davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (GA)

In accordance with the Fair credit and reporting act the following creditors ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 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.

You can find the following attached photos of the accounts i would like to be removed for not Honoring my CONSUMER RIGHTS.
Consumer complaint received 2022-11-20
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. (LA)

XXXX, XXXX, XXXX has too many department of Nelnet that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (CO)

Froze account and wont let me withdraw. Lied to consumers saying theyd operate normally. Also didnt disclose their malpractice with using fraud funds from XXXX. No updates in the system and keeping all my money in my crypto wallet.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MD)

On or about  XX/XX/XXXX , I received mail from the gas company BP. It looked like replacement credit cards for me and my wife. I have had a BP gasoline card for about 30 years along with cards from a few other gas companies. This card looked a little different in color and I was puzzled by the Visa logo on the from of the card. I looked at my existing BP card and it does not expire until  XX/XX/XXXX  which was more puzzling as to why they sent a card a year in advance. After looking over the material in the envelope I relealized they sent me a general Visa credit card which I did not ask for.
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I called the number on the sticker on the card ( page 1 in the attachment ) and got to an operator who was trying to get me to give her personal information like SSN and phone numbers and I stopped talked to her. I hung up. I pulled one of the cards off of the letter and underneath was a different phone number cleverly hidden under the card ( page 2 in the attachment ). I again got a person trying to get personal information from me. I insisted on speaking to a supervisor and was transferred to a gentleman several minutes later. Upon pressing him about what I received and why. He told me that BP sent out a credit card offer with a OPT-OUT provision. This was incredible. I told him I get a ton of credit card offers in the mail and routinely shred them to protect my credit and never heard of this. I explained how upset I was at this deception and got very little support from him. I told him this was fraud and the credit card could have gotten into the wrong hands and since I was not expecting this it could have created a big problem.
Consumer complaint received 2022-11-19
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. (NV)

please oremove this innacurate date, this was a billing discrepancy. The bill was always paid 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2022-11-19
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. (PA)

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NM)

I did not open XXXX XXXX XXXX  account, nor authorize my father to also open XXXX XXXX XXXX XXXX ( by using my Social Security Card ) and to a house that he also put under my name without even asking me. Restore my credit score back to the previous score, it was at XXXX, now its at XXXX. Collectors are : MRS BPO - XXXX XXXX XXXX XXXX XXXX, NJ  XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.
Consumer complaint received 2022-11-19
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc (MD)

I transferred XXXX GUSD and XXXX XXXX into my Blockfi wallet so to transfer into my XXXX account on XX/XX/2022 at XXXX. I got confirmation that it went into my Blockfi wallet. I got two emails from Blockfi requesting to complete identity verification using my ID ( this case I used my drivers license as my ID ) to complete the transfer into my XXXX XXXX account. I got confirmation on both regarding the id verification. 
Both transactions were still showing as pending as of XX/XX/XXXX. Today XX/XX/2022 I received an email from Blockfi that my XXXX transaction request is cancelled. Both currencies are still in the Blockfi wallet. I wish to transfer my funds out of Blockfi to XXXX.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (IN)

I have requested to withdraw {$180000.00} of my wallet funds out of my account with BlockFI on XX/XX/2022. I have received an email that my transaction is in progress/pending, it states that it takes 2-3 business days for the transaction to process, currently my transaction is still pending to this day as other users have received their funds per social media posts. On XX/XX/2022 i received an email from BlockFi stating that they are pausing withdraws and no actions have been taken since.
Consumer complaint received 2015-10-20
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CO)

A resolution was agreed upon by both parties which I have in writing. The XXXX XXXX of XXXX XXXX XXXX, wrote an agreement that all interest would stop unless I default. I have not missed a payment, and have proof. Yet, this company has continued to include interest, and I almost owe more than when we settled in court. I am a widow of one year and this XXXX $ a month has been a hardship, and to now find out all my monies went into their pocket. Thank you. XXXX
Consumer complaint received 2022-11-20
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-20
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: Grain Technology, Inc. (NV)

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE XXXX AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Grain Technology, In Grain Technology, In ( XXXX  ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 % PAID THEM XXXX DOLLARS TO REMOVE AND NO UPDATES
Consumer complaint received 2017-05-17
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. (WV)

I received notification on my alerts through Equifax that a new credit collection account is appearing on my account at Equifax,  XXXX  and  XXXX  on   XXXX   XXXX   XXXX     with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates   XXXX   XXXX   XXXX     which is in the future. Second, I do not have gas service at my present location and have been at my present location of   XXXX   XXXX   XXXX   for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on   XXXX   XXXX   XXXX     and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Between XXXX XXXX XXXX, XXXX, XXXX XXXX impacted Florida. I called my credit company " XXXX '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called XXXX once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (TX)

On XX/XX/2019 made a purchase through XXXX days later received an email that a portion of the order would be delayed. I then canceled the entire order and was refunded {$29.00} by XXXX but the card.com company placed a 30 day hold on the remaining balance of {$190.00} and change. On XX/XX/2019 I reached out to card.com and also contacted XXXX the rep from XXXX provided the card.com rep with all info even authorization code for release of funds {$190.00} to only have card.com rep tell me that it didnt matter because XXXX would come back and take funds even though I canceled order. I am in no position to have my money held up.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (MI)

We pulled ahead the lease and got a new lease. When I called Ford Motor Credit to see how it will work since we were paid ahead when we pulled ahead the lease I was told by the representative on the phone that Ford Motor Credit waives the last 3 months of the lease term and then should check with the dealership to see what they did with the remaining amount owed. This call happened on XX/XX/XXXX starting at XXXX and originated from phone number XXXX. 

I then checked the lease documents and saw first that they rolled the full amount owed into our new lease and the amount they rolled over was more than was owed according to Ford Credit. 

I spoke with XXXX the finance director at XXXX XXXX and XXXX, the dealership, on XX/XX/XXXX and was told they know nothing about waiving the last three months. They did admit they owed us {$140.00} which is the amount over the amount owed that they rolled into the new lease. They claim that " incentives '' covered the amount rolled over but could not pin point which " incentive '' did that. When I pushed that Ford Credit said they were waiving not giving an incentive XXXX claims to have called Ford Credit but his account of my conversation was not in any way accurate to the actual call.
Consumer complaint received 2022-11-19
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. (AL)

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 Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= XXXX ============================================= XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO. (IL)

I'm a victim and have dealt with extreme identity theft for years. During this time, I've had my credit frozen and unfrozen and also flagged for ID theft- it's been difficult for me to get loans. I've reported to the police on numerous occasions for mail fraud and this is the first step, getting my credit reports. 

Currently, I'm dealing with ID theft still and trying to get an accurate picture but the freeannualreport.org will only allow me to see XXXX. I have tried through the mail to get reports in the past year and have been unsuccessful. There are inaccuracies on XXXX that do not add up on my Chase Bank and I would like to freeze my reports, however, I need to see the reports first. 

Right now, I need assistance before I can get an attorney and this is the first step. Please HELP!
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (CA)

BlockFi digital Wallet. Since XX/XX/11 I am unable to withdraw or access my digital wallet to obtain my funds. I have XXXX XXXX  and a portion of XXXX worth about {$900.00} with overall total worth about {$5500.00} in my BlockFi account.
Consumer complaint received 2022-11-19
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I was notified by Wells Fargo E-Mail of " unauthorized transactions '' on my online account. I contacted Wells Fargo and was transferred to their Fraud Department about the transactions and was told, one was a Bank Wire Transfer in the amount of {$14000.00} and another to XXXX for {$1000.00} that were ATTEMPTED. Wells Fargo fraud representative " XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new account because of the " XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as " Pending '' on the NEW account. On XX/XX/2022 the " pending '' was now shown as completed. I again contacted Wells Fargo Fraud Department about the now transferred {$1000.00} from my account and was told by " XXXX  '' and XXXX '' that the transfer was in fact NOT STOPPED as it was suppose to be and I would need to wait until an investigation was completed to determine IF the unauthorized transaction would be refunded.