davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DC)

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXXXXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE REMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTORNEY GENERAL OF TWO STATES, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND VETERANS IS PREVENTING ME FROM OBTAINING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS. THIS COMPANY ALSO SO PLACED OVERLAPPING NON LEGITIMATE DEBTS ON MY CREDIT REPORT. FRAUDULANT!! REMOVE IT IMMEDIATELY!!
Consumer complaint received 2019-02-01
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. (IL)

I dispute this info by phone and by certified mail last year. The last time I disputed inaccurate information was in XX/XX/2018. I received correspondence soon after that. They gave me a credit file number of # XXXX and a credit report with many inaccurate accounts and address. I resent all the items out today with the FCRA violations, my police report, and my FTC report. There are many items that should not be on my credit report. 

They even have my old two work address as a home address. One was a temp agency. I never ever received mail at these address with further let me know that someone has my information. I know Equifax has had a data breach but they are not taking my dispute serious.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nathan & Nathan, P.C. (MS)

I contacted the company on XX/XX/XXXX when the court served me with court documentation. Explained to them that transaction were not mine and I had no knowledge of them. On XX/XX/XXXX I provided them with documentation showing where my mortgage company paid the credit card company off. I called again on XX/XX/XXXX, the company hung up on me. Called XX/XX/XXXX provided them with the same documents and they fail to provide me with an investigation to follow up on the information that was provided.
Consumer complaint received 2021-11-13
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: GOLDMAN SACHS BANK USA (NJ)

I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX XXXX. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

On XX/XX/2021 I was asked to send money back to someone after they issued me a bad check. The check had already cleared my savings account, and I had no way of knowing that the check was going to be dishonored by the bank, it was a cashier 's check and I have a copy of it. Not only was it a bad check, it was counterfeit and the person who sent it was not the same person demanding it back and making death threats to me and my family. I was pressured into forcing money out of my bank account with the belief that if I didn't do something fast they might hurt me or my children. Then, when I tried to cancel the transaction I couldn't cancel it, and the bank manager couldn't reverse the transaction either. I lost {$1200.00} because of the abuse. Before the transaction took place, there was also a home break in where things were taken from the home, and my email was compromised, so was my home computer. I was told that the bank actually does have the ability to reverse the transaction, however they did not act. The online transfer was done using XXXX, and they were in the amounts of {$500.00} and {$700.00} on XX/XX/2021.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.
Consumer complaint received 2021-11-01
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: Kikoff Inc. (AZ)

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
Consumer complaint received 2019-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
Consumer complaint received 2021-11-13
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX Balance Owed : {$430.00} DEPTEDXXXX XXXX Balance Owed : {$1500.00} DEPTEDXXXX XXXX Balance Owed : {$670.00} DEPTEDXXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$3600.00} DEPTEDXXXX XXXX Balance Owed : {$6500.00} DEPTEDXXXX XXXX Balance Owed : {$4600.00}
Consumer complaint received 2022-08-22
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: SYNCHRONY FINANCIAL (GA)

I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : Old Navy Account Number # XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 

1. Please confirm the last date reporting or updating account details to each credit company.

2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and i am submitting this complaint without any influence from a third party or Agency. Please see attached Documents and ID as it contains my full complaint and request.
Consumer complaint received 2021-10-12
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: LEXISNEXIS (FL)

I have two dismissed bankruptcies on my XXXX report. I have disputed these bankruptcies for years. Finally XXXX told me that I had to dispute them with LexisNexis, which I did. LexisNexis removed them. XXXX still refuses to remove them, saying that LexisNexis is certifying that they are in their data base. LexisNexis is telling me that they are not certifying to XXXX that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which XXXX is ignoring. I want these items removed. It should not take years to have this corrected.
Consumer complaint received 2021-12-11
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

On XX/XX/XXXX, I obtained a phone from my former employer which had been using XXXX XXXX XXXX mobile service. The employer had already contacted XXXX XXXX XXXX and requested the phone be unlocked so I could move it to another service provider. There would be no charge for doing this. 

While trying to obtain the new service at XXXX, the representative told me the phone was still locked. So I called XXXX & XXXX to unlock it. 

The XXXX XXXX XXXX Representative asked me information such as the IMEI a number, serial number of the phone, the employer name, etc., and then began asking me a lot of questions about myself including contact information, etc. I questioned them as to why they asked for my personal information, and they told me it was required to unlock the phone. At the completion of the call, they said I would receive an email with unlock information and it would be unlocked within 24 hours. I did receive the email, but nothing worked to unlock the phone. To make a long story short, I spent at least three hours over the next four days with representatives from XXXX XXXX XXXX, and XXXX - the phone manufacturer - trying to get this unlocked. I finally simply asked to talk to a supervisor who ended up unlocking the phone in two minutes from my request. 

