davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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 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 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

Fraud-Unauthorized checking and savings Money mule scheme/identity theft Please contact PNC Bank 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 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (WI)

Company called TSI keeps calling my place of employment. They ask to speak to me and tell my employer/coworkers who they are with and on a recorded line. They have also contacted my ex wife and claimed that they can not get ahold of me. They explained to her information about my personal finances. When googling this number, ( XXXX ) XXXX, it comes up as a scam risk. They state that I owe money to a state I no longer live in. They also claim that this is dealing with my taxes from XXXX. Its almost XXXX tax season! No communication has come from this state prior to this. The individual calls my ( one phone line ) place of employment daily. This is an absolute harassment towards my employer and directly takes a strain on my employment. If a debt is due to a certain state/entity, it would be sent via the U.S. Postal Service. When telling the individual that it is beyond unethical to contact my place of employment and former partner, they stated that they have tried to contact my cell phone but it goes to voicemail. I asked that they leave a voicemail or send a letter. It was explained to me that they have tried contact me but that my phone must not be working and they are not allowed to leave a voicemail. They have also stated to my ex partner that they can not send mail over state lines ( WI/IL ). I make and take numerous calls on this phone daily. This is pure harassment techniques that are beyond the point of a code of ethics and should not be taken lightly.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

Ally Finance reported to credit bureaus that I was late 6 times. This is absolutely false. I was never late 6 times. In fact Ally themselves never reported that in previous months. 

They also are contunuing to report a 30 day late payment, when in fact this is incorrect.
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NC)

I switched cell phone providers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX had a promotion in which they would pay up to {$500.00} per line for each line switched. Once they took over the phone numbers, I was no longer able to access my online account at XXXX to print the final bills, something XXXX XXXX XXXX required in order to reimburse me. I spoke to someone at XXXX and asked them to mail me my final bills. They never did this. I tried to ask for this multiple times via phone, text, email, chat on their billing page, and even in writing. XXXX XXXX XXXX required submission of the bills within 30 days in order to reimburse me, and of course, I never got a bill from XXXX to submit. To this day, they have NEVER received an itemized bill, yet they have hounded me via multiple calls daily, collection agencies, etc., and have negatively impacted my otherwise stellar credit rating. The amount they claim I owe is far higher than I had calculated, to boot, even at the onset of this situation. 
In response to letters from RPM collection agency, I sent a certified letter demanding proof of what I allegedly owe and asserting my rights under the Fair Debt Collection Practices Act. I am still getting calls.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get information corrected on my credit bureau report with Transunion and XXXX. XXXX XXXX of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DE)

My ATM/XXXX XXXX  card will not work for the last few years. I only use it to withdraw funds at the ATM maybe six times a year. I must go into a branch or call the fraud department whenever it fails for an unknown reason. I go to the same branch every time. XXXX XXXX never works, and Wells Fargo keeps holding my account hostage and forcing me to speak to someone whenever I need cash. This needs to stop as it has been happening for years and is intentional on the part of Wells Fargo to prevent access to my funds. I have close to XXXX in the bank. I should not be stopped whenever I want to take out {$100.00}. It is deceptive and unethical on the part of Wells Fargo. These are not fraud controls but rather handcuffs.
Consumer complaint received 2022-07-14
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Because I was late once Citibank feels that it has the right to call me everyday at work and at home at least three times a day. This is annoying since I had already pay what was owe for that month. I research this on the Internet and found this is a common practice with Citibank. I will never get another card from them when I pay them off. Isn't it illegal for them to do this if you are not past due? I always resent that they have posted a big past due on my account when I am currently not. What gives Citibank the right to torture people like this! I don't feel that I should have to pay a lawyer to get Citibank off my back!
Consumer complaint received 2022-07-14
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: Chime Financial Inc (KY)

I talked to XXXX about not receiving my package. XXXX gives me XXXX about getting back to me in 12 or 14 days. Never gets back so I go to Chime. Chime takes their sweet precious time as usual to do the investigation. I tell them that I didn't get all of my items and they basically say there was no error made despite me STILL not getting my items. XXXX shows them documentation of the products getting delivered to my house but that's not my issue. I didn't receive all my items! I got 12 or 13 out of 64! Chime closes dispute no matter how many times I provide information over the phone or over email about me not getting my items. Basically once they close your claim and came to a decision they're not going to look into XXXX. It's game over and that's their final say I guess. 

