davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Doyle & Hoefs, LLC (NC)

XXXX XXXX XXXXXXXX XXXX and Doyle & Hoefs , LLC, without notice, filed a lawsuit against me in a state where I do not live.
Consumer complaint received 2022-09-02
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)

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

Attempting to close a checking account with Citibank. Owed {$15.00} which Citibank will not allow me to pay off using a credit card or external bank account. Whenever I try to link an external bank to ball off the balance, the website logs me out for inactivity ( I was actively clicking around the site ) or tells me repeatedly that there is an online error and logs me out. Forced to call customer support. When I use the automated service and say I want to pay bill and close account, it tells me there is an error and hangs up. Call back, go through it all again to get an operator, tell him I want to close account, put on hold and then phone hangs up.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I have unauthorized transactions on my Chase business account. Chase never investigated the claims and closed the dispute in less than 3 days. Chase refused to provide documents on what they used to determine those charges were valid. I was told they dont have any because none were used. Under federal law an account review isnt an investigation. They were supposed to submit documents to the business and request evidence that can be used to investigate the claim. My card was stolen. I was out of the country when these transactions took place. No way I couldve been in two places at once. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Lemonade XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. XXXX has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I want a copy of my criminal background report from Equifax and XXXX. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Venmo is holding {$640.00} of my money, I reached out to customer support regarding the account being frozen. They requested a photo of my drivers license with other steps to unfreeze account. The online process was completed, I took a screenshot of it saying account was successfully unfrozen however I still couldnt use my funds or transfer them. This was the second time in less than two weeks I had this issue. Then I reached out to support again, they wanted another proof of identification and a picture of me holding the identification (? Why ) so I sent that and also changed my password as requested. This morning the customer support said they had to forward it to yet another department and that they will respond in 7 business days regarding my account. They have been holding my money for nearly a week and being unable to transfer it or use it has made me delinquent on other bills I have. Venmo also let me open a debit card with them yet they are withholding my money for unknown reasons.
Consumer complaint received 2022-09-02
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. (PA)

I am writing because I am a victim of Identity Theft and Equifax has neglected to remove the fraudulent XXXX XXXX account from my report. I have been trying to have this removed for a long time. I have mailed, faxed and attached the Federal Trade Commission report as requested. I have sent it in multiple times. Please remove this XXXX XXXX account from my report. Thank You. Best Wishes
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (VA)

On XX/XX/2018 I filed a dispute with mainly Experian and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as XXXX XXXX, then XXXX XXXX was changed to XXXX. XXXX can not prove that I owe this money and I never took out a student loan with XXXX. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly Experian be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

My mortgage was transferred to XXXX on XX/XX/2022. 
On XX/XX/2022 I received a welcome letter from XXXX advising me to start my mortgage payment to them. 
Since XXXX didn't provide an online access to my account to make a payment I use my account at XXXX XXXX XXXX XXXX  to pay it. 
XXXX returned my payment on XX/XX/XXXX, stating that account was incorrect, which I believe wasn't true, as I use my account info from the welcome letter. 
Attached proof of payment from XX/XX/2022. 
XXXX held my funds for 8 days without applying these funds to my account, causing financial loss. 
XXXX refused to amicably resolve this payment issue.
Consumer complaint received 2021-12-09
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. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (MI)

I filed a dispute against XXXX XXXX on XX/XX/2019. This was my 2nd filing of the same problem XXXX has alleged that I was late with a payment of {$52.00} for XX/XX/2019. I was not late with this payment and i have spoken with this company and they are refusing to corect their mistake. My bank paid them on XX/XX/2019. My payment is dueon the XXXX of each month. I won't tis corrected because it is having an affect on my score. Please hlp me.
Consumer complaint received 2017-07-03
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: JPMORGAN CHASE & CO. (NY)

Re : Chase account XXXX To Whom It May Concern : I would like to dispute the validity of chase account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Consumer complaint received 2021-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: STERLING BANCORP (GA)

While trying to Call XXXX XXXXXXXX XXXX XXXX one afternoon during the last week of XXXX, I concurrently received a call from intake specialists XXXX ( XXXX ) then XXXX ( XXXX ) of Sterling National Bank. I submitted an application online for personal loan to take care of medical Bills that had gotten out of control, amongst other things. They initially offered me a 5 year term loan for XXXXusd at 3.4 % interest. The payments were to be {$90.00}. 

They assured me that the loan would definitely go through and not to worry bc I was pre approved. I was then escalated to a Senior loan officer named XXXX XXXX XXXX XXXX ) / ( XXXX ) whom also promised to put the loan Into my account with XXXX XXXX located in CA. For some reason or another, due to a suppressed Credit Score, the Loan had to be escalated to another officer in the Accounting Dept named XXXX XXXX ( XXXX ) ext XXXX Who promised to fulfill the loan as promised. 
Sterling National Bank main- ( XXXX ) Unfortunately, there was no follow through and I never did see any loan credit to my account at XXXXXXXX XXXX in CA. 

The company activated an PPI in house insurance that was XXXX $ then charged an upfront fee of {$370.00}, then an ACH Fee of {$470.00}. 

For whatever reason, the Merchant that sits above the XXXXXXXX XXXX  in CA was blocking the funds from being deposited, so I was left with no other option than to call the bank and attempt to put SNB on the phone, however SNB refused to speak with XXXX so that we may better understand why the loan proceeds would not deposit. 

They then wanted to charge an additional {$400.00} to process a XXXX XXXX, however, I refused to comply bc I felt that the funds should be sent and then paid for.

I have made several inquiries with SNB and no one, Not XXXX XXXX, not XXXX XXXX has returned my call. I've sent several text messages as well to no avail. 

The Senior loan officer said the loan was preapproved and there would be no issue. 
It seemed that these calls kept coming my way while I was on pursuit with XXXX XXXX. 
There was never a loan issued despite the preapproval.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CT)

J P Chase Morgan has continually added and subtracted a balance of {$1000.00} to my Mothers ( who passed away XX/XX/XXXX ) checking account for almost a year, resulting in my inability to close the account. Chase has stated they are recouping a Social Security payment. However, the Social Security payment was already recouped, and this is evident in the banking statement. The bank has acknowledged that the amount is not owed, as they have repeatedly removed the amount from the account. Only to attaches the amount back on the account. I have communicated repeatedly with the bank, and have been transferred from department to department with each represtative passing me off to another with no explaination. 
In addition to the above, today XX/XX/XXXX, Chase has attached an additional new fee of {$1000.00}, for a total negative balance of {$2100.00}. I went into a local bank, inquired about the status of the account with the new transaction, and after making several telephone calls the branch manager was unable to obtain any information as to why the new transaction was add to my Mothers account. I have banked with Chase for several years, and have many accounts ( a auto loan, credit card, checking & savings, my childs high school account ), all of which I have never missed a payment or had a late payment on. I really enjoyed managing my finances with this institution. To say that I am disappointed is an understatement.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have had many problems with Wells Fargo and they recently sent me a check as liquidated damages for opening fake accounts in my name. More importantly though from XXXX through XXXX I have been charges bogus " account analysis '' fees on several accounts ( including dormant account ) for which absolutely no services were rendered. I had never agree ( at least knowingly ) to pay these fees and still don't understand what exactly they are meant to be for. It is for sure another Wells Fargo scam. As they were small monthly amounts that always varied, I did not notice them. When I finally managed to talk to somebody - they suggested that they reverse a couple of month. I asked WF for complete accounting and much to my horror was told that I had been charged a total of {$9100.00} in fees - so with interset this is way over {$10000.00}. I assume they have done this with millions of clients so they defrauded their customers potentially for billions of $ 's I have all the back up. 

Here is the email I received from them. It's outrageous. First they opoen ficticious accounts in my name and now this! 

Hello XXXX, As promised, I have the total fees for all accounts. Please let us know if you have any questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$310.00} XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX - {$390.00} XXXX - {$710.00} XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX - {$240.00} XXXX - {$250.00} ( {$90.00} was previously waived ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$190.00} XXXX - {$430.00} XXXX - {$690.00} XXXX - {$1000.00} XXXX - {$950.00} XXXX XXXX, XXXX XXXX XXXX - {$550.00} XXXX - {$390.00} Total - {$9100.00} Kindest regards, XXXX XXXX XXXX Banking Relationship Specialist ( LO ) Regional Business Relationship Management
Consumer complaint received 2019-01-23
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: Colony Brands, Inc. (NY)

I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX.

They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX  WI XXXX
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 
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 XXXXXX/XX/XXXX, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states 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 innaccurate.
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt collector contacted me at my job, I asked them not to call me, they went through the entire company directory however my work phone number is for work-related business matters only and I can not accept personal calls. The company is portfolio recovery and they keep harassing me calling from various numbers.
Consumer complaint received 2019-02-04
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: Experian Information Solutions Inc. (MD)

My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report Experian stated to me that they have never received my information when it was received by mail and tracked that experian received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections
Consumer complaint received 2018-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.