davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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. (NY)

XX/XX/XXXX Re : Confirmation # : XXXX Hello, In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests. 
They should be removed ASAP. They are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX These inquiries that may impact my score are to be removed or investigated at once. I did not authorize any credit inquiries with these businesses nor do I have any open credit/trade accounts with them at all! 

Also, you are still reporting an account that does not belong to me. It is : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, NC XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (SC)

Self Inc, XXXX XXXX and XXXX have ruined my reputation by furnishing unaccurate information on my consumer report. They have continuously violated multiple consumer laws by reporting in inaccurate late payment on my consumer report. On my consumer report a late payment is being reported for XX/XX/2021 during the pandemic. These companies are misusing medical credentials and violating the HIPPA Laws. As everything I do is for my welfare and health. Self, XXXX, XXXX, and XXXX I am requesting a full accounting of this account both the debt and credit side of the ledger. There are no Late payments on the ledger just credits and debits. In accordance with title 15 usc 1681 B Permissable Purposes A furnishing agency may only furnish a consumer report with the written consent of the consumer. I do not give Self Inc, XXXX, XXXX, XXXX, consent to furnish any late payments on my Consumer report I demand that the late payment for XX/XX/2021 be updated to paid as agreed. Refusal to remove these late payment and update them to paid is noncompliance unde 15 usc 1681 n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} noncompliance will not be tolerated as my reputation is being damaged as well as the health and posterity of my family.

Pursuant to usc 1681a ( 2 ) b any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, The Definition of a credit card under 15 usc 1681 is the same under title 15 602 ( I ) which is the term " credit card " means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit, Congress said ANY card. The credit card is my social security. This is the credit card I use to originate every consumer transaction. All acoounts should reflect that I am the original creditor therefore a late payment can not exist. I am giving my written instructions that all furnishing reports and consumer reports be updated immediately to reflect such and that all late payments be amended to paid as agreed,
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

I briefly had internet service with XXXX  ( XXXX XXXX ) I paid my bill in full and on time. However, during the last week of XX/XX/XXXX there were intermittent outages that eventually ended in my not having service AT ALL on XXXX and XXXX. That was the LAST STRAW for me and as soon as I had service restored I attempted to call them ( my phone is a VOIP phone dependent on internet service thru XXXX XXXX. ) I was able to cancel my service on XXXX ( when my internet service started working again. ) I immediately hired a rival company to provide my internet service. When I called on XXXX, the customer service representative apologized profusely and stated " that internet service had been out for my area and had been restored. '' He also offered to give me credit for the two days I hadn't had service. When I still insisted on cancelling my service ( I had already made arrangements with the other company to come the next day ) he then offered me an ENTIRE MONTH for FREE. I said no. He then got a bit surly and said that since I had already begun the new month I would be charged for the ENTIRE MONTH even though I had only had service for an hour when I called on XX/XX/XXXX and had not had service AT ALL on XX/XX/XXXX and XX/XX/XXXX!! 

I then received a notice from a debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I then received a call from XXXX XXXX XXXX on XXXX and I explained what happened with XXXX and never heard from them again. 

In late XX/XX/XXXX I received a letter from a debt collector ( Credit Management L.P. XXXX ) I told a woman the same thing I had previously told XXXX and XXXX XXXX XXXX. However, today, XXXX I received notice from a credit monitoring service that Credit Management L.P. had entered a bad debt for {$49.00} with XXXX and my XXXX score had dropped by more than 100 points! 

To sum up, I DO NOT owe XXXX XXXX ANYTHING. I canceled their service when they had technical problems that resulted in my being without internet for ~ two days. And to add insult to injury, they wanted me to pay for an extra month of service when they FAILED to even provide adequate service for the short time I was with them!!
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

On XX/XX/XXXX my US bank checking account was restricted after I received a XXXX loan from XXXX XXXX and I withdrew XXXX. I was told I would receive a cashier 's check within 60 days after account was closed. On XX/XX/XXXX I called and was told that the check was already in the mail and if I don't get by Friday call back. I called back on XX/XX/XXXX and discovered that was a lie when rep told me a check was never mailed out. Then a senior relationship manager told me that the funds were returned to the originator which was the second lie. I called XXXX XXXX and they said they never received any funds and for me to call back and get the check info US bank supposedly sent. After that call the US bank retail branch called me and said he actually had the funds in a general ledger and if I wasn't going to come to branch I would have to call US Bank XXXX to get a check issued. When I called they opened up a customer care unit request and I was told they would resolve within 3 business days but I never got a response. Then on XX/XX/2022 I called again and was told they refuse to send me my cashiers check unless I come to branch or do a virtual meeting. Even as I've received letters from the branch at the address on file saying a cashier 's check would be sent upon positive balance closure US branch continues to violate my rights and is withholding funds I have to pay back with interest to XXXX XXXX. Please have them mail my cashier check.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I am having PNC Bank business checking account since XXXX of this year. ACH is always an issue. For some weird reasons, PNC blocked my ACH transactions. 

On XXXX XX/XX/2022, I called XXXX during XXXX to XXXX XXXX  central time. After 20+ minutes of wait ... one lady took all the information and asked me to wait. After 5-8 minutes, I was put in the queue all over again.

If PNC is short on customer service and customer service is not efficient then why to cause issues which requires customers to call customer service? 

Sent email to XXXX but even after 5 days no response from her.
Consumer complaint received 2022-05-18
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. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (FL)

Ameris bank holds my mortgage, try to re-fi with them in XXXX XXXX with thru process, got approved and a few days before closing was told that they did not know my home was a manufactured home even though they hold the loan. ( Paying for 20 years ) said they could not do a cash-out re-fi because of this. then offered a noncash-out re-fi. we said ok and sent in the new signed paper work. then 2 days later they ( ameris ) came back and said THEY COULD NOT DO LOAN because manufactured home was over 10 yrs old. paid money out for appraisal with a company that they said i had to use. having problems getting my appraisal fee back ( {$510.00} ). agent tried to give us a XXXX gift card for {$120.00}. we said NO. they said that they tried to get it back ( gift card ) but that we had already claimed the gift card ( but we did not ) and sent us the difference of {$380.00}. ( after a bunch of fighting for it ) .. XXXX  said somebody else claimed the gift card, but will not give us this info and said for the purchaser ( ameris ) to contact them. i have tried since XX/XX/XXXX to contact them ( mult voicemails ) and they will not return my phone call. have ALL E-MAILS AND DOCUMENTATION ....
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (AZ)

Company - XXXX Amount - XXXX 15 USC 1692c ( c ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to stop communicating with them, the debt collector must stop communicating with the consumer about that debt. Please remove from credit report or I will be taking legal actions.
Consumer complaint received 2022-10-21
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: JPMORGAN CHASE & CO. (CA)

Hi tems In XX/XX/2022, I plan to book a hotel through Chase portal, after I finish the process and click the payment, the portal shows a page that need me to sign in again. so I have no idea whether or not I successfully paid, also, I forgot about my username so I have to close the page and back the Chase App, once I sign in the app again, I have to open the chase portal and there are no record about my previous booking, so I have to go through the booking process again, this time after I click payment, it shows I successfully paid ; In next day, I see that there are two exactly same payments in my transaction, then I know that my first booking is successed, so I ask Chase travel advisor to cancel my first booking, but since the hotel is NON-REFUNDABLE, so I have to ask them to contact to hotel and express what's going on in my end, I send this request in XX/XX/XXXX, and the Chase spend a week and there were no response. So, in XX/XX/XXXX, I give them a call again and they said that the hotel refuse to refund, I ask Chase what's your decision, and they said that their final decision is they won't give me any refund because they don't have system error. However, I never said that this is a " error '' during my booking process, the reason that caused the problem is that their Chase XXXX 's session is ended too fast, just right after I click the payment and the session is ended and I have to go through the booking process again, as a customer, I don't have knowledge about what's going on right after I click the payment since there are no page that shows my booking is success, also there are no payment records in the transaction at that moment ( the transaction record that shows my booking history is in XX/XX/XXXX ) so this system design is totally misleading, so my first booking is totally without knowledge. In the other hand, I think a hotel shouldn't have a NON-REFUND policy since a booking might caused by many reasons, since my first booking is totally caused by misleading, I believe the hotel should help me cancel this payment or this will be very unfriendly to customer. 
So, right now, I really hope some one can stands by customer 's side, and help me get my refund back. 

Hotel name : XXXX XXXX XXXX XXXX Credit card company : Chase Travel advisor : XXXX XXXX called her in XX/XX/XXXX XXXX pst ) Trip id : first booking ( that I booked without knowledge ) : XXXX second booking : XXXX
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/2022 and XX/XX/2022 Wells Fargo Bank sent funds unauthorized on multiple occasions totaling {$6800.00} in {$170.00} increments from my business checking account to an outside company. On XX/XX/2022 I was logged into my online checking account and was startled to observe some of these funds being sent in real time to the outside company. I called the bank and placed a stop order and asked them to reverse the charges. That is when we ( the bank rep and I ) discovered that the bank had been sending funds in the middle of the night to that company on multiple other occasions. 

The bank reversed the in-process {$170.00} each transactions totaling {$2200.00} but claimed there was nothing they could do about the other transactions they had sent totaling {$4500.00} since XX/XX/2022. These were all unauthorized transfers to a vendor whom I had authorized a first of the month {$170.00} single charge ACH. Wells Fargo initiated these transactions and sent the funds. The recipient outside company is not responding. Wells Fargo claims it is my responsibility to attempt to reclaim the funds they sent without authorization. These are not " customer chargebacks. '' I never authorized these transactions. I have submitted multiple claim requests and all have been denied.
Consumer complaint received 2022-05-18
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. (TN)

In accordance with the Fair Credit and Reporting Act, XXXX  Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX, Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written insctruction.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (MA)

On XX/XX/22 I purchased a refrigerator and an electric stove at XXXX to be delivered at my property ( for a fee ), and I opted to pay {$80.00} to haul away the old appliances. They delivered the 2 appliances on XX/XX/22 but didnt haul away the old appliances because of roaches. I contacted XXXX XXXX costumer services on XX/XX/22 to request the {$80.00} refund to my credit card and was offered a gift certificate of instead. I refused because I can only use at XXXX XXXX and I dont have anything there anytime soon. Then they said I had to go in person to the store and show my credit card in order to receive the {$80.00} refund. I believe this practice is unfair and abusive and would like help to make it right. Thanks.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

XXXX is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in experian they show closed no debt equifax they put a different date from XXXX  and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IA)

Master Card has Virtual Account Numbers so you don't have to use your actual credit card number on the internet. For the last 5 days ( XX/XX/XXXX thru XX/XX/XXXX ), the numbers created are being declined when used. They never put out an alert that the system was not working or shut it down. Everything in the system seems to work, but the cards are declined. Even cards that were generated before the problems. I have talked to technical support twice ( after 15 min. of menus each ) and all they say is " there working on it ''. They refuse to shut down the site or put out a warning. They also refuse to agree to send out an alert when the Numbers are working again. This has led to overdue bills and missed sale prices.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.