davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp (HI)

LENDING CLUB BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM LENDING CLUB OR FROM XXXX. XXXX OR XXXX, LENDING CLUB BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Consumer complaint received 2021-05-25
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. (PA)

A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, BANK OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (RI)

Shares of Macys ( M ) fell nearly 3 % at the open. 

Dear Macys, Red Card, and XXXX Information of Inaccurate Reporting, Which includes constant proof of the CFPB and New York Court Judicial Program Crashing Daily for no Apparent Reason ( XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX has been involved with corrupt and deceptive business practices such as scams around XXXX XXXX dollars cash from XXXX that your agency stole through XXXX Wrongdoing at XXXX XXXX XXXX XXXX XXXX and your Sales and Management Representatives under the Name XXXX XXXX, XXXX XXXX, XXXX XXXX and unknown last names XXXX and XXXX including XXXX Known suspects XXXX XXXX and XXXX XXXX who were caught on camera regularly fixing scams inhouse to sell Narcotics on the Sales Floor and During the XXXX 's Parade with XXXX XXXX, XXXX XXXX and XXXX XXXX on a website where the evidence is clear XXXX XXXX was involved in XXXX XXXX which is XXXX, XXXX  XXXX XXXX Your Freelance Signage Setup is non existence in the mens section at XXXX XXXX XXXX XXXX Rhode Island which is very depressing. There are no mirrors in the mens fragrance carousel " Shares of Macys ( M ) fell nearly 3 % at the open. 
Macys XXXX XXXX XXXX said in a statement. While we work diligently to complete the investigation as soon as practicable and ensure this matter is handled appropriately, our colleagues across the company are focused on serving our customers and executing our strategy for a successful holiday season. 
New York XXXX Macys announced Monday that a single employee was responsible for so many accounting irregularities that the company was forced to delay its quarterly earnings report, which the retailer had planned to release Tuesday. '' This incident has been reported to the XXXX Police Department and is pending approval XXXX Police Department XXXX XXXX XXXX XXXX, FL XXXX XXXX General Information Incident Type Narcotics Tip Tracking Number XXXX Report Date XX/XX/year> XXXX PM Reporting Person Information Name XXXX Transcript, XXXX XXXX XXXX Employer Name ( XXXX ) XXXX XXXX Incident Information Incident Location, XXXX, FL Narrative Incident Description Known Websites with XXXX Police XXXX and XXXX Police Department Officers Distributing XXXX. 
XXXX, XXXX  and XXXX with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXX  XXXX and Taking Bribes from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. XXXX. XXXX XXXX. XXXX. XXXX. 
XXXX The Regional Office will contact you if it needs more information about your complaint. If you need to communicate with XXXX or submit additional information regarding your complaint, please do not reply to this message. Instead, please direct your correspondence to the above office.We recommend that you print a copy of this message and retain it for your XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Upon reviewing my credit report, I noticed that there are late payments remarks that's damaging my credit. Equifax, hasn't updated the accurate reporting of my accounts that do NOT accurately reflect my payment history. According to the Information I have on record, all of my accounts are in GOOD STANDING or paid off. These inaccuracies are affecting my credit score and, consequently, my ability to secure favorable financial terms. Under the UCC, particularly UCC 3-301, it is stated that a person entitled to enforce an instrument must be able to prove the validity of claims made against an account. In this case, I challenge the validity of the late remarks on my credit report. I request that you investigate this matter and provide me with the documentation that verifies these claims. ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly ask that you perform a thorough investigation and remove these negative late remarks from my credit report as are erroneous. I look forward to a response within 30-day period as mandated by the FCRA. Thank you for your cooperation!!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

XX/XX/year> XXXX XXXX State of Connecticut Office of the Attorney General XXXX XXXX XXXX XXXX, CT XXXX Re : Equifax Consumer Credit Reporting Agency Dear XXXX XXXX, I am contacting your office regarding the inadequate online security of Equifax consumer reporting agency. Equifax is knowingly not protecting consumers in that they have no multi factor / 2 Factor authentication protecting their websites. Any bad actor could simply log in with a user ID and password with no further verification. A credit freeze can be lifted or confidential and sensitive information can be obtained to steal an identity. 
Equifax has had many IT breaches in recent years and user ID and passwords are easily available for many consumers. The irony is that Equifax offers and supposedly specializes in identity protection. Its insane that this protection has not been implemented on their own websites. They have a much higher standard to meet in protecting consumers accounts given their IT breaches and the very sensitive information they warehouse. Even XXXX now has multifactor authentication on their website. 
I have contacted Equifax via the XXXX  ( Case # XXXX ) and I just receive non-sensical responses from a XXXX XXXX of their customer care team. I have contacted their call center and likewise they are uniformed as well. 
I ask that your office investigate this serious lax of security. Im taken aback as to how a multibillion-dollar organization, who is supposed to specialize in identity security and protection, could fail so miserably in protecting the actual consumer. Both XXXX and XXXX have this additional protection in place. This should not be optional for Equifax. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Chief Info and Security/Tech Officer XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX XXXX
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CO)

I responded to an email offer I got from Chase Bank to open a new checking account and receive a {$200.00} bonus if I setup a direct deposit of my paycheck, pension or government benefit. The bonus was to be deposited in the account within 10 days of my setting up the direct deposit. I setup the direct deposit of my pension check from XXXX XXXX XXXX and the first deposit was made on XX/XX/2021. When I had not received the bonus, I called Chase Bank Customer Service on XX/XX/XXXX and asked about it. First I was told I hadnt entered the proper coupon code when I setup the account. I explained to them that I setup the account using the link in the email solicitation that I had received from them and that the coupon code was automatically entered. Then, I was told I hadnt set up the required direct deposit. I told them that I had and was then told a private company pension, such as XXXX XXXX didnt qualify and that it had to be a government pension. I then quoted them the text from the solicitation email that said pension not government pension. I was then told that they were not able to help me and they asked me where I had opened the account. I explained to them that I am currently in XXXX and that I opened the account using my address from a forwarding company in XXXX, Texas that forwards mail to me in XXXX via a currier. Then they said I should make an in person visit to the office in XXXX and maybe they could help me. I think they are just trying to avoid paying the bonus that the offer of the {$200.00} bonus was fraudulent. I will be attaching documentation from Chase Bank that shows the deposit was made and from XXXX ( the company that handles the retirement for XXXX XXXX ) that show that a direct deposit of the retirement check to my Chase account was setup and is in place. I am asking you to direct Chase Bank to live up to the terms of their offer and pay me the {$200.00} bonus
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation ()

We acquired a Netspend prepaid credit card from XXXX  on XX/XX/2022 at the XXXX XXXX XXXX located in XXXX Georgia in order to be able to make payments to certain suppliers. We tried in vain to activate this card but we ran into a vicious circle with the XXXX 's help system : you have to contact a phone number, two options, one of which is to receive an SMS with a link for activation however impossible on a XXXX cell phone and the other an email link to submit a series of information to identify us. After sending several emails with personal and other information, we are asked to provide a XXXX identity document, which we are not able to do as a XXXX citizen without residence in the United States. We put XXXX {$100.00} on this card and nothing suggests a solution to settle the whole thing since everything suggests that we are dealing with a robot and not an attendant.
Consumer complaint received 2020-04-27
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. (MD)

I filed a dispute with Citibank over a charge made by Costco. Citibank never allowed me to provide documentation about this dispute ; they never allowed me to even explain my dispute ; I couldn't even talk to a representative about this dispute. Citibank now claims it needs more information, but will not provide me a way to give them the information they are asking for. Attached are screenshots showing there is no way for me to give Citibank information they asked for Put simply : Citibank is using delay tactics to prevent me from giving them information to properly adjudicate my dispute.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (LA)

On XX/XX/21 I had {$520.00} sent to my cash app account I went to go remove the money and it was declined. And since this date I have been contacting cash app support at least 3 times a week to get help and NO ONE will help me. I have been hung up on agent and Supervisors. I have been promised call backs about this issue and promised emails back. BUT NOTHING IS BEING DONE. I received an email back on XX/XX/21 saying that this was for my protection and that it was resolved and to continue to use my card, BUT IT WAS NOT! My money is still sitting in this cash app account and no one at cash app will tell me what is going on or why this happened or anything they just pretty much took my money and will not help AT ALL!! I understand this was done for my protection but now I have verified everything and now I havent done ANYTHING WRONG EXCEPT FOR TRUSTING IN A COMPANY LIKE CASH APP NOT TO STEAL MY MONEY!! I keep getting emails saying rate your experience which I do reply to saying what experience I was told I would get a call back or email back but never did.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

I Disputed this debt with Arcadia a few times and I am very displeased with my results. They have never sent me anything in the mail at all, yet continue to report debts on my credit. I have respectfully requested information as to why, and since I am a consumer, it is my right to identify the debts. They have failed to produce any reason at all for why they are on my credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (MO)

XX/XX/2021 I mailed letters to XXXX, XXXX, and XXXX Also, the collection companies XXXX XXXX XXXX, Capio, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response back from the Collection Companies the accounts and its been over 30 plus days.
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX DC XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX