortgage. 

Impact : These ongoing errors and false credit reports have caused severe damage to my XXXX XXXX, disrupted my financial stability, and negatively impacted my quality of life. Every holiday season, I am subjected to harassment through false delinquency reporting, ruining XXXX and XXXX with unnecessary stress and anxiety. 

Desired Resolution : I am requesting the following actions : XXXX correction of my credit reports for the erroneous delinquency entries. 
A full investigation into U.S. Banks servicing practices for specialized mortgages.

Implementation of safeguards to prevent future errors.

Compensation for the financial and emotional harm caused by these repeated errors. 
Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Consumer complaint received 2022-04-01
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)

My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

I.C. SYSTEM, INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND I.C. SYSTEM, INC IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. I.C. SYSTEM, INC is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX XXXX  are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 15 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a.

Again, You have failed to conduct a proper investigation and the information is not accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX Venmo permanently deactivated my account stating there were several concerns with my account and refused to address them or even tell me what the issues were. Ive been trying multiple times to reach out via online chat and email to find out and fix the problem but they will not cooperate. Today XX/XX/XXXX I received an email stating : After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 


So now I would like to file an official complaint against them.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Inquiries not Tied up to Positive Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Financial Warranty LLC (CA)

on or about XX/XX/2022, I hired financial Warranty to help me with my credit I was told by there advisor to put a stop payment on my pay day loans, so I called my bank and paid {$90.00} to put a stop on them. well the bank didn't tell me that it would only keep them from going through if they did a vch, but they didnt they used my debit card instead which they went through. I called financial warranty to tell them what had happened and while I was on the phone with the advisor he put there payment of {$200.00} U was not aware of this until I hung up and called my bank. I called them back and tolled them I didnt want to go through with this and that I wanted a refund because they had taken all the money I had left in the bank and that I could not pay any of my other bills. Sense that day I have been on the phone just about everyday still trying to get my money back. I just called them again this morning and they said it was still in the works. please these people are thieves they have put me and my credit in worse shape then it was before hiring them. I am behind now on all my credit cards and I dont no what to do. I am XXXX XXXX XXXX XXXXXXXX and am now having trouble getting into a home because of my credit and the fact that I'm behind on all my bills.