davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (OR)

In XXXX of XXXX  I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXXXXXX XXXX XXXX  sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2023-02-23
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX accounts have been updated, and my correct credit score is XXXX. Experian refuses to do anything despite repeated requests to acknowledge that all my credit card accounts have been paid in full, and that I have a {$35000.00} savings account at XXXX. 
Please have them accurately check the various credit card accounts, and raise my credit score with them from the current absurdity XXXX to the correct XXXX. 
Thank You, XXXX XXXX
Consumer complaint received 2023-02-23
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. (KY)

Im submitting you this XXXX complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (NC)

I tried to use the card in XX/XX/XXXX. At that point it was declined and I realized the card had expired in XX/XX/XXXX. Contacted company XX/XX/XXXX ; they claimed they sent a new one out so they reported it stolen on my credit report and stated they would send out another. I never received the card so I called back XX/XX/XXXX about 2 weeks later they said it takes 3 weeks. Waited again till XX/XX/XXXX then someone told me it would take up to XXXX weeks and some days they will order another. So for the past 2 months I have been charged a {$12.00} account fee and I havent had a card that I could use actually since XX/XX/XXXX. I tried to get the fees reversed but they refused. This is really wrong.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am writing this complaint because I feel disregarded, neglected and discriminated by the financial institution that I had business and personal accounts with and kept XXXX of XXXX of dollars on my balance. For 10 long months I have been going through this and Ive been neglected, mistreated and discriminated. 
I opened my claims over 10 months ago and have been continuously calling and speaking to multiple claims supervisors and executive team representatives and I have been ignored and received an unprofessional approach. 
When I first called Chase I clearly stated that I want to dispute all of the XXXX transactions. Every time when I call to find out the status of my claim I was told a different story. It is their fault that they let over {$400000.00} to be wired without my permission as an account holder and notification. After 10 months of constantly contacting them I feel powerless. Because when I call now there is always an excuse and for some reason no one is available or they dont want to talk to me. 
I originally opened a clam for {$460000.00} for the same merchant. After continuous and difficult fights only {$43000.00} was mysteriously refunded. It is an insult to me that being a long time Chase customer, who constantly holds XXXX XXXX XXXX of dollars in his multiple accounts ; this is a treatment I receive. 

Please find attached the transactions mentioned above and copies of checks I have received. And the email from the merchant who was requesting funds back from me, because my financial institution took money without notifying me and constantly denying my clams and mysteriously approving a small fraction of my entire claim.
Consumer complaint received 2023-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice Capital One Card on my credit report for fraudulent amount XXXX I have called Capital One Card with no resolution.
Consumer complaint received 2023-02-23
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. (OR)

In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2023-02-23
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. (OR)

In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (CA)

-Date/time of transaction : XX/XX/2023 XXXX XXXX XXXX -Transaction amount : {$100.00} ( pre-Auth charge ) - Prepaid debit card issuer : Coinbase I made a transaction at a gas station for {$39.00} on XX/XX/2023 XXXX XXXX pst using coinbase card, For this transaction a pre-auth charge/hold of {$100.00} was debited from my card. Pre-Authorization Hold/Charge issued by issuer bank to check if there's sufficient fund for the purchase. Typically the hold is released after 24-72 hours once the transaction is confirmed. The original transaction amount {$39.00} is already confirmed but pre-authorization charge still remains. I have raised a request with Coinbase to remove pending pre-Authorization charge/hold, they have assigned a case XXXX on XX/XX/2023. This case has been now open for 30 days, every time I followup Im being told the case is escalated but there is no resolution.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (SC)

My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with XXXX nor agreed to pay them. XXXX having my personal identifying information was obtain by way of aggravated identity theft. XXXX is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that XXXX is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that XXXX is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. XXXX contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to XXXX.
Consumer complaint received 2023-02-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX  XXXX XXXX  on my credit report for fraudulent amount XXXX I have called XXXX XXXX XXXX  with no resolution.
Consumer complaint received 2023-02-23
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: Affirm Holdings, Inc (AZ)

I was identity thefted, and all my disputes and reports keep getting ignored. This has caused me to not be able to get a mortgage, leaving me homeless for over 2 years. 
The ignorance is Discrimination. I will be filing civil rights if they do not remove their accounts from my credit report within 5 Days.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 2023-02-09
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. (PA)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I was banking with Chase Bank. On XX/XX/XXXX, I was got until XX/XX/XXXX. 
when I came back I went to the back to check my balance, I was told my account was closed up because of efficient fund. the fund was taken for services to the last penny. 
I did complain to the bank, but, the respond was I can not get my money back. it was used for services. 
I filled complaint with Texas office of the comptroller of the currency. nothing was don. 
the amount was between XXXX to XXXX dollar. 
and this is the JPMORGAN CHASE BANK who took my money.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Why are you indicating that XXXX # XXXX is negative in XX/XX/XXXX if the account was settled in XXXX of XXXX. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.
Consumer complaint received 2023-02-09
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. (AZ)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX Balance : - XXXX & XXXX XXXX Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.