I included the screenshots of shein being on XXXX saying they can't give me my money back because the complaint is still open despite it clearly saying closed.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$2300.00} I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions.
Consumer complaint received 2022-07-29
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. (SC)

I've US Dept. of Education/XXXX  XXXX Delete this account because of 15 U.S. Code 1681i-Procedure in case of disputed accuracy, this account was once deleted then reinstated back on my credit with no evidence at all. I would like to know who furnished the information as accurate? This account was also deleted off XXXX and XXXX and was not reinstated. 

XXXX XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 


XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 


In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX
Consumer complaint received 2022-07-29
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. (FL)

I received a copy of my credit report and found the following item to be a Violation of my Rights. 
XXXX XXXX  - # XXXX amount {$3600.00} HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has also 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 an account without my written instructions This account has been removed from XXXX and XXXX due to many violations Equifax states this account was verified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed contracts with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf or delete.
Consumer complaint received 2021-04-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

I have filed several dispute regarding merchants in the past and each time this institution refuses to credit my account pending an investigation and the disputes are denied in the end. The same person investigates the complaint and request information that is impossible to obtain. The most recent dispute was regarding a local XXXX XXXX that served under cooked hamburgers. I followed the direction on the receipt and called the number on the receipt on XXXX XXXX ( XXXX ) -XXXX. I left a voicemail. I called again on XXXX XXXX and XXXX was told someone would be contacting me so I would receive a refund. When I was not called, I called back two times for a total of three. When I did not receive a refund I filed a dispute XXXX XXXX. SunTrust sent an affidavit on XXXX XXXX I signed and returned it. When I did not receive a credit I called and found the same person XXXX requesting additional information. I sent the additional information which was question did I return the food and what date did I return it. I feel it XXXX would have called the merchant investigating and read the dispute I filed it would know I did not return the food. SunTrust is a difficult bank for me to file a dispute as I do not feel it follows the rules for disputes. The rules for its disputes are not published nor provided at the time of filing a dispute. A consumer like me is left in the dark depending a perhaps biased investigator. I feel that this investigator is not and has not worked in my best interest.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (OH)

I've called Netspend numerous times about multiple deposits missing out of my account.They refuse to look up the ACH ID TRACE NUMBERS for these missing deposits.XXXX XXXXXXXX I've called them for missing deposits and Today XX/XX/XXXX I've also called them for more missing deposits.How am I going to get my money back?
Consumer complaint received 2022-10-01
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INVESTORS BANK (NJ)

Hello, I am applied for refinance back in XX/XX/XXXX and it took them til XX/XX/XXXX to process my loan refinance application. During the last stage they failed to notice I am in forbearance since XX/XX/XXXX and I paid that amount back to the original lender. I provided the Investors bank many copies of paid off letter and they canceled my loan application because they are stating I failed to provide documents. They have never requested these document prior to loan processing and it was always reported that I was in forbearance in the credit report. They have failed to recognize that In the report. I have spend so much time and money on the refinance. They are refusing to process the application because the rates went up and they will lose money because I was locked in at lowest rate back in XXXX. 

Sincerely XXXX
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/XXXX, I received an email from Barclays, stating that I had earned a {$100.00} flight discount, because I spent {$2500.00} over the past membership year. The email provided me a flight discount voucher code ( XXXX ) AND expiration date ( XX/XX/XXXX ). I tried to book a flight on XX/XX/XXXX, and when I entered the code, I got a response that there is no value to that number. I called their customer service line, and was told that the code was only good for 6-months. I explained THEY sent the email to me, stating it expired on XX/XX/XXXX. The person on the other end of the line insisted the code was only good for 6-months from the issue date. She advised me to call XXXX XXXX. I explained that the email came from Barclays, not XXXX. I asked to talk to a supervisor, who told me they were aware of this problem and that I couldn't use it on the flight I wanted to book, but that they would credit my credit card account. She told me that they would have to investigate it. I explained that if they were aware of the problem, why would an investigation need to be done? She couldn't give me an answer. Well, I've been waiting for their investigation to be done and my account to be credited. Today, XX/XX/XXXX, I received a letter from Barclays, stating " We're currently unable to assist you with your Rewards issue. ''
Consumer complaint received 2022-07-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TN)

XXXX Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DISCOVERBANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-01
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: JPMORGAN CHASE & CO. (NY)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-07
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)

Yes I got in contact with Equifax on XXXX the XXXX 2021 about fraudulent information on my credit report the person that I spoke with in the fraud department stated that I should file a FTC report so Im uploading the documents to Cfpb so Equifax can see that I did it so they can remove all the fraudulent accounts thats on my credit report I also spoke with them about the unauthorized hard inquiries that was on my report that I didnt authorize and they told me to write a affidavit of fraud stating that I am a victim of fraud and they told me to get it notarized so I did that now I Will like to get this horrible situation taken care of which is getting these items remove immediately