davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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. (CA)

I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for XXXX   and Equifax but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-21
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. (AL)

To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My late wife and I had paid off a car loan from XX/XX/XXXX and paid satisfactorily in XX/XX/XXXX. I asked Equifax to remove this from my credit report and they still has not done this in 9 years. 
They ( Equifax ) appear to block me from correcting this matter.. 

Thank tou
Consumer complaint received 2019-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NV)

I have two loans through Discover student loans. 1 in repayment, 1 still deferred. Despite being on autopay of XXXX/mo with a due amount of XXXX.mo plus an additional XXXX/mo being paid by my employer, and payment history showing the details listed below. There is no progress on the first balance. The latest statement shows an original combined balance of XXXX with a current balance of XXXX. Yet also somehow another XXXX grand in " deferred interest. '' I have made a total of XXXX in payments. Yet the first loan balance is only down by XXXX dollars. I believe there are fraudulent banking practices going on which essentially take the payments and apply them towards an ever-increasing interest ( clearly NOT 6 % ) and only minimally crediting the actual principle. This was not the case with past student loans. I think you have a duty to protect students from this usury. I will forever be an advocate of steering clear of these fraudulent loans. 
If there is ANYTHING you can do to get the proper credit applied to my loans I would appreciate it. 


Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$400.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$100.00} XXXX XXXX Payment XXXX Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$140.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$26.00} Payment XXXX
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc. (ME)

My daughter was in XXXX XXXX  in XXXX in XXXX. I was dealing with a woman named XXXX XXXX on all the billing. She was very helpful and it ended up with everything taken care of after XXXX sent out duplicate checks that were never cashed the first time. 
In XXXX I receive notice from the XXXX XXXX XXXX XXXX, whom I tried to contact on several occasions via phone calls and messages left with the secretary, to no avail. I never heard back after several months of that going on so I assumed it was a scam. I tried to contact XXXX XXXX who is no longer with the company. Heard nothing back until XXXX Credit Collection Bureau has sent out a notice for a collection in the amount of {$2300.00}. I called to find out what this was about and the gentleman I spoke to was extremely abusive, told me he could give me the number to the White House if I wanted any other answers and didnt want to just pay the debt, told me that I clearly stole money from my insurance, told me that he was going to call the police to come straight to my house, and went on to call me several names that were disgusting. When I called back the next day to reach out to someone new I got a young woman named XXXX XXXX Who is extremely sweet and somehow she is from a group called XXXX XXXX XXXX. After several attempts on my end for answers she has me send her a packet which I got through XXXX Of all claims and all checks that were cashed and also who had cashed them to prove that it was not me and it was in fact XXXX XXXX! I pay {$30.00} to send this package out to them at the PO Box she gave me and the name XXXX XXXX she gave me and no one claimed it, it ended up getting returned to me. What I want in the end is for this debt to be cleared because it is not an actual debt and somehow it is a scam between the rehab and XXXX XXXX. Some of the dates that are on the claims stating my daughter did XXXX test are actual dates that she was not in XXXX and I have brought this to their attention on several occasions and once again with no answers. I want this harassment to stop and I want this to be cleared somehow. If this is an actual debt I will pay it but somehow I need answers from someone and proof that this is real. This has gone on for years and this is part of our lives that are in the past so I dont understand why it keeps coming up but no one will respond to me from these companies! Thank you so much.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Was issued a credit card through chase bank in XXXX of 2019. Received aggressive promotional pre approved offer for another credit card. Membership fee was {$95.00}. I then applied for 2nd  card and was approved in XX/XX/2019. By XX/XX/2019, both accounts had been closed due to the additional inquiry I obtained when applying for their card. And also what they described as my being risky due to searching for more credit. Now I have two closed accounts and two inquiries that are negatively impacting me. They gave me the credit then took it away because I applied for a card that they pushed for me to apply for. And then when I asked for a refund of annual fee I was told I would not receive the refund. Chase does not care about their customers. If youre going to flag accounts for too many inquiries you shouldnt be aggressively promoting applying for additional products.
Consumer complaint received 2019-10-24
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. (WA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2020-05-06
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. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CO)

I.C. Systems has been spamming my phone with upwards of 5 calls a day for over a month. They call and ask for my personal information but refused to give me any confirmation about their company ( to confirm it wasn't a scam ) until after nearly a month of harassing phone calls. The 'debt ' in question was paid for on the spot to the original company I ordered a service from ( XXXX , which I do not recommend after this experience ) and has never been 'debt '. this has all persisted despite multiple attempt to prove to the collectors and XXXX that they received payment nearly 2 Years ago when the original event occurred.No evidence has been accepted and I was offered the opportunity for them to review my case if I paid the 'debt ' first, which makes absolutely no sense.
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IL)

