davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Search NY, Inc. (TN)

In 2018 i refinanced my house with XXXX XXXX. I owed XXXX to XXXXXXXX XXXX XXXX for a credit card. XXXX wrote a check to XXXXXXXX XXXX for the total amount due of XXXX payable to XXXXXXXX XXXX. I sent XXXX ; XXXX the check and the debt was declared paid in full by XXXXXXXX XXXX. Apparently XXXX XXXX had hired a collection agency named TrakAmerica for my debt. I have no recollection of dealing with TrakAmerica, but either XXXXXXXX XXXX failed to notify TrakAmerica that they received payment or TrakAmerica failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to XXXXXXXX XXXX for the same XXXX. I have now had to pay XXXXXXXX XXXX twice for the same debt. XXXXXXXX XXXX tells me I will have to contact TrakAmerica. However, my Check is made out to XXXXXXXX XXXX and since I don't owe the XXXX XXXX 's will have deposit the check and reimburse me. XXXXXXXX XXXX or Trak America should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (LA)

To whom it may concern : Im writing regarding inaccurate credit reporting by the following company. 
Mariner Finance formerly known as XXXX XXXX  I am disputing this account to be updated as paid with XXXX balance. This account is currently reporting balance of XXXX delinquent and/or derogatory. Beginning XX/XX/XXXX this account had an active payment plan of XXXX per month which was never reported to credit bureaus. As of XX/XX/XXXX I ask to close account for remains balance of XXXX. I was decline offer ; offered a counter offer of XXXX additional to the XXXX Ive already paid. As of XX/XX/XXXX Ive paid a total of XXXX to this account. Ive paid this account off triple, by the law it required to report accurate credit information. I request accurate information is reported or this account be deleted from my credit profile.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

I want to take PMI off my loan. I owe XXXX and M & T Bank sent me a letter stating my house needs to appraise for {$100000.00} in order to remove PMI. The original loan amount was {$82000.00}.
Consumer complaint received 2020-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Today on XX/XX/XXXX, I sent money to a random person who bought shoes  from me and so he gave me a check a few days ago for a large amount of money ( More than what I expected or asked for ) He said to deposit the check, keep the amount I asked for and then give him the rest of the money that was included in the check. I found out that he did that so that he could take money from me ( XXXX  ). This is 100 % a scam. I talked to my bank and they said it is the oldest scams in the book, where scammers target mostly younger children because they dont know more than adults. XXXX  was taken away from me, and I dont want another XX/XX/XXXXto be taken away as well. I filed a dispute in pay pal about this scam and they arent giving me my money back. Im very upset because I did not know I was being scammed. The recipient also put in tracking info for the shoes that is not even real. I never shipped or even created a label.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. XXXX XXXX  was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then Equifax reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted XXXX. But both companies refused to remove.
Consumer complaint received 2020-07-03
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. (OH)

I have disputed multiple items with Equifax & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like Equifaxed got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (KS)

Citi bank ran my credit without permission or notice and is now closing my Best Buy Elite card. I have never made a late payment on the account and was not given notice nor did I give permission to run my credit again
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

I have an account w/Barclays ( ending in XXXX ) on which I purchased a laptop for my daughter with 0 % financing in 2017. I made payments well above my minimum and asked that the payments be applied to that purchase first and they chose to apply ALL of my payments to subsequent purchases. 

Now three ( 3 ) years later, i get a bill with additional interest of {$770.00} added for this month, which includes interest back to 2017 for the promotional fee that was not paid off, as they applied all payments to subsequent purchases. 

i have never been late on any bills ; i have made payments well above my minimum ; this is unfair consumer relations, and especially during these trying times.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (DE)

credit card issued by Elan financial services a subsidiary of us bancorp was charged in the amount of XXXX unauthorized i by phone told the credit card issuer of the unauthorized charge on XX/XX/2020 they provided credit to my card and sent me paperwoork to fill out to dispute the charges i filled out the paperwork and they later denied receiving it there has been a severe us mail problem beginning and recorded since XX/XX/2020 of which they were aware yet no e-mail sent to them concerning lack of receipt of paperwork they waiting on their denial was after the 60 days since they issued me credit for the unauthorized charges and a debit of XXXX was initiated and recorded i have called on other unauthorized charges in the past four years and they are aware of my timely diligence to resolve all issues. charges were by XXXXXXXX XXXX XXXX. and were twice on one single day for XXXX as well as other charge dates
Consumer complaint received 2020-08-22
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. (NC)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-05-28
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: Credit Technology, Inc. (CA)

