davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (TX)

I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Credit Reporting act XXXX XXXX  Account 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-09-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-03
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. (NY)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SD)

I received an email from Chase Bank congratulating me for opening and account which I didnt, there followed up with a second email informing me of a successful change of address/email. So I immediately contacted Chase Bank with this complaint and they took my personal information to verify. The later confirmed that my personal information was used to open an account. I did not and have never transacted business with Chase Bank. The fraud department lady said she will put a temporary hold on those accounts and sent some paperwork today after 14 days of waiting for me to complete and return with a police report. I just received this paperwork and will be doing so on the coming days. I do not know how much damage this fraud has coursed yet and will really want to know how Chase Bank could permit an account opening without any form of identification or 2 forms of mail to establish address. Chase Bank claim the account was open online but even with that, it should require some identification uploaded online.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accounts XXXXXXXX XXXX  account # XXXX XXXX XXXX  account # XXXX and account # XXXX 15 U.S.C. 1681 SECTION 602A. 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.
Consumer complaint received 2022-09-22
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/22 a charge for {$1300.00} with XXXX was made against my XXXX XXXX XXXX account. When I received my statement on XX/XX/22 I called Synchrony Bank and they informed me they would open a Fraud Claim. I received no other instructions. On XX/XX/22 I received a letter of Approval for the Fraud Claim with a stipulation it was still in review for XXXX  days. XX/XX/22 a letter stating I was responsible for this charge. 
Because the purchase was shipped to my address and that I participated in or benefited from this purchaseXXXX I called the Bank and they opened a new Fraud Claim.

I sent letter to the Bank President twice and received no action. two more Claims were opened and I sitll did not receive credit from Synchrony Bank. 
Police report was filed and in XXXX the Bank sent an affidavit to be completed. 
I just don't no what I'm suppose to do.
Consumer complaint received 2022-09-22
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. (IN)

in accordance with the fair credit reporting act. the list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MD)

I enrolled in a graduate program overseas and needed to open a special bank account in XXXX called a " Blocked Account '' which is mandatory from the XXXX XXXX. 

I made a transfer last year in the amount of around {$12000.00} last year from Chase Bank who I have been a customer with for 6 years. Then when I needed to make another wire transfer this year to fulfill the XXXX XXXX  's requirement for foreigners, Chase, without warning, froze my account. I found out because I checked my mobile banking app and attempted to transfer money to another bank account that I keep overseas while I'm here. No transfer could be made. 

When I called, they told me my account was restricted and I wasn't allowed to withdraw or transfer any money. Then when I asked why, they refused to tell me saying I'll have to wait for a letter in the mail explaining everything, then when I told them they sent it to the wrong address, they said it's too bad and I need to go into a bank to withdraw my funds. But I live in XXXX and there's no branches. Plus I can't purchase a plane ticket back to the states because they're refusing me any withdraw or transfer or purchase with my money. 

Whenever I talk to them, they're incredibly rude to me, they speak poor XXXX, and are incredibly evasive. They refuse to help me, especially one employee named XXXX who kept gaslighting me and trying to convince me that I'm crazy, I don't know what I'm talking about and that I should sue Chase Bank but not him. 

I want my money. I have over {$70000.00} of my own money that I worked hard for and kept with Chase Bank and they are refusing to give me access to my own money, but their own employees like XXXX think I should fly back to the states and pay for a plane ticket back to XXXX somehow when Chase Bank illegally froze my account without my permission or without notice. They refuse to transfer my money to another bank. They refuse to unrestrict it temporarily and let me transfer it out. 

I think from the way XXXX acted with me as well as the other very evasive and suspicious employees in the " Fraud Department '' at JPMorgan might have falted on other customer 's assets and are using my money to fill the empty assets of failed investments from other accounts. It's possible, especially since XXXX was incredibly abusive of me and suggested I wait 1 year ( when I graduate in XXXX ) until I can access my money. This os my only option at this time because Chase is refusing to give me access to my own money. Chase stole my money while XXXX laughs at me and tells me to buy a plane ticket back to XXXX knowing i dont have access to my bank account because they shut off access. 

I need to pay rent. I need to buy food. I might need a medical procedure soon that is partially covered by insurance. Chase Bank is stealing my money while XXXX bullies me and tells me there is no other option and that I should sue Chase Bank.
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I transferred {$400.00} from my bank account into my PayPal account. I then transferred that {$400.00} from my PayPal account to my wife 's PayPal account. But my wife was not able to transfer the {$400.00} from her PayPal account to her bank account because the money was labeled " pending ''. After a number of days the money was still " pending '', so my wife tried texting, emailing, and calling PayPal to straighten the problem out. She could never get in touch with anyone, and all of her texts and emails remained unanswered after a week. 

At this point she exercised a " refund '' option on the {$400.00} which would return the money to my PayPal account. PayPal responded to this action by withdrawing {$400.00} from her bank account, even though the money had never been deposited into her account in the first place. 

The PayPal website is purposefully confusing and obfuscates information needed to understand transactions and validate the accuracy of the transactions. With no customer service options available we can do nothing but wait and hope that after a number of weeks or perhaps months the problem will be resolved.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I called the Equifax fraud department about my report not showing up in XXXX XXXX report platforms and nothing is updated. XXXX of my phone companies attempted to do a soft pull on my credit but they said the report says that there is " no available score '' the I called today, the agent from the fraud  department told me that my name has been blocked on my report, the reason is I have a namesake but different spelling of the last name, this is a discrimination of my name and stereotyping, its because I have the same name and the last name is not even the same mine, they will block my name causing my reporting from my creditors are not being updated and caused my credit score from dormant. This is not the first time that Equifax did this to my name, this is the second time that made an issue with my name and took all XXXX points away from me a few months back. I want them to remove the block XXXX my name and other associated information other than what has been updated in my personal information. everything that was added to the internal record should be removed from the profile so that I will be able to see my updated report and score.
Consumer complaint received 2022-06-08
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. (NJ)

I went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

US SM BUS ADMIN ODA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 three 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-29
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. (PA)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (CA)

Company continues to send threatening collection letters after I disputed the debt in written form which they received and provided written documentation that the hospital and medical center forgave the debt under a charity case. I have attached the documentation for your reviewing including the letter of forgiveness. I have advised the creditor this debt is disputed, contingent, and invalid and they still continue to pursue. Please investigate this collection agency for violation of the fair debtors collection practices act and fine accordingly. In addition to this complaint I have turned the documentation over to a consumer advocate attorney for review and possible suit for collection act violations. 

Thank You XXXX XXXX
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (TX)

Wire transfer on XX/XX/XXXX from CitiBank to XXXX Bank XXXX XXXX and due to account error, modified on XX/XX/XXXX. The recipient did not receive the fund so i contacted XXXX relationship manager ( we were XXXX travelling ) and got an email which was wrong information from Citibank wire dept. that we have until XX/XX/XXXX to modify. on XX/XX/XXXX back to USA and contacted Citibank Wire Dept. and service rep named XXXX told me that the fund already transferred back to Citibank and it will take 7 days to credit back to my account. Wrote an email to the relationship manager who provided the wrong data and said she was temporary helped out while our representative is on vacation. Also told me that she will investigate this case and get back with me. no words from her. patiently waited til XX/XX/XXXX ( as 7 days waiting time from the wire dept ). On XX/XX/XXXX still had no fund deposit back then call Wire Dept again, this time a service rep named XXXX told me that yes the money is sitting in Citibank and will check the status and get back to me. No words from XXXX. Call XXXX ( the temp relationship manager ) and asked her to help. she sent an email to me and said Wire Dept is working on it and needs at least one to two days to deposit the fund back. Asked us to wait til Monday. Today Monday XX/XX/XXXX. Still don't have the fund, called and send email to XXXX asked for status, got an email from her and said needed 2 more days???? I do not understand what is the issue here. All i want is my own money credit back to my account. Is this that hard?? This is a fund of over XXXX and it is sitting in bankCitiBank but it is my money. doesn't seems like i am able to get an answer from anyone as to WHEN can i expect my own money, How can they treat their VIP customer this way. Do not promise something if can not deliver. I need my money back please. Oh, i can not even get a manager to return my call!! Citi, you have a very upset customer here. I need to know when PLEASE!
Consumer complaint received 2022-09-22
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. (TX)

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I received a notice from I.C. Systems Inc. on XXXX claiming I owed an alleged debt in the amount of XXXX I responded to the notice through certified mail with return receipt for my evidence, I never received a response back according to the FDCPA this company had 30 to 45 days to respond which I.C. Systems Inc. failed to do so, I wrote them a second time still no response this is a direct violation to my consumer rights also they were supposed to stop all collection activity and reporting to the credit bureaus until they could verify the debt with a contract bearing my signature and other forms of documents. Which they continued to do without my written consent according to the FCRA 15 us code 1681b that's another violation permissible purpose. I am in my legal rights to counterclaim against I. C. System Inc. for up to XXXX for each violation.
Consumer complaint received 2022-07-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MO)

I starting to receive numerous robocalls about a month ago on our home phone with caller ID showing Navient from an entity claiming to be a XXXX XXXX agency for Navient saying we owe on a student loan. 

They call XXXX or XXXX times a day between XXXX and XXXX pm. 

We have never taken out a student loan and our credit history is clean. 

I have picked up the call several times but only get a recording telling me to call back XXXX. I have NOT called this number. 

How can I get them to stop harassing me? 



Sent from my XXXX