davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (KY)

I already reported account information is incorrect. The highest balance is incorrect, the negatives months is incorrect, account type, and terms. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-06
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-19
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. (KY)

Already reported inaccurate information in XX/XX/2022 to each credit bureau. Account type is incorrect and late payments are incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Close my checking account without any information why and the opportunity to correct the problem. 
Call center, branch costumer service, and any other personnel that I got in touch with in the phone say the reason why my account was closed is confidential and the company have the right not to disclosed this information with me. 

I have a Bankruptcy file two years ago and after almost the same amount of time they close my account and the letter they send me is informing me different things that my account was closed because a previous closed account with the bank. Either they lying or they don't even know why they close my account.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (NC)

On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to Equifax and XXXX to have the inquiries removed. It has been nearly XXXX months and they are still on my report. Equifax and XXXX both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with Equifax today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Having trouble making payments on home. We have Home is under contract and kindly asked mortgage company to postpone the sale date. Loss of employment and covid have contributed to trouble making payments. We are selling the home and asking mortgage company to put sale on hold. We never received any 30 day notice of foreclosure sale from Wells Fargo.
Consumer complaint received 2022-11-28
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 without my written instructions 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. 
Chapters VIEW ALL
Consumer complaint received 2022-09-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Southwest Stage Funding (LA)

Southwest Stage Funding LLC has not and refuse to send me documents of the on and off ledger for the account. I have requested numerous times per IRS Publication 583 and 12 CFR 1026.17. They have gotten a law firm involved XXXX XXXX XXXX XXXX to collect the debt which is illegal per the Constitutional Law 15 USC 1692 ( e ) which states a lawyer can not get involved in any debt collections. They have not presented me with the original promissory note or ledger on file stating that the all cap name owe them anything. A Confessed Judgement is illegal when it comes to a mortgage. Only the all caps signature is on the contract in which makes the contract an incomplete enforceable document. Southwest Stage Funding LLC is a debt collector in which clearly says we do not owe them. They will not produce the XXXX because the loan is securitized per MERS in which they no longer have it because it was sold to different shareholders. They placed my home for foreclosure knowing they are debt collectors and that it is illegal to not give me documents to support their claim. We have filed a Form W4 with the IRS to audit the account because they refuse to give us documentation. I'm in the process of suing for filing false documentation in the courthouse. I also been sent them an Estoppel by Deed to stop all transactions from my account as well as a Form 56 to revoke all rights as Trustee on my account. They committed fraud because under fiduciary obligation as the Trustee, they suppose to do what's right in which I sent a negotiable instrument for full payment and they received it and did not return it. Therefore, waiting on the IRS to audit the account so that they can pay for their wrong doings.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I have had a Venmo account since XXXX. I tried to make a payment from Venmo with my connected XXXX bank account in XX/XX/XXXX and received a message that there were insufficient funds in my account ( balance of XXXX account was > {$60000.00} for a {$40.00} Venmo payment ). I was unable to make any payments. After a payment was sent to me on XX/XX/XXXX for {$170.00}, I was able to make a few payments using this balance. After XX/XX/XXXX, I received the below message from Venmo freezing my account and preventing me from making any payments : " Account on hold Could not complete this transaction because your account is frozen. Please see the following help article for instructions on how to unfreeze your account : https : XXXX ''. 

I have read the article ( unhelpful and irrelevant ). I have tried to transfer the Venmo balance of {$35.00} to my linked bank account without results. I have tried contacting Venmo through their application several times and receive canned, unresponsive replies that have not resolved the issue. 

I would like to obtain my final balance and close this account forever. Digital wallets and payment platforms like Venmo should be subject to the same regulation and scrutiny as traditional financial institutions. Without this oversight, they are able to freely defraud customers and keep unearned funds. Paypal is using their subsidiary, Venmo to avoid being regulated. 
Thanks
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MI)

I made a payment settlement to my charged off credit card account. I would like this updated on my credit repot ASAP as I am trying to open a bank account and buy a car in a timely manner. Your timely response is very much appreciated.
Consumer complaint received 2022-11-25
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I opened a case previously. The case number was XXXX. I was informed that the outstanding balance was closed. I am now getting billed again. I can't log in to Citi. I don't have the credit card anymore. 

I received this 5 hours ago ..... 

Your payment is past due Please make a payment. 


Hi, XXXX. Your payment is past due on your Citi / AAdvantage Card account. By making your minimum payment within this billing period, you can avoid any unnecessary late fees. 

You can make a payment immediately on the CitiXXXX XXXXXXXX, at Citi Online or by calling us at XXXX ( TTY : XXXX for hearing and speech impaired only ).
Consumer complaint received 2022-09-19
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. (MO)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

I made a payment who turned out to be a scammer through XXXX. Chase bank is usually great about money recovery but they said they couldnt help me. I contacted XXXX and they said it was up to my back.
Consumer complaint received 2022-09-19
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: DISCOVER BANK (GA)

I ordered an XXXX XXXX XXXX from XXXX on XX/XX/2022. XXXX showed that the package was delivered on XX/XX/2022 but I never received the package. After waiting for a couple more days, I first contacted XXXX  XXXX  which did not help at all so I opened a dispute on my Discover credit card on XXXX XXXX. On XX/XX/XXXX, Discover resolved the the dispute in favor of XXXX based on the fact that XXXX showed the item as delivered. I simultaneously filed a claim with XXXX  based on advice I got from discover customer support. XXXX could not locate the package and marked it as lost. Discover is still refusing to reconsider the dispute regardless of the fact that I never received my item.
Consumer complaint received 2022-09-19
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: SYNCHRONY FINANCIAL (CO)

XXXX XXXX, XXXX : Purchased a set of patio furniture from Walmart.com for the total amount of XXXX. I waited several several weeks for delivery. When furniture was delivered, it was damaged, box was open, back support piece was bent and all of the screws and one cushion were missing. I called Walmart twice to schedule a return, as this was too large for me to be able to return myself ( I do not own a vehicle large enough to fit it ). Twice Walmart scheduled a return and no one ever came to pick it up. At this point, I opened a dispute with my credit card for the transaction. 
XXXX XXXX, XXXX an adjustment was made to my account in the amount of {$980.00} while the credit card company investigated. I submitted the dispute form, I believe via mail and fax. 
*XXXX  XXXX, XXXX I received my credit card statement and there were two " miscellaneous adjustment '' transactions listed on my account for {$980.00} each. They both had the same reference number. I called the credit card company and inquired about the transactions. The rep on the phone told me she thought it had to be a system " glitch '' and she would dispute. At this point in time, I also opened a billing inquiry. The transactions were removed from my account and I consequently filled out another dispute form and sent it to the company dated XX/XX/XXXX. 
*I received no communication, no request for additional information, etc until I received my XX/XX/XXXX statement and the charges reappeared. 
XXXX XXXX, XXXX I called the credit card company yet again. I discussed the situation and spent about an hour on the phone with someone trying to resolve the situation. The rep again opened a dispute and I was told I'd be contacted if they needed additional information. I received no communication until XX/XX/XXXX when I received an email notification I had a new message on my account. Again, the credit card company is requesting me to fill out a dispute form. Then on XX/XX/XXXX I receive my credit card statement with the charges back on the account, accruing interest. As of now, the account is showing a total balance of {$2100.00} which would be the two original amounts of {$980.00} plus interest as I closed the account months ago and I had a XXXX balance prior to these two transactions. 
*I have reached no resolution with the credit card company and believe the company is not acting in good faith with resolution. Not only was the original dispute not resolved, the company has erroneously charged my account for the amount, thus doubling my debt. There is no way I can be expected to pay {$980.00} in an unsubstantiated transaction, even if the original dispute in the amount of {$980.00} would be found to be valid.
Consumer complaint received 2022-11-25
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: BARCLAYS BANK DELAWARE (CO)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-19
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. (FL)

i reviewed my tri merge credit report dated XX/XX/2022. After review I noticed three accounts that any and all fields that had a date did not match what the other agencies had in their records. These accounts are XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX number XXXX and XXXX XXXX XXXX account number XXXX All three accounts have very different dates in all date fields across all bureaus. 
I sent certified letters to the three bureaus asking them to go back to the respective creditors to get the correct information updated. to investigate what were the correct dates as the should all have the same start and end dates for example. 
Its " well over the 30 days now for all letters received. As of the XX/XX/XXXX credit report there has been no change to these accounts that i can see all fields that require a date have different dates from the other bureaus. 
Please look into this situation as soon as possible. It is my belief that these accounts should have the same information. 

Please advise
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2022 did wire transfer to XXXX XXXX from My checking account us {$40000.00} and found that it was a scam. I asked branch office where I wired to recall this amount and report it was a scam.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (AR)

I am consistently being sent emails about being pre-approved for credit cards and personal loans. Not a single one has gone through successfully and there has been a huge hit on my credit score which is not mentioned before proceeding with seeing if I can be approved. Then I'm harassed by these third party companies to continue applying for loans and credit cards I'm never going to be approved for. Credit Karma should be ashamed. They are supposed to be helping me improve my scores and providing assistance I am actually pre-approved for.