davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

Thank you,
Consumer complaint received 2023-08-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
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. (DC)

As of XX/XX/2023 Equifax has incorrectly dropped my Equifax FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 Equifax deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 XXXX has also incorrectly dropped my XXXX  FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CO)

I had a loan with Chase Auto for my XXXX XXXX XXXX in which the loan ended in XX/XX/XXXX. I made my final car payment on XX/XX/XXXX. Prior to XX/XX/XXXX I had contacted Chase Auto via phone to update them on my mailing address, as I had recently moved from XXXX XXXX XXXX. XX/XX/XXXX came and went after my last payment and I never received my car title in the mail. I left ample time for it to be sent out and arrive. In early XXXX I followed up on the phone with Chase Auto again to see if they had sent out my title, in which they said they had and they verified sending it to correct address. I have had no problems receiving mail from anyone else. The representative I had spoken to said she would send a lien release so I could get my title. It is XXXX now and I have still not gotten any title or lien release. I have also submitted a lien release request twice throughout XXXX through Chase 's website in which nothing has been mailed to me. They claim it will be sent out in 3-5 business days, but a whole month has come and gone with receiving nothing. My current license plates have already expired and I would like to go to the XXXX to register my car with the state of XXXX, but I have no way of doing so without having my proof of ownership. My car is 100 % paid off so getting me my title should not be a problem.
Consumer complaint received 2023-08-03
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2016-05-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with XXXX XXXX XXXX and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CA)

Elderly ( XXXX ) mother pressured to get a JCPenny credit card despite trying to pay with a XXXX card. Due to the new card with new payment terms and schedule she paid {$130.00} of fees on a total of {$53.00} purchased.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (LA)

I am writing to formally report what I believe to be a fraudulent debt collection scam involving a company calling itself " Unifin. '' Over the past XX/XX/year> and XXXXXXXX XXXX XXXX, I have been receiving unsolicited text messages from a company claiming to be a debt collector. 
They allege that I have an outstanding debt of {$9400.00} and include links within the messages, directing me to click on them if this is a mistake. I regularly monitor my credit reports through XXXX and receive yearly reports from all major credit bureaus. I have never seen any mention of such a debt, nor do I have any financial obligations of this nature. Additionally, I have never received any formal debt collection notice in writing, which I understand is required by law. I believe that this company may be attempting to scam me by acquiring personal information through these text messages and links. I have not clicked on any of the links provided, nor have I responded to the messages. I would appreciate your assistance in investigating this company and their practices. Below is the contact information from the messages I received : Company Name : Unifin ( according to the text messages ) Alleged Debt : {$9400.00}. Account/Order/Tracking number : Ref # XXXX Unsolicited text messages with links to click provided in the message : https : XXXXXXXX with a link to self service portal XXXX XXXX XXXX XXXX  The text is coming from # XXXX and in the message asking to call XXXX Thank you for your attention to this matter. I look forward to hearing from you regarding any actions or follow-ups that may be taken.
Consumer complaint received 2019-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked immediately.
Consumer complaint received 2022-11-23
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WI)

On XX/XX/19 Barclays Bank sent a letter saying my credit limit was being reduced due to a seriously delinquent account and because of high account balances. I called Barclays Bank on XX/XX/19 and spoke with XXXX and explained that I had a fraudulent account placed on my file, and that account was the only account that was delinquent. My existing balances have been very consistent in the usage rate, and I was never contacted by any lender regarding high balances until I received Barclays ' letter. XXXX said that the only way I could get the available balance increased was to pay a substantial amount on the balances. Even if the proportion of high balance to available credit is a concern, the act of reducing available credit creates an even higher percentage. Thus the " problem '' is compounded so Barclays Bank is creating a more significant " problem '' by their action.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2021-08-05
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I was the victim of a scam in XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Consumer complaint received 2023-08-03
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX XXXX XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 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 2022-08-04
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: Experian Information Solutions Inc. (TX)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage  Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXXXXXX XXXX Mortgage Companies XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXXXXXX XXXX - Mortgage Loans XXXXXX/XX/XXXXXXXX XXXX. Credit Bureau Inquiries XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian : XXXXXXXX Mortgage Reporters XXXX XXXX Mortgage Companies - Finance XXXX XXXX XXXX Mortgage Brokers XXXXXX/XX/XXXX XXXX XXXXXXXX Credit Bureau Inquiries XXXX US SM BUS ADMIN ODA Federal XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Credit Bureau Inquiries XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Mortgage Reporters XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX 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 2023-08-02
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2021-08-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

A few months ago I got a copy of my credit report online. I had seen that Credit Acceptance had been reporting the wrong amount owed. When I called the first time, a rep told me that i would need to submit a from on their site or dispute it with the bureaus. As time passed the amounts that were paid on the account weren't being reported correctly. Each time I would call about this balance I was told by a rep to dispute it instead of them just going over the payments and readjusting to the correct amount,