davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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: Upgrade, Inc. (CA)

XXXX merchant made frauduless sales and sent stuff here that was cancelled. I returned. XXXX closed account because of all I had to send back to XXXX. No refund. Put in all disputes in writing and called 4 times each to upgrade. No help at all. No one got back. The total of all XXXX outstanding refunds they did not dispute because they said " they didn't get info from me, '' which is a lie is XXXX and I have confirmation they rec 'd. A lot. 

They did the same thing with XXXX purchases totalling XXXX. I have same evidence. 

They also promised a XXXX bonus and XXXX bonus when I opened on the checking and debit. They said to spend so much in a certain amount of time and I did and called them serveral times and they are really XXXX and rude. This is a breach of contract and failure of fidicuary duty on several cause of actions. 

I tried to esacale to arbitration but their " legal team '' if they have one, won't respond. I dont even think this a bank. Just a huge false advertiser that charges interest when there is never a balance. I have all stmts. 

They claim to fix charges in error and this comes from their XXXX insurance and they did nothing. They also discriminated against me for being XXXX  with inablity to type, and having XXXX 

This started in XXXX XXXX XXXX  and is ongoing to date.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank puts unusually long holds on my funds. I made 2 deposits on XXXX and its now XXXX and the funds are still not available. 
One of the check was a personal check and the other was a check from the state of California.
Consumer complaint received 2022-08-24
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)

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ).
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (MT)

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-14
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: Advantage Credit, Inc. (CA)

Hi was in touch with Director of Mortgages XXXX XXXX at XXXX XXXX in XXXX XXXX to be notified of rates based on my income. I confirmed to him that the information would be used from a soft inquiry on my credit information. However when I was notified by XXXX XXXX that a hard check took place by his companys third party vendor XXXX, I was unable to get a resolution for removing the inquiry from him, his staff, or other credit solution contacts he referred me to. It has been several months with no resolution or action done by his team to resolve this non-consensual hard check on my information.
Consumer complaint received 2021-04-14
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: Certegy Holdings, LLC (NE)

On XX/XX/XXXX, I presented a check in the amount of XXXX at XXXX XXXX XXXX. It was declined and the merchant gave me receipt with the information to call Certegy. I did and requested my file. It was sent. First, there is missing information and unverified information ( DOB ) and the reason for decline is too vague. I, as the consumer, can not request validation as I am not being provided with the specifics for the declined check. It gives code 04 : which states " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. '' The file goes on to provide OUTSTANDING items : which is blank. I haven't written any checks that would be outstanding and/or not paid-defaulted. It states the information retained can remain on my file for four years from the check date or until by the reporting source to remove. I am unaware of any company reporting anything and Certegy isn't providing the information for dispute, validation, or fraud investigation. I reached out to customer service on XX/XX/XXXX and spoke with agent, XXXX, while being rude, stated their is no validation or fraud process. Additionally, I am in the process of chapter XXXX bankruptcy so being denied any owed debt is not allowed.
Consumer complaint received 2022-08-14
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. (GA)

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 a account without my written instructions. 

This consumer reporting agency is reporting this US Department of educationXXXX account on my credit report as paid of -40 %
Consumer complaint received 2022-08-25
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. (MD)

XXXX REPORTING A BUSINESS CREDIT CARD thats not mines. 

ON XXXX and Equifax credit services, A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. 

XXXX And Equifax continues to report this fraudulent account on my report even though Its not mines and I disputed it. 

Consumers dont seem to have any protection from these companies anymore
Consumer complaint received 2019-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MO)

This company is harassing my family about my loans. They declined to work with me when I lost my job. I called in XXXX to try to make a plan to help pay for my loans while I was unemployed and they refused to help. Since they wouldn't work with me, I was unable to pay them for 3 months. Now they are harassing my sister with phone calls. I never gave them her phone number and I have no idea how they got it, and that is VERY disturbing.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX I received a Venmo credit to open an account and was told I would be able to make purchases and receive payments from employers, direct deposits and receive money from family and friends. 
From XXXX XXXX XXXX XXXX I was able to do all of this. On XXXX XXXX I received a payment through XXXX from my employer. I received an email saying my account was frozen and identity needed to be verified. I immediately uploaded my drivers license to the link provided. I called customer service support and was advised that they had not received the identity verification requested and I would have to wait until Monday to speak w/ acct. services. I called on Monday because my utilities were to be disconnected, if payment was not received by the end of the day. I was told it would be 5-10 days to process. I explained my situation about my bills, and was advised my matter would be escalated for processing, this did not happen. On XX/XX/2022 I received an email from acct. services from agent " XXXX '' saying my funds were being held by loss prevention. The funds could be held up to 180 days, yet no reason for this action was ever given. I have continuously made contact via email and phone, to no avail nor solution. I still have yet to get a response as to what caused Venmo to take this action. This has caused great complications in my life and finances, unable to make bill payments on time. I feel outraged and disgusted and honestly believe I have been scammed by Venmo.
Consumer complaint received 2022-10-17
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)

I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act XXXX ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NC)