I thought the nightmare was over, but it had only begun. Two months later, I received a bill from XXXX XXXX XXXX for over {$80.00} for services that I never got from them, had never asked for from them, and had never requested that I be set up at all with them. So I called the customer service line and explained the situation. They agreed with me that this was an error and should not have been billed, said they would take care of it, and the phone call ended. 

As of this week ( XX/XX/XXXX ), XXXX XXXX XXXX has sent/sold that fraudulent bill to collection agencies at least seven separate times ( at least twice to ERC ), some of which have gone into my credit record and posted collection notices, after I explained the situation to each one of them, and of course, refused to pay their demand. None of them ever provided ANY type of documentation that any service had been provided or that I had even requested any service. 

Is there a limit to the number of times that XXXX XXXX XXXX can falsely sell this fraudulent debt to these companies, and a limit to the amount of times they can continue to harass me falsely? I can understand an honest mistake, but there is nothing honest about what they are continuing to do and have tried to do for more than two years. 

Obviously, a rogue employee of theirs tried to make a bonus or some money somehow by selling me an account without my permission, and which XXXX XXXX XXXX promised to correct on a call they say was recorded. But they continue to bug me over and over. At this point I have spent many hours with XXXX XXXX XXXX, their hired collection agencies, and the credit bureaus trying to defend myself against this fraudulent charge. I feel that financial compensation is in order as well.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

In XXXX, I applied for a Citibank XXXX XXXX XXXX last month, and afterwards received a denial letter stating that I had filed for bankruptcy and a previous account with them was included in that filing. It also stated that my previous or existing account has a history of late payments, and credit privileges on my existing account are currently restricted. The bankruptcy they are speaking of was filed in 2004, and my existing account ( Citi XXXX ) never had a restriction applied. I contacted XXXX, whom they stated was the source ( in whole or in part ) in making this decision. I was informed by XXXX that my ( 17 ) year old bankruptcy no longer existed and I had no other derogatory information in my file. I then contacted Citi and advised them of this information and asked that my application be resubmitted. Afterwards, I received a reply stating that they could not verify some of the information on my application. I called Citi to inquire on what information they required and I was placed on hold for an extended period of time. When they realized that I was going to hang up, someone returned and advised that a letter would be sent to me. It has been over a month, and I have not received that letter explaining what they could not verify.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

I applied for the PSLF waiver as I have worked for the State of Missouri for over 10 years and made lots of unqualified payments. After they spent months reviewing my information ( despite my correct information being entered ), they said I actually had LESS qualifying payments than before. I have called will be on hold for hours and then who answers transfers me to PSLF person to only be on for HOURS more. No one has any answers or help and this is a joke.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check on XX/XX/2021 for {$200000.00} to a chase ATM since it was after hours. I received an error on the screen with instructions to call Chase the next day to ensure that the check was deposited. I called Chase immediately the next morning and a dispute claim was made. I was told I would get temporary funds while it was being investigated ( that never happened ). The funds were released from the check holders account on XX/XX/XXXX. Chase wrote back that after investigating the claim, they don't see a problem with the transaction. However It is now XX/XX/XXXX and I still do not have the money nor did I ever get temporary credit. I have been contacting XXXX by secure messaging, social media, telephone and in person visits without any assistance despite giving them all supporting documents from both XXXX and XXXX  XXXX XXXX. I have attached all supporting documents
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I have a Citibank Citi / XXXX XXXX XXXX XXXX XXXX XXXX of the benefits is a {$10.00} credit towards XXXX XXXX. 

Up to {$120.00} back on eligible XXXX purchases Earn a statement credit of up to {$10.00} per monthly billing statement on eligible XXXX purchases, for a total of up to {$120.00} every XXXX billing statements. 

Citi has not processed these credits since XXXX for most customers. I have not had a credit XXXX, XXXX and they are now saying we need to wait XXXX more months to get this credit. This is what they have said everytime I have called them I have asked them to issue manual credits but they say they can't do that. After waiting for months- XXXX emails, XXXX chat sessions I am reaching out here to file a complaint interestingly if I am late by a day they wil charge me a fee- but they feel being 6 months late is ok : ) XXXX
Consumer complaint received 2019-02-02
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: I.C. System, Inc. (WV)

A company called " I C Systems '' reported a delinquent account to credit agencies. My credit report ( XXXX ) now shows a negative collections item reported by XXXX XXXX XXXX XXXX. The original creditor is listed as " XXXX '' and carries a balance of {$130.00}. This is NOT my debt and I believe this is some type of " blanket '' collection attempt, or perhaps fraud on the part of XXXX XXXX XXXX XXXX.