davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
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. (WA)

I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.
Consumer complaint received 2022-02-18
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. (NY)

On XX/XX/2021 Chase closed my XXXX XXXX Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for XXXX reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a dispute supervisor who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer XXXX XXXX XXXX ( XXXX ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card XXXX XXXX XXXX ( XXXX ) held at the federal reserve XXXX XXXX XXXX ( XXXX ) ( XXXX ), I then informed Chase that they had created an unauthorized transaction XXXX XXXX XXXX ( XXXX ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account XXXX XXXX XXXX ( XXXX ) and has defrauded me.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NY)

I recently found this company, CAPIO, on my credit report, claiming debt collection. I had absolutely no idea what it was about. I have received nothing from this company whatsoever. I called them and they claimed to be trying to collect some mystery medical debt from 2019. When I told them that I hadn't received any documentation about this alleged debt and that I knew my rights and that I needed to receive something written from them so that I could dispute it, they told me it was MY responsibility to write to THEM asking about it and that it would probably " take some time to hear anything back '' because of the " thousands of requests '' they're fielding daily. They are engaging in ILLEGAL practices and in the meantime they refuse to take this alleged debt off of my credit report while I am waiting for documentation from them. This is absolutely insane and goes against the law. I will not be intimidated by a company that is willing to break laws in order to try and scam people.
Consumer complaint received 2021-08-17
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: The Best Service Co.,Inc (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2018-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank .. a fraudulent check was used to open a checking account in my name. The amount of the check was {$2300.00}. It is a fraudulent check used to open a fraudulent checking account in my name A fraudulent checking account has been opened in my name using a fraudulent check. 
The bank involved was notified I was on hold for four hours trying to rectify the situation. This began on XX/XX/2022 I was directed to a fraud department where this account was supposed to be canceled I have received as of XX/XX/XXXX another letter stating that this account is still active. 
I notified XXXX, XXXX, and XXXX and put a freeze on any new accounts. 

I want this checking account closed as I did not open it.
Consumer complaint received 2020-07-28
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. (KY)

THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2018-05-04
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)

I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH EQUIFAX, XXXX, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....
Consumer complaint received 2018-05-04
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 (AL)

Consumer Finacail Protiection Bureau fined Wells Fargo XXXX XXXX dollars for is illeagal practices as a bank.

Six years Wellsfargo continued to charge me maintenance fees saying if I didnot use my debit card at least six times a month I would be charged a fee. I was some times in the negative each month because I would not use my debit card 6 times a month. Wells Fargo has not paid me the money that is owed to me from the Order Consumer Finacial Protection Bureau ordered them to pay all effected by Wells Fargo Illegal practices I received something in the maill about the controbution last year but Wells Fargo hasnot sent me any money for damages.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/2018 I opened an account with CIT bank and deposited XXXX. Since then I have been trying to transfer my money out after it cleared and they told me my account was under review. 30 days late and it is XX/XX/2018 and I am still not able to withdraw my funds from this account. They said it was still under review, are very vague with me about what's going on, never return my calls, and said they have no idea why I can't access my funds after 30 days of it being on hold for a so called review. This is a horrible bank. I just want to transfer my money out of this account and close it but they won't let me. And they told me they would send something in the mail to me. They dont even know what it is they are sending me and can't tell me. I've called 8 times over the course of a month and never received anything. I just want my money!
Consumer complaint received 2018-05-04
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. (MA)

I was sued by XXXX XXXX  XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
Consumer complaint received 2020-07-28
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I was notified by a third party ( XXXX XXXX XXXX whom received a phone call from XXXX XXXX Credit Card by Chase bank, that my credit-card was 6 months past due on payment. 

I immediately called the company and explained that the account was closed in XXXX, XXXX. They said they had no record of that and that they allowed reoccurring payments to proceed. They stated that after no payments from me, XXXX XXXX, that they closed the account and reported it as non payment. 

Never once was I notified that this card was past due, as it was clear that the account was terminated. I was further advised that if I payed the account in full, they waived all the fees, that they would notify the credit bureau of their mistake. This did not happen, once I made the payment, they immediately transferred me and I was advised there is nothing they can do for me. I have never had something like this happen, you can see all my past history. 