I have been attempting for over a year to get Citibank , N.A . to either cancel a XXXX Deed of Trust ( XXXX XXXX mortgage ) recorded in XXXX XXXX, NC, in Book XXXX at Page XXXX on XX/XX/XXXX, or to provide me with a payoff statement so that I can pay it off. I am trying to sell my house and it is a lien on my property so that I can not sell it without a payoff or cancellation of the DT. They responded and informed me that they would cancel the Deed of Trust ( record a XXXX release ) in early XXXX, XXXX, but then stopped communicating after informing me that an Assignment from XXXX to Citi was never recorded in the XXXX XXXX XXXX of Deeds, and therefore, they would have to send it to their legal department so that they could record the Assignment first, then record the cancellation. ( The Promissory Note was assigned from XXXX XXXX  XXXX XXXX XXXX XXXX  to CitiMortgage XXXX XXXX in XX/XX/XXXX, but no Assignment of the Deed of Trust was recorded in the XXXX XXXX Register of Deeds office. The Register of Deeds only has the original Deed of Trust in favor of XXXX Mortgage XXXX dba Southbanc on record, recorded in Book XXXX at Page XXXX on XX/XX/XXXX. ) Please help me because I desparately need to sell my house, but this lien it tying up my title. I have requested that Citi provide me with the attorney 's name handling the Assignment and XXXX XXXX, but they have stopped all communication with me now.
Consumer complaint received 2022-04-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXL XXXX XXXX  account # XXXX, XXXX  account # 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 2022-04-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (CA)

My mother passed XX/XX/2022. I am her daughter and the beneficiary of her accounts along with my XXXX  children and my brother. 
I am XXXX XXXX ( XXXX ) My daughter is XXXX XXXX My son is XXXX XXXX XXXX is XXXX XXXX We have all tried to close a CD that 1/4 was gifted to each of us. 
Synchrony Bank will not cash out my son XXXX XXXX his 1/4 of a CD account. Although XXXX XXXX sent in paper work per their request he called Synchrony Bank AND they advise XXXX XXXX they did not receive it. I have had to cash out of other accounts with Synchrony Bank along with my family members. We have all been in tears dealing with this bank. Number one there is no Brick and Mortar. 
# 2 Process is time consuming and extremely stressful reducing 3 of the family members to tears dealing with them. 
I have documentation going back to XX/XX/2022 all the way till today. requesting these account be liquidated. It took me 3 months to get my share out and tons of paperwork, redo paper work and emails. They do not respond to emails. They do not answer the phone. We are still trying to cash out of one account and they refuse to give it us.
Consumer complaint received 2021-09-06
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

Hello, Ive gotten a call at least twice a year over the last 2 years from a fraudulent caller. Its a self claim debt collector calling about a bad check  they says I defaulted on with the company XXXX  XXXX. I used the services of XXXX  XXXX back  in XXXX??, when I lived in metro XXXX, OH. Ive contacted XXXX XXXX Corporate Collection office about this matter numerous times, and their words to me You dont have an outstanding debt with XXXX XXXX and are not in the system. I was also told by XXXX  XXXX If the number calling dont match XXXX XXXX XXXX XX/XX/XXXX phone # its a scam. The last two numbers that called me was XXXX & XXXX for the scammer. When I ask for a persons, company name and business address they wouldnt give, just continues to pressure me for information. Ive asked them not to call my phone again and hangs up, but they stops for 5 or 6 months and calls back with a different phone number with a more aggressive attempt. I talked with 4 different departments with XXXX XXXX today XX/XX/2021 to get some type of information to have for my records, but they have none. Its been over 20 years since Ive done business with XXXX XXXX and have lived in Georgia for as many years. The account is too old and I dont have or owe any outstanding debts to XXXX  XXXX. Please help me with this matter, this fraudulent caller is very annoying and harassing. 

Thank You! 
XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (NM)

I'm a victim of identity theft. 
Someone opened multiple accounts and loans at SoFi Lending Corp AKA SoFi XXXX XXXX 
I have sent certified letter to SoFi Fraud department and a follow-up certified letter to fraud department and SoFi contiues to furnish this fraudlent account or accounts and fraudulent loan or loans information to Credit rating agencies. I also sent SoFi their fraud packet back with notarized statement on the identity theft report that SoFi supplied. I have called SoFi main phone number numerous times prior to and after sending the certified letters, and I have left multiple voicemail messages on the fraud number provided to me by SoFi and I keep getting the run around.
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXd { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 53432** 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 an account without my written instructions.
Consumer complaint received 2022-10-17
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. (CA)

I just received my reinvestigation back from EQUIFAX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.
Consumer complaint received 2022-08-14
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. (AR)

I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX XXXX Firstmark Services ) stated that my student loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX mistakenly paid off my student loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager XXXX XXXX XXXX promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from Firstmark Services about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the XXXX months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my XXXX  scores had changed ( dropping by XXXX points ). I requested and received the credit report from XXXX ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX Firstmark Services. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
XXXX XXXX
Consumer complaint received 2022-01-11
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: Choice Recovery, Inc. (OH)

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX