davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank (VA)

I used to have a credit card from " first progress '' and closed it before 3 month 's, today i discovered through my credit report that they aree Reporting As Delinquent, Derogatory, Or aeing Disputed. I tried to contact them throughout the telephone or email but they do n't have a un woorking telephone number or they do n't answer phones and they do n't have emails!!
Consumer complaint received 2022-03-13
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. (PA)

I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.
Consumer complaint received 2022-10-19
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXXXXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-13
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (PA)

My PayPal account shows a negative balance of {$12000.00} which I do not owe. The negative balance is a result of fraudulent chargebacks which enabled paypal to close my account which was not my fault and out of my control. I also have proof that these fraudulent customers were kicked off of online platforms due to their fraud. I keep getting numerous harassing emails from PayPal claiming I owe this debt and if I dont pay they will send it to collections. 

My PayPal email is XXXX XXXX
Consumer complaint received 2022-02-18
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (LA)

Im a victim of ID theft that has been ongoing for several years. Ive sent copies of my ID theft report and police report to the medical facility, and they still havent removed the debt. Now theyre having debt collectors try to collect this. 

I have never even heard of this medical facility. Even if I were to be seen by a doctor in any facility, I wouldnt get a bill for over {$8000.00}. I have insurance throug h Medicare and Medicaid. Please just remove this debt and stop harassing me to pay something I dont owe. This is becoming detrimental to my finances. Every time one of these fraudulent bills gets put on my credit, it significantly lowers my score and causes me to not qualify for the financial products that I need.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

Lexis Nexis Accurint report dated XX/XX/XXXX, falsely reports me living and creating numerous utility accounts between XX/XX/XXXX and through most of XXXX at addresses that are not known to me as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Note : I am a victim of identity theft. There is some type of organized crime which is still publicly advertised on XXXX at XXXX XXXX XXXX providing utility services to people who had credit problems. 

As a result, I am being unfairly linked to every criminal involved in this illegal activity and also provided the first five number of strangers ' social security numbers which would indicate the Lexis Nexis is providing the first five number of my social security to organizations who are gathering information of these total strangers..

Out of the 40 pages in this Accurint report, there are now 100s of criminals and their relatives being listed as my relatives and associates. When in reality, I am only associated or even familiar with one person on these 40 pages, which is my son who Lexis Nexis misreports as a female. 

The Accurint report also lists two state liens from XXXX which is also inaccurate.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

chex systems has not removed my information off there reporting system. XXXX XXXX XXXXXXXX has claimed there was fraud on my account which there was not due to the privacy act my rights have been violated claiming this information this account was closed on XX/XX/2018 ive disputed this item several times and no resolution has happened
Consumer complaint received 2022-10-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
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: ID Analytics, Inc. (RI)

Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
Consumer complaint received 2022-10-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.
Consumer complaint received 2022-10-19
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

Booked a flight XXXX reservation code. Under terms and conditions, it says this ticket is refundable. However, when trying to get a refund/cancel the ticket because of a change in travel plans, chase said that I can only receive a voucher. 

I believe this is deceptive on the part of Chase because a refundable ticket and a travel voucher are not the same, and I wouldn't have booked the ticket if I had known the refund was in the form of a travel voucher. The statement " this ticket is fully refundable '' reasonably implies that the buyer will get a refund in the original payment method My request is that chase refunds to points used to book this trip back into my account.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (IL)

I've contacted Citi Bank several times to resolve a unreleased mortgage from XX/XX/XXXX. Upon calling I was referred to a resolution team that does not accept calls only faxes ( XXXX ). A fax was sent several times without any followup from the company. I am in dire need of a lien release on a mortgage from XX/XX/XXXX, The CitiMortgage at that time was transferred or sold, yet, the mortgage was not released by CitiBank, The loan number is XXXX. Pin XXXX. I was due to close on XX/XX/XXXX, my closing has been delayed until this matter is resolved. Please assist in providing the necessary release of this mortgage. If additional information is needed please contact me, by phone or email at XXXX XXXX
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX
Consumer complaint received 2021-12-22
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. (GA)

The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX Equifax on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with Equifax. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MO)

Recently, the last month or two, Ally Bank has been very difficult to reach. I have banked with this company for over 10 years and they have always been immediately available or with wait times less than 10 minutes. However yesterday ( XXXX XXXX ), I wanted to replace my lost debit card. The first call cut off after 47 minutes of waiting, the second after 50 minutes of waiting. This morning ( XX/XX/XXXX ) their estimated wait time, at XXXX am, was 75 minutes At least today, they offered to call me back. It has been over 30 minutes and I am still waiting.

I realize that this is not an emergency situation. However, if I was traveling or some other dire occasion, what would I, or any other customer, do? There is a place on their website to 'lock ' your card. Shouldn't there be a place to request a lost or stolen card? I am sure there could be enough safeguards for that. At the very least their call time response needs to improve drastically. And dropping calls is not on my end, my phone never drops calls. I plan to find another financial institution in which to place my money.
Consumer complaint received 2022-10-19
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (MI)

Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.
Consumer complaint received 2022-10-19
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (PA)

I recieved a Prepaid NETSPEND Credit Card in the mail that I did not ask for ... The tag line is " Welcome Back '' with my name under it. The mastercard circles are also on this mailer. This made me believe that someone had applied for a card in my name or that something else was happening. After reading the small print that this was a Prepaid card and that NO credit reports were pulled and that no application had been sent to generate this mailing and that I was to dispose of this securely if I did not want it. If I wanted it, I would have asked for it. It is not right for companies to send faulty advertising trying to XXXX consumers into stuff that we don't need. The only recourse I have is to report them to my State Attorney General 's office and you.