Additionally, we NEVER received ONE email, text or correspondence from this company. The agent on the phone advised me that they have no legal requirement to call me or notify me. 

We tried settling the issue professionally with Chase, but they lied and stated that if I paid them, they would fix it. The bottom line, I respectfully request that this false and erroneous non payment be removed from my record ; as Chase did absolutely nothing to help with the situation nor attempt to notify me regarding this matter besides today, XX/XX/XXXX. 

Thank you for your time and consideration. Please feel free to contact me anytime regarding this matter at XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises (TN)

On XX/XX/XXXX I recieved phone call on my work phone XXXX XXXX XXXX from XXXX with vm to contact them. I sent them a cerified letter dated XX/XX/XXXX requesting that they do not call me at work and they recieved XX/XX/XXXX. I have all documents. I called them back at XXXX est XX/XX/XXXX and spoke with XXXX in regards to vm. She was trying to collect money on bill that I have been paying them regulary since XX/XX/XXXX. I asked why she was calling after they had wriiten notice and she stated it wasnt handled properly.
Consumer complaint received 2024-03-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/XXXX, XXXX XXXX XXXX placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add California Check Cashing. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought California Check Cashing was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?
Consumer complaint received 2022-02-18
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. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the HIPAA Act of 1996 which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from XXXX XXXX and paid it. I never received anything from XXXX XXXX except that my vehicle was returned and my balance was zero and the account was closed. I just got an alert from Experian that my credit rating has gone down 45 points because XXXX XXXX is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All XXXX XXXX has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!
Consumer complaint received 2019-08-30
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. (MI)

Listed below is a loan I didnt apply or agree thats been on my report for 6 years XXXX XXXX XXXX  Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I received a notification ( attached " CCS Letter.pdf '' ) from a company purporting to be from Credit Collection Services, dated XX/XX/2022, although I received it after that date. The notification claims that we owe {$130.00} to XXXX XXXX XXXX related to our daughter. But we have never received an invoice from XXXX XXXX related to services provided to our daughter on that date. Charges from XXXX XXXX for her go through our insurance ; we do not pay them out of pocket. The attached XXXX ( " claims.csv '' ) shows that our insurance never received a claim from XXXX around the dates indicated in the notification -- although they did get one later, which insurance paid in full. It thus just doesn't make sense that we would have to pay XXXX anything directly. 

The notification further gives no information that would allow us to investigate the amount. It lists an " account number '' but there is no way to verify charges with XXXX using that information. XXXX requires a " lab code '' and a " bill number. '' The notification does not provide that information. 

Moreover, the entity that claims that it is seeking to collect a debt from us is not the one on the license number provided. " Credit Collection Services '' claims to operate in New York under XXXX license number XXXX. But the entity that holds that license is not Credit Collection Services, but rather " Credit Control Services , Inc. '' There is no " d/b/a '' information that indicates that entity operates in New York state under any other names. The XXXX licensing information is attached as " CCS XXXX. ''
Consumer complaint received 2018-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account opened with XXXX XXXX in XX/XX/2018. Trans Union and XXXX DO NOT show ANY account history of this account.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MD)

ISSUE - DEPOSIT MISSING. 
AMOUNT- {$5000.00}. 
DEPOSIT DATE- XX/XX/XXXX XXXX DEPOSIT REVERSE -XXXX XXXX. 
ACTION TAKEN - 6 TIMES RESEARCH DONE BY THE BANK WITH RESULT. 

WENT TO THE BANK IN PERSON AND EXPLAIN EVERYTHING, THEY ACCEPTED THE MISTAK AND DID THE RESERACH AGAIN BUT SAME RESULT NO ANSWER. 
THEY SENT MY BANK STATMENT WITH NO ANSWER.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't  appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Consumer complaint received 2018-05-04
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. (CA)

XXXX has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. XXXX as also removed this account 3 times without notification of it being reported back. XXXX also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} onXX/XX/XXXX. The vehicle was in the impound which is where XXXX got the vehicle from. It was never repossed for non payment.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (TN)

I XXXX XXXX sent a letter to XXXX asking for Validation of the alleged debt they are accusing me of owing along with a completed audit trail and they have refused to provide me of the documents. However they are reporting this alleged debt to the consumer reporting agencies tarnishing my reputation.
Consumer complaint received 2020-09-11
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)

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus