davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Medical Business Bureau (FL)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2021-12-15
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
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. (NC)

Been a card member of CitiBusiness since XXXX. We have not had a lot of fraudulent transaction regarding this company. Charges for XXXX XXXX XXXX started in XX/XX/XXXX and occurred each until XX/XX/XXXX. We paid the statement amount in full every month and disputed said charges. Below is the charge amounts for each month : Date of Charges : XX/XX/XXXX {$110.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$150.00} I am attaching documents and letters sent to Citibusiness letting them know these were fraudulent charges and we disputed them. 

Citibusiness started issuing credits against said charges in XX/XX/XXXX. Credits and dates issued are listed below : XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$38.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) In XXXX when the last credits were issued, we consider the matter resolved and settled. 

We received a letter dated XX/XX/XXXX from Citibusiness with a copy of the merchant 's response which had inaccurate information in their dispute reversal request. They had only partial matches on the authorization information and the email address associated with the XXXX account is not associated with me or our companies. We signed the document from Citibusiness stating that I nor anyone authorized by me made this charge ( s ), along with a letter asking them to add on the auto biller updater suppression to all cards related to the account. It was faxed back over to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX we received another letter with XXXX response to more of the charges and again supplied documents that had only partially matched authorization information and again wrong email information. They requested proof we cancelled in accordance with the merchant 's terms and conditions. Example of this proof would be a cancellation email from the merchant. On XX/XX/XXXX we signed Citibusiness form stating this wasn't a charge authorized by us and sent a letter explaining we can't provide proof of something we never signed up for. Letter and signed document were faxed back to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX Citibusiness has sent a letter advising us the charges are being reversed and the investigation is closed. 

These are fraudulent charges and we have disputed every charge from this merchant since it began.
Consumer complaint received 2019-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (TX)

After receiving letters from the Department of Education on my permanent disability discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my Credit Reports but their systems would no allow me to do so.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

The value of my property increased since 2018, when we bought it. Their website estimates my value at XXXXkand most online info is the same. Stats show average sale price in my subdivision is XXXX. Because of this, when I considered refinancing, their officer waived the appraisal. I called the same company about simply removing the PMI. I was told by rep1 that a review must be done to confirm a value of at least XXXX. I was told no inside review was required, there would be a drive by and I had to pay XXXX for it. I did so- then I was told later by the reviewer that he had to come inside. I then spoke to rep2 at their company, he confirmed they are not doing inside reviews during the pandemic. He tried to find out why there was a switch up with me. He later said he was told an inside review was required for me, although the company has not been doing this. No missed payments, we pay on time each month. Data shows house is well over XXXX in value- the same company was waiving an appraisal for refinance- but, although others have not had inside reviews during the pandemic, I was told today by a manager, XXXX XXXX , that an inside review is required for me. Some type of discrimination is involved. If others have not had it, especially in light of the clear increase in my property value and the pandemic, why is it required for us?
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2021-12-15
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. (CA)

I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus equifax XXXX and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Re : Selene Finance For over a year on numerous occasions we have requested our payment History and documents from Selene Finance. All promises have been broken and hours on hold to speak with a rep. NO REPLY or help of any kind!! 

Sent in a payment of {$30000.00} on XX/XX/2022, for principal only and do not see this as being applied. 

When I go on our online account you are unable to request this information also.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I have already filed this compliance which they said they would investigate and they have not. XXXX Synchrony Bank has done massive damage to my credit report by closing multiple accounts with no late payments affecting my credit ratios by XXXX XXXX XXXX XXXXhe last one was my Lowes Card which specifically stated it was closed with a balance because of XXXX past due mortgage payments which has since been corrected on my credit report. I asked them to reopen the account or at least open a new open with the same limit or difference between the limit and what was owed on the other. A representative reached out to me and that is all she did she stated she would look into this and figure it out and then I was ghosted. They have since denined any application from me. I will seek legal action If they refuse to fix this situation.
Consumer complaint received 2021-12-15
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. (ID)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-15
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: CITIBANK, N.A. (NY)

On XXXX XX/XX/2019 Macy 's has been removed from my credit report.I have documents printed out from XXXX showing that.Before it was deleted, my Macys account was in negative standing because I refused to pay them for the item, that was falling apart after few months of using it but I bought extra warranty at the time of purchase and they were supposed to either fix it or replace it.I have all documents supporting what I did in order to notify Macys about the problem.Since they neglected me all the way so I stopped paying them. That was the moment, when suddenly they knew how to call me back.After few long months of frustration, I received the check from Macys for the damaged item.However, they never refunded me for interest I paid over XXXX period. 
After sending all documents to XXXX, OH, Macys removed my account from credit report at my request since it was killing my credit history and it was impossible to apply for any kind of loan.Now its showing again and my credit dropped down drastically.Calling XXXX wasnt a good idea. Professionally rude, trying to convince me I am wrong and that they dont see in the system what I am claiming happened.She wasnt even willing to take the report number from me so she could see clearly what I meant.Horrible experiencePlease help with removing Macys from all credit reports.You are my only hope.Thank you.
Consumer complaint received 2019-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Today at XXXX, XXXX 2019 at XXXX I sent {$100.00} through my Wells Fargo app ( XXXX thats on the Wells Fargo app specifically ) to a person. I realized too late about the XXXX XXXX it does not assist with fraudulent and repayments. I am very devastated due to that and wish for some assistance to receive that back.
Consumer complaint received 2021-12-15
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. (IL)

I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.
Consumer complaint received 2021-12-15
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)

I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS TWO STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE XXXX XXXX XXXX XXXX XXXX! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX  FROM XX/XX/XXXX ON MY EQUIFAX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.
Consumer complaint received 2022-02-28
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. (GA)

There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!
Consumer complaint received 2022-11-15
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. (GA)

Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX Equifax and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (CT)

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Elan Financial didn't follower the terms and conditions transferred from XXXX XXXX XX/XX/XXXX. Automatic payments stopped with-out my authorization and I was unaware payments stopped Causing two months to be late. Automatic payments were not made because they didn't honor the original ACH agreement., The only way I found out was when I pulled my credit during that time to see a new credit card company that I was unaware of the merger.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Alexander & Associates, Inc (NJ)

I signed a gym contract with XXXX XXXX XXXX XXXX, XXXX XXXX for a year of gym membership which ended on XXXX XXXX, XXXX. The gym membership according to the contract can not be renewed without me going in person to the gym to renew it, sign another annual contract and being issued a new membership number. According to the contract, the annual membership can only be renewed on a month to month basis if I was paying monthly dues at the time of annual contract expiration. Since my bank re issued a new debit card with new chip my payment for 2 months did not go through. I was not paying monthly dues after XXXX XXXX. I have an outstanding amount of XXXX XXXX and XXXX XXXX to be paid to the XXXX XXXX XXXX of {$160.00} in total. 

The gym sold my info to a debt collection agency called Williams , Alexander & Associates XXXX XXXX XXXX XXXX, XXXX NJ - XXXX with a debt collection against me of {$740.00} on XXXX XXXX XXXX. I sent a certified post through USPS to dispute the amount but the letter has been returned to me. No one received it. The agency sent me a second letter on XXXX XXXX XXXX with a second debt of {$870.00}. 

When I called them on XXXX XXXX XXXX, I was informed that I need to pay $ XXXX {$870.00} now. My original debt of {$160.00} outstanding with XXXX XXXX XXXX XXXX has been misrepresented. The debt collection agency - Williams , Alexander & Associates has reported derogatory bad credit on my credit score which came down from an average of XXXX ( for over a year ) to XXXX despite my disputing the amount.
Consumer complaint received 2019-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (IN)

Flagship Credit Acceptance has charged off a debt but continues to try to collect a balance after a vehicle was voluntarily returned and thus sold by the company. Flagship was able to recoup the amount owed on the loan and left a balance of XXXX, yet they have been reporting to all credit bureaus a balance of XXXX. This company has also illegally re-aged this account by updating monthly negative remarks on a Closed/Charged off account. Furthermore, Flagship has reported conflicting information to XXXX XXXX and XXXX  in an attempt to damage my credit rating. Under the FCRA, all information must be reported accurately and completely, Flagship has failed to report my information accurately to all credit agencies. Flagship has reported conflicting account open dates ( XX/XX/XXXX for XXXX  XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX  XXXX this illegal per the FCRA. Next, the last payment dates are conflicting when reported ( XX/XX/XXXX with XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX again this is erroneous and illegal reporting by this company. This account is listed as closed and charged off with all three major credit agencies, yet the last date of activity has been backdated and updated every month, damaging my credit report with illegal tactics that violate my rights as a consumer. I have reached out multiply times for debt validation and removal of this erroneous and illegal information but have been met with nothing but verification of this clearly illegal, erroneous, and unverifiable information. I have included pictures of my credit reports from all three agencies with the illegal information circled.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CA)

I have a I have had a PayPal prepaid XXXX for approximately the past 3 years. 
I recently got a new phone # and was unable to change it without help and can not sign in to my prepaid XXXX through my Paypal account ; therefore, I can not view my balance, debits, or credits. Basically, I am locked out of PayPal prepaid XXXX. I called prepaid, the agent also was unable to change it. He decided that I should delete my Paypal account and register a new one ; everything the same except the phone number. I did so despite my misgivings. I linked my prepaid XXXX. So far so good. From then on, even though I have transferred funds and paid a bill from prepaid to paypal, I CAN NOT LOG INTO PREPAID AT. ALL. Although it says they are linked it is not. I can sign into PayPal and transfer funds to my XXXX and pay bills from XXXX through PayPal, but I HAVE TO PAY FOR TRANSACTIONS FROM PAYPAL, and do not pay for them when using my prepaid card, AND I. CAN NOT. HAVE. ACCESS. TO. MY. BANK. STATEMENT. I have contacted PayPal prepaid XXXX, they send me over to Paypal.And vice versa. I have enclosed a screenshot of XXXX of many emails from both the companies and a screenshot of error message when trying to log into XXXX account. 
**IMPORTANT** PayPal prepaid has the option to log into the prepaid account ; however, I was never given the option to set up a user name with a password, so essentially I am denied access to my bank statement including balance, debits and credits
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J. Ritter Law P.C. (FL)

I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money.
Consumer complaint received 2021-12-15
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: LEXISNEXIS (SC)

XX/XX/2021, Lexisnexis I am responding to a email that is attached to this complaint. You asked me to send a clear copy of your driver license, social security card along with your most recent utility bill or credit card statement indicating your current address. I have attached my license, social sercurity and utility bill. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX