davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
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. (AZ)

My XXXX/XXXX XXXX Visa credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, XXXX and Equifax credit report.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (TX)

OnXX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX I paid off account full balance work synchrony bank ( care credit ) XXXX was paid off total,XXXX  was paid on XXXX .on XX/XX/XXXX, I saw a late payment inquiry and my credit score was dropped 38 points and als my 100 percent payment record was dropped to 99 percent .on XX/XX/XXXX I spoke to XXXX and XXXX after reporting to them about synchrony charging me a late payment after I paid account in full XXXX before due date. I paid XXXX that following Friday after receiving the statement. 
Account was paid for in full after opening credit card not even a month into statements. 
They claimed it was an interested fee, a fee I confirmed was not on account after paying the whole account off.
Consumer complaint received 2019-06-02
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: Credit Karma (CA)

Credit Karma ( www.creditkarma.com ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX  and XXXX. 

My credit reports are frozen at XXXX  and XXXX, as well as at XXXX. Yet Credit Karma has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

Credit Karma is not authorized by me to access my credit information. XXXX and XXXX are not authorized by me to share my credit information. So either Credit Karma is obtaining the information illegally or XXXX  and XXXX are violating the credit freeze and my privacy by providing my credit activity to Credit Karma. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Consumer complaint received 2019-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Chase bank mistakingling i assume deposited my payroll checks from XXXX XXXX in the amount of XXXX and then my payroll checks in the amounts is over two hundred biweekly into my ex wives account instead if my correct account my ex wife has no financial association with me as i am now engaged and living with a new person these checks were able to escape my monitoring because i am so busy at work i can not always check my deposits but my fianc has brought this to my attention when i contacted chase they told me that i had to contact my ex and get tge money from her but i disagree she and i no longer speak nor would she give it back two three the bank is the one that made the mistake i was never listed a person on her account and should never had my funds taken I am tired of fighting with the bank i am now ready to take further measures this is not right
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I reached out to Lexis Nexis on XX/XX/XXXX, XX/XX/XXXX regarding a past toll violation with The XXXX XXXX XXXX that the toll was closed and should not be showing on my credit report or any record. I completed a Deferred Adjudication Program in XXXX for three months, stating that I would have a toll for that time. I did not have one, and the case was closed. Lexis Nexius still has this information under my name ; I came across this information from an XXXX Alert showing that this is coming up on my credit report as pending, which is incorrect. I contacted Lexis Nexis and filed the complaint with the information they needed to close this information and correct it under my name, and they did not do so ; it has remained. I sent them another request, but they never responded or answered their phones by email or phone.
Consumer complaint received 2020-10-30
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. (MD)

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. 

There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, Equifax, and XXXX  have yet to send ANY correspondence for my requests and completely ignored every letter.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I had a checking account with PNC bank including a debit card. I noticed a number of fraudulent transactions within days of them appearing on the account and notified the bank. The transactions were clearly fraudulent, including charges like {$600.00} for XXXX   services in XXXX GA as well as XXXX charges around the city. I haven't been to XXXX for more than four years. Payments were made to wireless phone carriers for which I have no account. Nonetheless, the bank denied my claim.
Consumer complaint received 2019-06-03
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2020-07-10
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: CITIBANK, N.A. (CA)

I put a dispute on a clothing company called XXXX XXXX   XXXX XXXX and Citibank ended up canceling the dispute. They said they sent me a letter for more information on my online account. I asked why didnt I get a letter sent to my home and they said because I agreed to paperless. I dont agree with this because I do not remember opening up the electronic letter about them wanting more information or else I would have sent them more information. 
I spoke with the company and they told me to send the dresses and then they would give me my money back. I spent more money to send the dresses to XXXX and still the company hasnt given me my full refund. They gave me half of the cost on a gift card. I told the company I do not want a gift card because the dresses look nothing like the website pictures. Its a scam. 
I called back citi bank because I havent heard back from the company and they told me they can not open up the dispute again. I couldnt believe it because I finally sent the dress and still I havent gotten my full refund. Citi bank said they are unable to help me. 
I asked them even if this is now a new case since they have their dresses now wouldnt I be able to get my money back through the bank. They said no. 
Especially with Covid I am not working and Id rather get my full refund and not a gift card for a website that sells clothes that are very bad quality. 
I read the reviews from this website and they have so many bad reviews. The owner XXXX shows me that she does not care. Which is frustrating and disappointing.
Consumer complaint received 2019-06-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc. (CA)

Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2.  Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I have been battling with Wells Fargo Home Mortgage for over 1 years regarding an alleged missed payment on my home mortgage. The issue I am raising to you is not about the missed payment, but the impact Wells is telling me this missed payment has on their reporting the most current balance on my mortgage to the major credit agencies. In addition, I am currently unemployed and asked Wells for forbearance on my mortgage. Even though I filed for this, I have made every mortgage payment after I filed with them asking for forbearance. Wells is also saying they are not reporting current balances to the credit agencies as I asked for forbearance. I assume you are the correct agency to report this issue to. If you are not please let me know who could address this issue.

I assume Wells should be reporting the most current balance ( of {$640000.00}, see attached latest statement from Wells ) regardless of me disputing ONE payment. I could understand them not reporting payments as MISSED during Covid-19, but question that they are not reporting current balances. Instead they are reporting a XX/XX/XXXX balance of {$670000.00}. This equates to a difference of approximately {$34000.00}. I have filed disputes with Experian no less than 4 times regarding this matter, and each time Wells states the {$670000.00} is the correct balance to report. 

Attached is my latest letter to them ( dated XX/XX/XXXX ), reflecting different information to the 3 big credit agencies. Their response noted in the attached XX/XX/XXXX letter, states the following : While they are agreeing that they have not reported my latest balance to the credit agencies, they are saying my outstanding claim of a missed payment and Covid-19 forbearance as the reason they have not done so. 

I hope you agree with me, that they SHOULD be reporting my latest balance of {$640000.00} to these agencies. I was told this has an impact on my credit score. If you do not agree with them reporting my latest balances, could you please explain why?
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NY)

On Thursday XX/XX/XXXX a collection account was reported to my credit reports by your company, Americollect to all three credit bureaus in the amount of {$65.00}. The date opened is listed as XX/XX/XXXX. 
The notification of the negative item from my credit monitoring company is the first time I received notice of this alleged debt. This means that Americollect is attempting to collect a debt in violation of FDCPA by failing to provide a written debt validation letter with a clear notification of what the debt is and failing to notify me in writing of my rights to dispute this debt. Essentially robbing me on my right to have this debt verified. 
The FDCPA regulates abusive practices by debt collectors. As such, by operating in violation of FDCPA Americollect is subjecting me to abusive practices by willfully negatively affecting my credit rating and not allowing me access to information about this debt.
Consumer complaint received 2017-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

In XXXX I asked for the bankruptcy to be removed from my equifax and XXXX account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.
Consumer complaint received 2017-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX
Consumer complaint received 2018-03-01
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. (AR)

Equifax : I've disputed multiple on my credit report that XXXX XXXX XXXX doesnt belong to me, i verified with XXXX that i have no charge off accounts and i'm in good standings with them. My question to Equifax is why does a charge off from XXXX keep showing up on my Report???? after disputing it multiple times? 

Also Equifax said my info was out there on the dark web from a so called website : XXXX / i've contacted my local FBI and starting a report with them. 
They did nothing to help me with that, also they told me my data has been compromised from the Breach!
Consumer complaint received 2019-06-03
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)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (OR)

On XX/XX/2019 I checked my XXXX XXXX card and was told that fraud had happened on my card and it was locked. I was told that someone had called in and changed my address, phone number and was issued a new card. I was not informed of any of this and I was told to fax my ID and social security card in. I did this and I'm keep getting told they have not received it and it could take 48 hours to fix this problem it's been 48 hours and still locked.. I looked on my online account and the card I have does not match mine. I can't pay my rent or get my funds. My complaint is how did this happen and why was I not informed, no letter or anything.
Consumer complaint received 2017-09-23
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. (MI)

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX