davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I purchased a sound system for my vehicle ( XXXX XXXX XXXX ) on XX/XX/XXXX, with a company named Brandsource and it was a charge of {$1900.00}. I never received a credit card so I couldnt check my account and i wasnt received paper balances for some months. I called them multiple times and asked for them to ship me a new card because you cant access your online account unless you have a credit card available. After multiple attempts I gave up and assumed that I was almost done paying it off ( my monthly payment was $ XXXX/month and I paid $ XXXX/month ). I get a statement in XX/XX/XXXX and when I checked the balance it said that it was at {$1700.00} dollars left on that balance and that they charged me {$1000.00} interest in 1 month. I was furious so I called my legal service and had them send Brandsource a letter. This took place on XX/XX/XXXX. That is when they sent the letter out and I have yet to receive anything back from Brandsource and Neither has my Legal provider.
Consumer complaint received 2020-08-17
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$620.00} XXXX   XXXX {$3000.00} XXXX XXXX XXXX   XXXX {$4000.00}
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2020-08-17
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: JPMORGAN CHASE & CO. (VA)

Due to COVID-19 an airline flight for which I had paid a ticket was cancelled due to the airport shutting down. I was told I needed to purchase a second ticket for an earlier flight ( the last one out of the country before the airport shut down operations ). I was assured by the travel agent, XXXX, that the cost of the first ticket would be applied toward the second. Despite the fact that I was told that there would be no penalty due to the pandemic, I was still charged a cancellation fee and the entire cost of the both tickets. When my Amazon Chase VISA credit card bill arrived, and I discovered that I was charged for the cancelled flight, the penalty fee AND the second airline ticket, I contested the fraudulent charges for the cancelled flight &  penalty fee, but Chase Visa upheld the fraudulent charges from XXXX. I contested Chase Visas response and appealed their decision. Nevertheless Chase Visa sided with the vendor who defrauded me. I spent days documenting my case and writing my appeals. I have never missed a single credit card payment and charge over {$25000.00} a year on this card, yet Amazon Chase Visa refused to protect me from fraudulent charges as their advertising claims.
Consumer complaint received 2021-07-14
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. (LA)

I am disputing the following account knowing as XXXX  credit/XXXX  To be fraud and totally inaccurate and therefore should not be on my report This account was open on XXXXXXXX XXXX in the amount of XXXX
Consumer complaint received 2020-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I am a small business in the automotive repair industry. A customer inquired about services and asked if I accepted XXXX. As I was not sure, I logged into my business account and notice that my business account indicated in bold letter " Send Money with XXXX. Send and receive money securely - all you need is an email address or mobile number ''. Relying on this I provided the customer the mobile number and provided the services requested. The customer sent the money of which I received confirmation. I then tried to access the money on Saturday but did not see it in my account. I figured I wait until XXXX  the next business day. 

I called today and was transferred to the online banking department and was told that I would not be able to receive the funds because it was a business account and I needed to provide the account number to the customer to send the money. This is not possible as we do not collect the customer personal information, once we do the services we have no need for the customers information. 

I feel that I have been deceived by WellsFargo and their website/platform as there is no indication that I can not receive money to a business account or that the service depends on the customers bank. I relied on the notification on my business account that all I needed to provide the customer was an email or mobile number in order to receive the money. 

As of now they are indicating that there is nothing I can do. So I am out {$300.00} for the services that I provided. Not only I'm I not getting the {$300.00} for the services, I had to upfront $ XXXX in parts to be able to the the services, as the parts were installed in the customers vehicle. I have spoken to an online banker, then spoken to XXXX, a XXXX in the business department. I have also spoken to XXXX at the customer advocate group to place a complaint about this deceptive business practice, as it leads small business owners/bank customer that they can in fact receive money through XXXX without giving out the account number to every customer. 

I just want to be able to collect for the services that I provided and for which the customer has initiated payment and I have received confirmation that payment was sent.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

In XX/XX/2017, I was living in a student apartment complex, XXXX XXXX. In XXXX and XXXX, of XXXX, management was aware that maintenance was in my apartment three times without giving my roommates and I notice. It was in our contract, that every time maintenance was to be in our apartment, we would be notified. No one was home during these maintenance appointments. However, during one of the three visits, {$1500.00} was stolen out of my room. It also was never replaced. I thought about police report, threatened to sue management, and spoke to the property manager three times. During the last conversation, the property Manager let me know that my roommates and I, due to the inconvenience, would not have to pay the cleaning fee after we move out. Six months to a year after XX/XX/2017, I got a notification that I was being sent to collections for a cleaning fee that I never paid. The cleaning fee that has been sent to IQ Data International Inc., is a fraud account on my credit.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Consumer complaint received 2018-11-29
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. (LA)