I used TransferWise to make a bank transfer in the amount of {$3000.00} from my XXXX XXXX Account to my bank in XXXX, XXXX on XXXX XXXX. They sent me an email saying the money was sent on XXXX XXXX to my XXXX account. They took the money as an ACH, which means my own bank in the USA can not get involved in this transaction. The money was supposed to be in my bank account in XXXX around XXXX XXXX or a few days after, as of today ( XXXX XXXX ) I have not received the money. My bank in XXXX has made numerous checks over the last few weeks and say no money has been received and there is no indication that money is on it's way. I have called TransferWise numerous times, sent countless emails to no avail. They keep telling me they are investigating the situation, but have not provided me with any information. I have evidence of all the calls I made to them and all the emails I received and sent.
Consumer complaint received 2020-05-07
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. (CA)

THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.
Consumer complaint received 2020-05-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$7700.00}
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

in XX/XX/XXXX citi bank closed my account without giving me any notice. and it's been 4 month i stilll didn't get any notice from citi bank and my money back. I called their customer service right after i found out my account is closed.they told me they closed my account and it refund me my money ( {$21000.00} ) in check. But i didn't receive anything yet. everytime i called they told me to wait 14 days. I am keep waiting they never send anything. If i call customer service they tell me to go bank so they can issue me a check. when i go to bank they told me they can't issue a check i have to call customer service. They are harassing me a lot. I'm so broken in mentally. And i'm in XXXX because of their harassment. everytime i call them they harass me telling me they don't find me in system. and hang up on me. When i called back and report this they told me they don't know why old agent told me they can't find me. I'm so disturbed. One time they told me they don't see my money. Later i called them again they told me they see it and they will refund me. But it's been 4 month they didn't refund me. Now they are telling me they won't give me my money back. they said they send the check once if i don't receive it. it's not their problem they wont give me money. I don't know what to do. I haven't pay for college, rent and and have no saving for my family. I'm XXXX  lost please help me.everytime i called them they told me they will send me a check of {$21000.00} my full amount. but they never did. i'm a XXXX  and college already started i couldn't pay for it. since citi bank stole all my money.
Consumer complaint received 2021-12-29
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: JPMORGAN CHASE & CO. (AZ)

JP Morgan Chase Bank pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX of XXXX for a credit card inquiry. This is showing on a credit report pulled when I refinanced my home. I only gave them permission to pull this once. I called the bank to get this rectified but all they told me they could to was send an email. I am wanting this taken off my credit report as they illegally obtained my credit report without my knowledge for a second time. I spoke with XXXX a supervisor who is the only one working for Chase as he expressed no one else can help me. The staff was super rude to me and did not help. Told me I could write a hand written letter to corporate if I feel strong enough about the situation when they illegally pulled my credit for a second time. I also called and told them I did not want the card as they took way to long to respond and they sent me a card anyway.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (CA)

Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.
Consumer complaint received 2020-05-06
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: BARCLAYS BANK DELAWARE (TX)

I did not authorize anyone employed by BARCLAYS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

On XX/XX/2019 I incurred an unauthorized transaction from XXXX XXXX, XXXX. There have been several big leaks on account emails and passwords from the company XXXX XXXX, my first account was compromised at the same time and i presume used by an individual to filter money to themselves. Automatic Payment for {$110.00} Paid with XXXX  XXXX XXXX, XXXX. Account Number : XXXX. 
The Transaction ID for the purchase was : XXXX, from pay-pal, and Seller info XXXX XXXX, XXXX Invoice ID XXXX Total {$110.00}, Recipient email : XXXX. 

PayPal sent me an email saying that, " The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' So of course i have used the service before and i have made purchases from the website itself, but the person that hacked into the account made an unauthorized fraudulent purchase from my account. The website is used by freelancers and partners to sell subscriptions, tips, and other services from which XXXX XXXX takes a cut. 

Now because my claim has been denied my current debit and credit accounts stand with negative balances, these fees jumped from my debit to my credit card ( Plus Mastercard - XXXX ) : XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION - TRANSACTION FEE Type Fees {$12.00} {$130.00} Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX Type Bank Transaction {$100.00} {$110.00} I also had to cancel my pay pal credit account in fears that then that account could also incur fraudulent charges. PayPal will also not allow me to detach my debit account from their website, so maybe i will also have to close that account down. From what i read online is that i am not the only one in the same boat. 

" Safe & Easy Way to Pay. Get Started Today. " -PayPal XXXX