davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX  ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I have made several attempts to various CSR ( customer service reps ) to make a payment on my card. I thought that my next payment would be small and that I would be able to easily pay-off my balance only to learn that none of my payment attempts were rectified and were ever processed as promised by the multiple CSR 's I spoke with. On XXXX separate ocassions I was told to use another account and the last person I spoke to stated that I can process a payment through my checking or savings and they accepted another payment. Nevertheless, and yet again my account balance was the same and no payment was ever processed. Notwithstanding, I stopped receiving any online ( email ) communication from this company. I was eventually contacted by this company recently and that is when I learned that my account balance status still had not changed. I sent in yet another payment attempt but this time I took the safeguard of recording this payment and I now I must wait to see if this company will process this latest payment sent. In addition, the CSR was to cancel my card and apparently that didn't happen because they sent me a new card which is not what I asked for. Of course I discarded this card, as I intend to never buy from this seemingly dishonest company again. I see from their record others are having various problems with this same company.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have contacted Equifax numerous times. There is an address on my report that is not mine from XXXX. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to XXXX. They also have a charge from a creditor from a XXXX XXXX XXXX XXXX that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again TWICE one my credit report. 1. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is one from XXXXXXXX XXXX XXXX! Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called 17 times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # 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 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: PatientFi, LLC (IL)

Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
If you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. 

Please let me know if these people are scammers.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to Equifax, XXXX, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my Equifax account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to Equifax, XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX
Consumer complaint received 2021-12-28
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-02-03
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)

Yet again the file was closed with a generalised response. 
Equifax has a list of my issues and yet claims they do not know which claims I am referring to. 

ALL RECENT FINANCE REQUESTS- please provide a proof of validation including ORIGINAL financing applications bearing my signature. 

I have asked many times for this and receive only a reply to the effect of we have verified as accurate Report numbers XXXX, XXXX, XXXX, and XXXX are the recent attempts, I have many more if needed. 
ALL of the information within those reports does not belong to me - I have mad no applications for any credit in the last 18 months. 
Equifax claims to verify it, but does not provide any proof - I wish to see that verification process and the document that shows my permission to access my credit file.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MN)

I settled a debt with Ally Financial. 
I disputed the remarks on my credit report. 
They added " customer disagrees '' but did not change the remarks. 
Ally also added the remaining balance of {$4500.00} that should have been settled in our agreement. 
I then opened another dispute. 
After weeks they re opened the account which plummeted my credit. 
I called Ally and they won't talk to me. 
They wanted to talk to me legal representation. 
I called the company I used to help settle this account. 
I have not heard back. 
This was the settlement schedule that I upheld. 

Ally Financial - XXXX Current Balance Owed to Creditor - {$9100.00} Proposed Settlement Offer - {$4500.00} Number of payments - XXXX Monthly Payment XXXX XXXX x {$210.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} Now the account is open and says it's in collections.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (VA)

On XX/XX/2021 Upstart XXXX ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting actXXXX XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX account # XXXXXXXXXXX XXXX, Loan Amount {$3000.00} 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

To whom this may concern. 
I was away from New York for the month of XXXX. I received my monthly bank statement from Citibank and noticed 3 fraudulent charges on my account. All of these were from XXXX XXXX, I did not make these purchases. I immediately called Citibank and they canceled and re-issued me a new card. I registered my complaint and they assured me that this would be looked into and I would get my money back. 2 weeks later I got a rejection letter from Citibank holding me responsible for the full amount. They were unwilling to reconsider and all I was left to do was to send a written response to challenge this verdict. I immediately called XXXX and found out the purchase numbers for these transactions. You will be interested in my findings. I also made a police report and they are also investigating this matter. 

