davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (WA)

I saw on my credit card report that i was added as an authorized user to an account that has been opened since i was XXXX, I have no idea who opened it or how they got my info. i called citibanks customer service number multiple times but was redirected and unable to get someone to help me. i would just like to be removed.
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

I reached out to the company and the person on my case is always rude. He told me about how if i do not decide to pay that my credit will drop more because they will be charging more interest or rate on it. After that phone call we talked again the next day and same person refused to take my call and gave it to somebody else that told me they were busy. They brought up on how i even tried to make a payment before and it made no impact so that i need to just pay the whole thing so that im not getting charged interest daily on my collection. I was also told that I recently ran my credit to apply for a car loan and that i should just pay my medical collection. 
Its really embarrassing knowing that not just one or two people but multiple people know my personal medical information and history and my credit information as well as if I recently ran my credit. I also need a break down of what was done at the medical facility for me to receive a high medical bill from only a 2 hour visit.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXX XXXX in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}
Consumer complaint received 2022-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

XX/XX/2022 EQUIFAX dropped MY CREDIT SCORE XXXX POINTS TURNING THE VERY ADVICE THEY LIST TO IMPROVE CREDIT AGAINST ME 1 : PAY DOWN CREDIT CARD BALANCES AND LOWER CREDIT USAGE-I PAID DOWN ALMOST {$4000.00} IN CARDS AND NOTIFIED THEM IN A DISPUTE-WHICH TOOK ALMOST A WEEK RE THE COMPLAINT WHERE THEY WERE STONEWALLING ME -AND BLOCKING MY ACCESS TO DISPUTE THE NEXT COMPLAINT AS THEY HAVE JUST DONE AGAIN TODAY XX/XX/2022 AT XXXX XXXX  eastern time PLEASE SEE A PICTURE OF THIS ACTION WHICH THEY HAVE DONE AT LEAST 10 TIMES AFTER ONE ATTEMPT AT LOGIN TO MY EQUIFAX AS A DELIBERATE AND PREMEDITATED MOVE TO DENY MY RIGHTS PER THE FAIR CREDIT BREPORTING ACT FORCING ME TO SIT ON THE PHONE FOR HOURS AND SPEAK WITH PEOPLE FROM XXXX, XXXX ETC OR WHEREVER WHO ARE DIFFICULT TO UNDERSTAND AND USE THEIR NATIONALITY TO CONTINUALLY BLOCK MY EFFORTS FOR A FAIR AND EQUITABLE DESCRIPTION OF WHAT I WISH TO DISPUTE WHICH ARE THE OBVIOUS DELIBERATE ACTIONS TO SABATAGE MY CREDIT DUE TO THE FACT I WISH TO EXERCISE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT XX/XX/2022 EQUIFAX JUST DROPPED MY CREDIT SCORE ANOTHER XXXX POINTS FOR THE SAME VAGUE REASONS THEY DROPPED IT IN XX/XX/2022 MAINLY FOR PAYING OFF THE REMAINDER OF THE XXXX ( {$25000.00} CONSUMER LOAN ) AND PAYING DOWN {$4000.00} IN CARDS, NOTE PRIOR TO PAYING ALL TJESE BILLS MY SCORE IN EARLY XXXX WAS XXXX IT IS NOW XXXX THIS IS INEXCUSABLE AND I DEMAND A FULL EXPLANATION FROM EQUIFAX.
Consumer complaint received 2022-06-05
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. (NV)

in accordance with the fair credit reporting act 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 with out my written instructions.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (PA)

I deposited a check in the amount of {$410.00} in my Chase account. However, for some reason they refuse to release it until XX/XX/23, and they've been charging me all sorts of fees despite the account being in the positive. This is unethical and against the law.
Consumer complaint received 2022-06-05
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. (GA)

Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I already submitted a complaint about JP Morgan chase refusing to open a bank account, but I believe this issue deserves another complaint. Unlike the issue with my bank account ( complaint # XXXX ), I was able to open a credit card with Chase for their Sapphire Reserve credit card back in late XXXX. I used the card for more than 3 years, spend hundreds of thousands of dollars and paid my bills on time, and then one day in the middle of XXXX they spoke to me on the phone and told me in a rude way that they will be closing my account and I will not be able to be a Chase customer. I thought this was a mistake and that it wasnt really Chase at first, but then I got the notice in the mail about the same. My account was closed within weeks and my wifes account was also closed. I was able to successfully use my credit car for about 3 years in good standing and then not anymore. This has happened to other people I know. Ironically, same ethnicity as me. I dont understand why I could never apply for a Chase Sapphire credit card since then. I believe its because they looked at my customer history and decided that because I was ineligible to become a Chase bank customer, they could enforce this with their credit cards as well. This is the only speculation I can come up with. It baffles me why I have been subjected to discrimination from JP Morgan Chase.
Consumer complaint received 2022-06-05
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. (GA)

Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX Bank Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX  Account # XXXX XXXX, have 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 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (WV)

I was alerted that my credit score had dropped significantly and received a major derogatory mark on XX/XX/2022. It says I have an account in collections with Amsher Collection Services on behalf of XXXX XXXX. XXXX XXXX is XXXX and XXXX doesn't even serve my area. The closest XXXX  comes to me in my state is 2 hours north. I've never had any services by XXXX and called XXXX first and their agent confirmed he couldn't find any account associated with my name. The reviews on XXXX are showing other people are receiving these same hits to their credit report with the debt supposedly stemming from a XXXX XXXX account. I really need to get this handled.
Consumer complaint received 2022-06-05
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: FORD MOTOR CREDIT CO. (MI)

In accordance with the fair credit reporting act Ford 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 ar open end consumer credit plan as late for purpose.
Consumer complaint received 2020-02-18
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)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I sent a validation letter to a collection agency XX/XX/21 to prove obligation in paying towards a debt and if the amount owed was correct. 

Just recently, XX/XX/21 I received descriptive paper work on procedures done and medications received. I never sanctioned them to send me medical records neither did I sign a release form allowing them to do so. 

Patient confidentiality in my opinion has been shattered. Personal information has been sent out publicly and who knows whose hands they may have gotten into. My HIPPA rights have been violated which is why I am sending this CFPB complaint today. 

I anticipate getting this matter resolved. 

Thank you, Best.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AP)

I had a garnishment from the NCDOR for back taxes. I am responsible for that. In XXXX I did not finish my tax return. In XXXX and XXXX I lived and worked in South Carolina and did not file North Carolina taxes. North Carolina DOR garnished my checking account for back taxes during those three years. NCDOR froze my accounts and attempted to garnish my wages. The account has been frozen for four days. NCDOR has informed me that the delay is the result of Wells Fargo. Wells Fargo did not send the money and kept my accounts frozen. I have my daughters attached to my bank account. XXXX XXXX of the NCDOR sent a fax to Wells Fargo on XX/XX/XXXX at XXXXXXXX XXXX to unfreeze my daughter XXXX XXXX 's checking account as she was not a part of the garnishment. They did not. On Wednesday, XX/XX/XXXX, Wells Fargo took the money from my daughters ' account. 
On Wednesday, XX/XX/XXXX I spoke with XXXX XXXX. XXXX XXXX represented herself as the bank manager of Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX refused my request to call the legal department and simply ask them to check their fax machine for the fax from XXXX XXXX XXXX North Carolina Department of Revenue . I must mention that XXXX XXXX XXXX continually cut me off, and would not let me speak. She said she would give me the number to Wells Fargo Legal and her supervisor, XXXX XXXX. She then gave me the number to NCDOR legal and hung up. This is a shortened version of the anguish that Wells Fargo has put me through. All I ask is that the follow the directive of XXXX XXXX, agent for the North Carolina Department of Revenue, and return XXXX XXXX 's money to her checking account and allow her to access it.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Legal Team has stated and confirmed as per XXXX  ( Wells Fargo employee with Legal Team ) that accounts XXXX, XXXX, and XXXX were closed in XXXX, however, attached is documentation from Wells Fargo on these accounts being accessed in XXXX - so not closed. In addition, they still have not produced accounts XXXX, XXXX, and XXXX for going on XXXX  months now since initial request and subpoena. In addition, still have not produced any records for Safety Deposit Box closed in XX/XX/XXXX as per the customer visit summary provided, nor how they were closed as lost or they can not find.
Consumer complaint received 2022-06-04
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 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 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 Last Four of SSN # XXXX
Consumer complaint received 2019-11-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I Payed XXXX to XXXX XXXX using my bank of America visa card.the payment was sent to XXXX via XXXX invoice.currently XXXX XXXX is under investigation by the fbi for credit card fraud.this was a group trip with XXXX XXXX XXXX XXXX .owned and operated by Mr. XXXX XXXX.our group booked with XXXX XXXX of XXXX XXXX. This trip was to hedo in XX/XX/XXXX.recently an email was shared by Mr. XXXX letting everyone know this trip was canceled back in XX/XX/XXXX for lack of payment.most of us paid in full.XXXX  does no longer answer text or messages phone number no longer connected.its been posted on social media she has shut her business down.both my bank and XXXX tell me I'm out of luck due to being past the time frame for XXXX.
Consumer complaint received 2022-11-27
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)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Mortgage 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 Last Four of SSN # XXXX
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US Dept Of EducationXXXX XXXX Account # XXXX, has violated the law and my rights under the following, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.