davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/2020 I paid the entire balance on my Chase Visa. After submitting the payment my balance showed {$0.00} balance. I noticed at the end of XX/XX/2020 after my credit score kept dropping that I had a balance of {$6.00} on my card unbeknownst to me. As soon as I found out about the balance it was paid on XX/XX/2020. I have never had ONE late payment ever and for Chase to penalize me to this extent is ridiculous!!!!! My credit score is now XXXX and my balance has been reduced to {$500.00}.
Consumer complaint received 2020-07-18
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: CBC Companies, Inc. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX  please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-01-24
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)

Dear XXXX and Equifax ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a XXXX credit account in " terminated account status '', which I've called both Equifax and other credit reporting agencies along with XXXX that I have no knowledge of this old XXXX account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the Equifax report. However, i spoke with XXXX  and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done! 

I do have an active account with XXXX right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXXXXXX account number XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I have my account connected with lender so I can receive funds if account low. This keeps me from incurring overdraft fees. Pnc bank is not allowing me to connect account ; therefore, I have been charged overdraft fees totaling over {$100.00} which would have not occurred if company was allowed to connect and deposit funds. I also contacted PNC to get account credit for overdraft fees and they could not credit my account back.
Consumer complaint received 2020-07-18
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. (TX)

Equifax is reporting that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX 's account. I contacted XXXX 's and they state it is Equifax that is reporting wrong information. I filed a dispute for XXXX 's through Equifax and attached documentation that validated I have no late payments, but the disputes was completed and results stataed late payments were verified. For XXXX 's I then filed a complaint through Consumer Financial Protection Bureau and it was verified that I have NO late payment and Equifax is reporting the wrong information. Please see below the Company 's ( XXXX 's ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. 

Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX  closed the account on XX/XX/XXXX. XXXX  processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

XXXX CHASE BANK CHARGED ME INTEREST FOR " CASH ADVANCES '' I DO NOT MAKE ANY OF THOSE. I SPOKE TO 2 REPS WHO SAID IT WAS WRONG AND THEY WOULD FIX IT. 
NOTHING HAS BEEN DONE, THAT STILL APPEARS ON MY ACCOUNT AND HAD PUT ME OVER THE LIMIT. 
THIS IS FRAUD AND ILLEGAL
Consumer complaint received 2020-07-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

The response Equifax, XXXX, XXXX  is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXX   XXXX  purchased from the original creditor XXXX on XX/XX/2020 my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

the company that is not responding are : XXXX XXXX XXXX XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XXXX and XX/XX/2021 to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

CItibank has decided to block access to my funds an account so i contact them. when i did they claimed they needed to obtained personal information and that is why they blocked my account. despite providing the information it took them 24 hrs until i was able to access my account. this incident occurred on XXXX XXXX on XX/XX/XXXX they did this again and when i called and spent 3 hrs on the phone they admitted it was a mistake. however account is still blocked for the weekend. i have been a customer for 28 years with high net worth and funding. this case needs to be reviewed and compensation to reimburse me for my time spent. 
mind you as we write this letters account is still blocked
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WI)

I have synchrony card ending XXXX.I had promotional purchase with remaining balance about {$700.00} .On XX/XX/XXXX, I have called customer service and asked if paying remaining balance on XX/XX/XXXX will prevent me from occurring interest. The answer was yes. 
I have paid {$800.00} on XX/XX/XXXX and it was cleared the same day. Nevertheless, Synchrony charged me interest
Consumer complaint received 2021-11-28
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: CITIBANK, N.A. (NY)

On XX/XX/2021 my wife visited XXXX XXXX to have an MRI done. Sine we have a high deductible insurance plan, she was forced to pay for the service up front, in the amount of {$370.00}. The next day I contacted the insurance company, XXXX XXXX and was told that we should have only been charged {$220.00}, not {$370.00}. I then contacted XXXX XXXX at XXXX on XX/XX/2021 and spoke to a person named XXXX. He pulled up the information and verified that we were overcharged by {$150.00}. I asked when they would refund the overcharge and he could not give me an answer. I then logged in to my credit card at Citi Cards to dispute the transaction. I explained what happened and submitted a copy of the explanation of benefits statement which clearly reflects member responsibility of {$220.00}. Within 2 days I received an e-mail notification from Citi that the dispute has been resolved in favor of the merchant. It seems like they did not even look at the document that I submitted. On XX/XX/2021, I sent a formal dispute letter to Citi advising that I am disputing the overcharge amount of {$150.00}. I have not received any acknowledgement from Citi. It seems that they are ignoring their responsibility to investigate and assist me with the disputed amount
Consumer complaint received 2021-11-28
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$5400.00}
Consumer complaint received 2020-07-18
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: I.C. System, Inc. (MI)

I have sent three letters to each credit bureau disputing a new collection on my credit report. I have even included a previous settlement letter and they still continue to report the collection from XX/XX/2020, IC systems. 
This account was settled by the first collection agency who settled the account for less than full balance, credence resource management. 
The original creditor was XXXX XXXX XXXX. 
IC system is the second collections agency. I have tried calling XXXX, XXXX, and IC systems ... their lack of communication has kept this inaccurate information on my credit report. 
I have just disputed a third time on this account through the credit bureau. I have also sent the proper documents of settlement to IC systems showing the account number for XXXX XXXX XXXX  as settled. They clearly can not read account numbers! The bureaus have done the same, they have deliberately overlooked the paper I have sent in with each dispute. 
I also am working with the Michigan attorney general in this matter! 
Is it illegal to collect on a debt twice, once the first collection agency settled on a specified amount? How did IC systems get this info to try to charge me the difference?
Consumer complaint received 2020-07-18
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 (FL)

A Care Credit/Synchrony Bank Card was opened in my name without my permission on XX/XX/XXXX and used a XXXX  XXXX  of XXXX XXXX, FL, totalling $ XXXXSynchrony bank notified me on XX/XX/XXXX due to payments not being made. I requested the account be closed XX/XX/XXXX due to fraud. However, Care Credit/Synchrony continued to take payments from my bank account. An additional call to the Care Credit/Synchrony fraud department was made on on XX/XX/XXXX to close the account, but payments were again being taken out of my bank account without my authorization. I filed 3 fraud reports with Care Credit and each claim was denied, claiming I benefited from the card. However, I never opened the card or used it for XXXX  services.I receive XXXX  services through my employer and therefore would have no reason to open this card.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (CO)

This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (IL)

Dear XXXX XXXX, XXXX & Equifax : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I engaged in a loan with XXXX XXXX, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Consumer complaint received 2020-07-18
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report
Consumer complaint received 2020-07-18
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. (TX)

I applied for credit with XXXX on XX/XX/2020 and was approved at the highest interest rate because Equifax is reporting inaccurate information. They reported that I have serious delinquency and proportion of loan balances to loan amounts too high. I have paid my bills on time and have no serious delinquency ; it's hard to have a XXXX credit score with serious delinquency. I am using 13-15 % of my available credit so I need to understand how my proportion is too high. 

I called Equifax on XX/XX/2020 and was unable le to get an explanation from them regarding the report.