I have included all my information and investigation including the police report in the pdf included in the email. Please review the pdf. All pertinent documents are within this file. Please help me to resolve this matter.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

Creditor Name : XXXX Account Acct # : XXXX BALANCE XXXX Reporting Paid and creditor agreed to remove from credit reports and Equifax is the only one continuing to report
Consumer complaint received 2022-02-03
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: JPMORGAN CHASE & CO. (NY)

I have 3 accounts reporting WRONGFULLY only on XXXX. I sent since XX/XX/XXXX letter every 35 day asking them to VERIFY and VALIDATE the information and ask for ORIGINAL agreement or informaiton about the ORIGINAL account but I'm ignored since XX/XX/2021.
Consumer complaint received 2022-02-03
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. (OH)

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

US Bank reversed a transaction for {$82.00} from XXXX for a night I didn't stay there and a week after they left. They also reversed {$510.00} charged to me by XXXX again for credit owed to me by the XXXX hotel and nearly a week of days I didn't stay there. XXXX already owed me a {$100.00} on top of that for my deposit. And US bank didn't even send me a letter warning me of the last transaction for {$510.00}. They just took the money back. They didn't contact me to ask me for any evidence for which I absolutely had. The debit card team refuses to return my calls. I have solid proof that my claims are true and US bank seriously doesn't even contact me over this. I moved into an apartment, the payment even shows on my bill for XXXX XXXX. I am taking all my money out of US Bank because you don't protect your client 's money and I will either be getting a lawyer or taking them to small claims court. They already caused me to lose hundreds of dollars by improperly handling an earlier case and their agents not giving me the correct advice when I could have done a XXXX dispute as an alternative. US Bank absolutely is not handling this legally and is the worst bank I have ever dealt with.
Consumer complaint received 2021-12-22
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. (AZ)

XXXX XX/XX/2020 I PURCHASED AN ITEM USING A CITI BANK CREDIT CARD. THE PURCHASE VENDOR WAS DIFFERENT AS REPORTED ON THE CITIBANK CARD STATEMENT THAN THE WEB SUITE PURCHASE. CITIBANK WAS NOTIFED AND THEY CANCELLED THE TRANSACTION AND THE CREDIT CARD. THE VENDOR HAD ALREADY SHIPPED PART OF THE ITEM AND HE CONTACTED ME. WE AGREED THAT THE TRANSACTION HAD BEEN CANCELLED SO I PAID HIM BY WIRE TRANSFER. PRIOR TO SENDING THE WIRE TRANSFER, I AGAIN CONTACTED CITIBANK SECURITY/FRAUD AND THEY ASSURED ME THAT THE TRANSACTION HAD BEEN CANCELLED ON THEIR END AND THEY WOULD NOT PAY THE VENDOR BECAUSE THE TRANSACTION WAS CANCELLED. 
AFTER SENDING THE WIRE TRANSFER TO THE VENDOR, CITIBANK SECURITY CONTACTED ME REGARDING THE DETAILS OF THE CANCELLED TRANSACTION. I SENT CITI SECURITY PROOF ON XX/XX/2020 THAT I HAD PAID FOR THE ITEM AND THIS WAS NOT A PART OF ANY CREDIT CARD CHARGE. CITI SECURITY HAS CONTINUED TO MAKE DEMANDS FOR PAYMENT AND HARASSED OIUR FAMILY -- -2-3 CALLS PER DAY OVER THE LAST 18 MONTHS.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (WA)

I transferred a balance to my USBank card in XXXX or XXXX. I lost my job. I was unable to pay and I was experiencing some sever medical issues. USBank would not work with me at all regarding these issues. They forced my CC into charge-off status without attempting to negotiate with me. 

I have tried multiple times to talk to them. They hang up on me. They do not give me account details. They will not tell me why every single month they report this account as late. 

I believe in paying your debts but I was counseled by a lawyer not to pay UsBank any outstanding amount unless they would remove the account from the credit record. I found this to be somewhat fair, and USBank has refused any offer to negotiate. They need to be aware the statute of limitations to sue me has passed, and if they ever want my payment, they need to agree to a pay-for-removal. 

I do think I deserve the punitive actions this bank is actively taking to hurt me. I am trying to better my life and what is standing in my way is the abusive reporting and absolute brick wall attitude of UsBank. I was injured and had an income of {$0.00}, for years. It is clearly something personal they are doing.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TN)

I had a debt with XXXX in which they doubled my bill and charged for a month of service I didnt use. I settled with XXXX in XXXX of 2020 for {$53.00} dollars, and that I was told made it paid in full. I paid and my credit score went up in response. Now, 6 months later, they decide to bill me for the same amount I settled for in XX/XX/2020. I do not owe XXXX anything. How can I trust a company that does this? If I paid again, would they wait another 6 months and bill me again? 
XXXX is a horrible company that gouges their customers at every turn.