Back in XXXX I receive a statement from citi bank about my secured credit card. In the statement the detail stated that my account would be close for late payments. on XX/XX/XXXX I made a payment of XXXX dollar on XX/XX/XXXX the company applied my XXXX dollar security deposit to my account with made me owing only XXXX to my account. On XXXX XXXX I paid the XXXX at that time my account was at XXXX and had already been close prior to me making that payment. I no this because i called the company the same day that i made the payment to ask if i could start back using the card. I was told by representative that my account was close and at a XXXX balance and that with a secured credit card if the account go over for late payments that they would apply what ever security deposit that was put down and that they would close the account. This all happen on the XX/XX/XXXX. then on the XX/XX/XXXX. The company charged me interest and late fees on an account the was closes prior to the XX/XX/XXXX. and they are still adding late fees to this closes account. I have call them and all am getting is that i own a fee. i am not understanding have a company can change you a late fee after you paid the payment that was due and after the account was at a XXXX balance and close by them.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

I did not receive the XXXX XXXX protection promised from Equifax. In XX/XX/XXXX, my husband and I found out were impacted by the Equifax cyber security incident, through the site Equifax provided. Both of us applied for the free XXXX XXXX XXXX service. Yesterday, XX/XX/XXXX, I found out I never had the service. 
On XX/XX/XXXX, I received an email indicating Equifax/XXXX were working on my activation and they were sorry for the delay. My husband received the same email. Yesterday, XX/XX/XXXX, when I tried to log in to extend my service, I could not access the site. My husband was able to access the site. That afternoon, I called the number on the email and was asked a ton of verification from XXXX. After providing all the information requested, XXXX said my enrollment wasnt completed because more information was needed, so she provided another number to call. 
That evening, I call the number provided and waited on hold for over 45 minutes. While I was waiting, I called the first number to make sure I had the correct number. The representative tried to tell me about another service that didnt provide the same features I should have received. I asked to speak to a manager and was put on hold. About 50 minutes into the other call, XXXX, the representative answered. After providing all my verification information to her, she said the system wasnt allowing her to do anything. I asked for a supervisor and she asked if she could put me on hold for 2-3 minutes. Needless to say another 11 minutes went by before she came back and said XXXX, the supervisor would call me tomorrow. I asked for XXXX name and she said she didnt know. I asked who I could contact since no one from Equifax didnt contact me since the email on XX/XX/XXXX. She provided the Equifax site email. I asked if I could wait on hold for a supervisor. She put me on hold for another 5 minutes and XXXX came on the line. XXXX said he was a supervisor and couldnt give his last name. He said he understood my situation that I was not happy with the service. I corrected him and told him I didnt have the service, that was my issue. He said someone would call back. I found another number on the Equifax site and was taken in circle yet again. 

The bottom line, I never received the service and Equifax isnt doing anything to make sure I receive the level of service I should have been provided. I see why there was a cyber-security breach. Equifax was supposed to be watching, but wasnt.
Consumer complaint received 2018-11-29
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. (CA)

Given that Equifax is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Equifax clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove 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 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC (VA)

As of XX/XX/18- Gateway Finicial Solutions stated I did not have a bill due at this time for the month of Nov. I called multiple times stating that the automatic system is saying that I owe XXXX dollars for this month. On XX/XX/18 the day after my new due date of XX/XX/18 it is now stating that I owe {$470.00} due for XX/XX/18. According to the loan terms of this company you are not given a grace period & they have the ability to stop your car from working as well as repossessioning your car for being 2 days late.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.
Consumer complaint received 2020-08-17
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call Barclays and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call Barclays and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
Barclays can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.
Consumer complaint received 2021-07-14
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: MOHELA (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-11-29
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: BARCLAYS BANK DELAWARE (OH)

I checked my credit score because I am looking to rent a house, and I saw this unrecognized name of a bank I haven't heard of before. I am reporting it as fraud because this wasn't me and I have never heard of this bank name before.

Inquiry from XX/XX/XXXX Bank This inquiry could stay on my credit card report until XX/XX/XXXX. 

Institution Information Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-24
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-09-09
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: JPMORGAN CHASE & CO. (NY)

The complaint is about the JPMCB CARD SERVICES account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.
Consumer complaint received 2019-09-08
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. (DE)

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.