davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2020-10-31
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: Experian Information Solutions Inc. (TX)

XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
Consumer complaint received 2023-01-14
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. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The following account # XXXX does not belong in the collection and should be removed from my credit file. I tried numerous times to pay this account from the day I moved out in XXXX. The information being reported is inaccurate ; the account was not past due and is not a bill from XX/XX/XXXX. My due date to move out was XX/XX/XXXX and the management company asked me to move out in XX/XX/XXXX, because they needed the apartment for a new tenant, due to an issue on their part. 
I agreed to move out in XXXX and pay only the few days of rent while I moved out and cleaned the apartment, which totaled {$390.00}. About a month after turning in the apt keys to the property manager, I attempted to log into my online account to pay the balance, as instructed to do so by the property manager. However, my account was no longer active within the online system ; therefore, I sent an email to both the leasing agent and the property manager to advise them about my inability to access my online account. 
Both emails bounced back ( see attached emails ) and it turned out the property email addresses were deactivated and telephones numbers were disconnected. At this time I decided to physically go into the office to not have any fees lingering over my credit. Upon arrival the leasing agent informed me that the property had been sold and they can not accept my payment and I had to contact the previous property management company. I did a XXXX search for XXXX  XXXX  and found their Corporate office in Illinois and sent an information request through their website and I was informed I had to pay the new property owners and my payment could not be accepted by them. Then I contacted their accounts receivable department where I was informed that they could not locate any account with my name. With that said, please remove account # XXXX XXXX XXXX from my credit file as it no longer belongs to me and has been sold. 
Thank you,
Consumer complaint received 2023-03-22
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. (IL)

I called Equifax, XXXX, XXXX XXXX all of them keep telling me they cant take these unauthorized accounts and inquiries off my credit report I sent In police reports ftc reports and I even sent over documentation to prove that my identity was stolen and unauthorized Good and service was open without my consent to do so and they wont do any about it they told me they was going to investigate I havent her anything back or when I call them they hang up
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

The debt was submitted to Jefferson Capital System. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/2022. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of XXXX distress and at the other diminishments of the quality of my life.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo must supply me with a copy of a document I signed for overdraft fees. I did not voluntarily opt into overdraft fees system by default. I need evidence to support that I opted into Wells Fargo overdraft fees. I do not agree with excessive overdraft fees this bank continues to charge from me. 

I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. They also choose which transactions are paid by them at their one discretion without my input or consent as a consumer, which in return harms my finances. I need proof that this bank is not just engaging in preditory banking and fees imposed on its vulnerable consumers. I need a document that shows I signed a consent to approve of their overdraft fees. I believe their overdraft fees are excess, predatory and discriminatory to minority consumers. I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$5.00} so that they can make profits. This bank needs oversight in its abuse of low income low network customers. Fees are just too excessive. They have power to pay for certain transactions only when they know they will make profit, with no regard to negative effects on its low net worth consumers.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

On or about XX/XX/2022 an invoice was sent from the company I was a vendor for in the amount of {$1000.00} to my XXXX  XXXX XXXX account. I used the service provided by the Square Company. They chose to deactivate my account after what their policy viewed as improper usage of their platform. I was sent an email on XX/XX/XXXX conveying to me that they would hold my money for 90 days after which they would send me an email notifying me that they were releasing the funds to my bank account. The scheduled date of release was XX/XX/2022. I called On the XXXX and lodged a formal inquiry as to where was my money and I was told that I would receive an email which I have yet to receive.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (VA)

N accordance with Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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. States : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (CA)

I have a auto title loan with TITLEMAX. My payments are {$370.00} per month. In the month of XXXX I made 3 monthly payments. The first payment was made XX/XX/2021 this was for the XXXX payment the second payment was made on XX/XX/2021 this was for the XXXX payment on XX/XX/2021 I made a third payment for the same amount for XXXX. TITLEMAX misapplied the payment made on XX/XX/XXXX and applied it directly to the principal balance. I have called three times about this issue and I asked them to either refund the money or to apply it to the XXXX  payment and again they have not done it and now are trying to repossess my car. The first time I called I was promised a call back by the end of the business day and I didnt receive it I called two days later and I was told that there was no notation on my account that I had ever called and that they would need to have a supervisor call me back. When the supervisor called me back she informed me that the payment could not be reversed or reapplied to XXXX and that I would need to make another payment. I advised the supervisor that I do not have money to make another payment because of how I was affected by Covid and I wont be able to make two payments in XXXX either. I have documentation showing my payments on the TitleMax app.
Consumer complaint received 2020-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

RE : The XXXX XXXX/XXXX  # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I had fraud on my account from XXXX XXXX XXXX  {$86.00} in XX/XX/2020. This charge is fraud, I never made this purchase. I've asked several times and the money has not been refunded to me. I also complained about Chase Bank to my senator XXXX XXXX. I also emailed the office of my congressman XXXX XXXX to complain about Chase. I also submitted a comment to complain about Chase Bank to whitehouse.gov/contact. I also filed a tip about Chase Bank to my local XXXX XXXX XXXX XXXX  XXXX at XXXX.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. I was checking my credit report on XXXX XXXXXXXX XXXX and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, XXXX, and Transunion and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Consumer complaint received 2023-01-09
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: CITIBANK, N.A. (GA)

I had two credit cards with Citibank, I cancelled the Citi XXXX card on XX/XX/22 because I couldn't justify the annual fee with my spending habits. At the time, I had XXXX Thank You Points. Note, the two cards were combined in Citi 's Thank you point program. I was unable to see the Thank You Points separately in the program website, from everything I could see, the points were combined and not associated with either card anymore. 

I ask the CSR if I needed to do anything with the Thank you points after cancelling, since the cards were combined. I was told no, because they are combined. I received a confirmation email that my XXXX card was cancelled on XX/XX/22, it stated that I needed to use the thank you points within 60 days. It also stated you won't have access to the site unless you have another card, which I do. I assumed this was a generic email that did not differentiate between combined and non-combined Thank you points accounts. 

I logged into my account in XXXX and noticed that XXXX thank you points had disappeared, I called the Thank you Department and was told there was nothing they could do because it was after 60 days. I called back and the new CSR tried to reinstate my XXXX card to see if they could fix it that way, but it was denied due to the time frame. At this point, I was told the points were gone forever. No other options were provided, I would have been happy with a similar credit on my other open card. 

I lost {$900.00} worth of points because of a misunderstanding on how the cancellations work when you have multiple cards that are combined in the Thank You Points program. At a minimum, the points should be paid out as a credit at their lowest {$0.00} cents value. Why would points that I earned just disappear? Why would a reasonable consumer cancel a card with {$900.00} of points on it to save a {$99.00} annual fee?
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (WY)

I went to XXXX XXXX XXXX XX/XX/year> with the purpose of looking at a vehicle, and possibly purchase. For them to give me the numbers I was looking for they had to do a credit inquiry, which I approved. I did not like the offer, and the numbers they gave me, so I left. On the following day XX/XX/year>, I got a message from my financial institution that there was a possible unauthorize hit on my credit report. It showed that it came from Hyundai Capital America. 
Cause of life issues, I wasn't able to contact Hyundai right away. I contacted what I thought was the corporate office, at the end of XXXX. I have been given the run around ever since then. 
I had emailed the General Manager of XXXX XXXX, XXXX XXXX, and I left a message for Assistant General Manager XXXX. Then today, I talked to a XXXX XXXX, who told me that they are not able to remove the hit, and try to blame another financial institution. Which I told him multiple times that if it were another financial institution it will show that entities name, however it is showing Hyundai.
Consumer complaint received 2022-09-20
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. (TX)

I am a natural person, I am

a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I hav
e the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (IL)

An XXXX Vacuum And Mop Were Purchased Online ( Since The Item Was Not Available At The Store ). The Item To Date Has Not Been Received. According To The Carrier They Left The Package Outside And Stated That No Signature Was Obtained Because It Was Not Requested Or Required By The Shipper ( Best Buy ). When I Spoke To Best Buy They Could Not Explain To Me Why They Did Not Require A Signature On This High-value Item. Therefore, The Package Was Left Outside. As A Result, The Package Has Gone Missing. None Of My Neighbors Have Seen It. I Have Exhausted All Measures Of Trying To Get This Matter Resolved With Best Buy And The Carrier XXXX. I Have Called Them Several Times And After Being Told That They Would First Investigate With The Carrier, Then Going To Re-ship Once The Item Was Back In Stock And Require A Signature This Never Happened So When I Called Back After Several Days For Status, Then The Rep Stated They Were Going To Process A Refund Back To My Citi Card For Me To Re-order The Product Once It Became Available Because It Was Out Of Stock Again This Never Happened Either So I Had To Call Back, Then They Told Me I Had To Put In A Claim With XXXX  For The Missing Package Well I Tried That As Directed By Best Buy To Only Come To Find Out That I Couldnt. I Called XXXX Several Times To Get The Matter Resolved, XXXX Told Me That Best Buy Had A Restriction And Only Best Buy Could Put In The Claim For Me, Not The Receiver. Frustrated, I Then Called Best Buy Again And Just Kept Getting The Runa- round. I Asked To Speak To A Manager And Was Told That No Managers Were Available And I Would Receive A Callback. I Also Sent a Customer Service An Email As Well. Since Last Week ( Week Of XX/XX/ ), I Still Havent Gotten A Response Back To My Email Nor A Call Back From Their Escalations Department Or A Manager As Requested. Im Done Wasting Hours Of My Time And The Frustration This Has Caused Me With Trying To Get This Matter Resolved With The Merchant And Their Chosen Carrier. This Is Unacceptable! Especially Considering The Amount Of Business And Money I Spent Every Year At Best Buy. Ive Expressed This To Them In My Email As Well. I opened up a dispute with CITI and they stated there is nothing they can do further on their end because Best Buy provided proof to them that they gave the package to UP, even though no one signed for the package. SO FRUSTRATING! to have to pay for something that I never received.