XXXX/2018 there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XXXX/2018 new credit inquiry from XXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX/2018 - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Capio Partners is reporting a medical account on my credit reports. I have tried disputing and getting this company to validate this account that I have no knowledge of. I have never allowed Capio Partners to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and the account needs to be removed from my credit reports.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if the need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) *******
Consumer complaint received 2020-08-22
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: EQUIFAX, INC. (FL)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax willingly and freely continue verify accounts involved in FRAUDULENT ACTIVITIES. The accounts should have been removed they continue to use XXXX instead of abiding by the law and retrieving the POLICE reports and doing a REAL 100% complete and accurate investigation. Their XXXX system eliminates a 100% complete and accurate investigation. I REQUESTED THEM NOT TO USE  XXXX considering there is a ACTIVE POLICE investigation and it clears they used it anyways to verify accounts that should have been removed.
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (IL)

Hello, there is an inquiry that is negatively impacting my credit score. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX and its dated XX/XX/20. This was not done by me, and I filed a dispute with this company via Equifax. They came back and said it was valid, but this is far from the truth. I am a victim of identity theft and have not applied for this line of credit. How did they confirm that its valid? What do I need to submit to have this removed? I have attached a picture of my passport for ID purposes, and have attached a screenshot of my most recent utility bill with XXXX for proof of my physical address.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Unexpected increase in interest rate. Interest charge XX/XX/20 {$530.00}, XX/XX/20 {$32.00}, XX/XX/20 {$31.00}. 
Call company to let them know that was not aware of interest increasing.
Consumer complaint received 2020-08-22
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)

The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX   and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account
Consumer complaint received 2020-08-22
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. (MA)

On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Equifax to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments remain on my credit report. I tried to dispute these late payments twice with Equifax providing proof that those late payments should be removed, and that creditor asked you to do so, however, they are still on my credit report. Equifax did not look into this issue carefully and my request was not met. XXXX does not show those late payments on my credit report, however they remain on Equifax report.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

I have existing personal account with the Bank for 20 years and opened a small business account online on XX/XX/2020 by uploading required information including funds transfer from my personal account. On XX/XX/2020 I received a secure message from the Chase Online that I need to upload a business identification document by XX/XX/2020 by responding to their secured message and enclosing the document in that response email. I did respond and enclosed the required document within minutes on XX/XX/2020. On XX/XX/2020, I received a communication via Chase Online system that my account has been blocked and shall be closed soon as I had not provided the requested information. I called the Customer care on the number given in the communication on XX/XX/2020, who advised me to contact another number handled by their Compliance Department. I called the other number and was told to go to a Branch to resolve this as the information sent by me earlier in response to their request on XX/XX/2020 was collected for the documentation purposed only and I should have gone to the Branch to avoid this situation. My complaint pertains to the carelessness and negligence in Bank 's handling of customer concerns and misguidance and unlawful blocking of accounts. The communication from the Bank and my responses are there for review to note that ; ( 1 ) The bank asked to provide information by responding to secured email on XX/XX/2020, which was done on the same day, ( 2 ) The Banks never required me to go to Branch for providing this information as per the request for information on XX/XX/2020, ( 3 ) The customer servicer misguided and refused to help me on XX/XX/2020 by stating that I should have gone to the Branch instead of sending information via secure message on XX/XX/2020 as directed by Bank, ( XXXX ) The Bank had unlawfully blocked my account and is holding my funds in the account.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

On XXXX XXXX, 2020, we wrote by regular mail to Citibank to close a money market account held in trust for our son. We wrote at that address given to us by a Citi representative. The account was inactive and held a balance of approximately {$150.00}. Citi ignored the letter and proceeded to debit the account each month for a {$30.00} servicing fee. We tried calling but were put into call cues where we waited for 40 minutes before our call was dropped. When we finally got through, we were told to write another letter. We wrote a second letter on XX/XX/XXXX by Certified Mail to the former account relations XXXX who had handled our other accounts, asking for his assistance to close the account and avoid further debits. We got no response. Citi is now demanding we cover a negative account balance - {$22.00} caused exclusively by their debiting their {$30.00} per month servicing fee over an inactive account that had a nominal balance, on an account which we twice instructed them in writing to close months ago. 

We want the account closed, the balance restored to the XX/XX/XXXX balance, and that balance remitted to us.
Consumer complaint received 2020-08-22
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: Nelnet, Inc. (CA)

I was 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.
Consumer complaint received 2020-08-22
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: BARCLAYS BANK DELAWARE (SC)

I have a loan with BRCLYSBANKDE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRCLYSBANKDE, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (TX)

ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2020-08-22
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: CITIBANK, N.A. (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.