davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (PA)

I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX XXXXor my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX XXXX in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.
Consumer complaint received 2022-07-02
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)

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

Equifax shows 60 days late no 30 day late, also shows co, co, co, OK. Equifax also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MI)

I bought a netspend prepaid rechargeable card so my relatinves could spend on the XXXX XXXX on a XXXX of XXXX weekend. Following advice at the local representatives in the XXXX, Florida - XXXX location paid in cash. 

After being denied activation of the card as my relative was not American I did the activation, however, they still denied both the activation, use of funds or refund the resources paid for said card. ( photos of said card attached ) I have spent a total of 4 hours over the last month talking to Netspend representatives ( phone records attached ), I call once a week, I pass the tests, and the security questions, and give them my SSN, but still, they refuse to send me my money back. They update my address telling me to wait a week for a letter- which never arrives. 

They refuse to give me any kind of case or phone call record and they also refuse to give me the funds back in any other way. As more weeks pass I know I will be reaching the max limit for non-used account cancellation. This shows the bad faith of this company first non disclosing they will not activate the accounts for anyone and second refusing to return the funds they have under my name.
Consumer complaint received 2022-12-02
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: CORELOGIC INC (GA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Bought my Home for {$410000.00} and put 5 % down at closing. Appraisal came in at XXXX. With remaining balance and the appraisal that came in I have over 20 % equity for my home but since my original loan was sold Chase mortgage can figure out how to drop PMI now as the system says I can't drop it until I reach remaining balance of {$310000.00}. I would have over {$100000.00} in equity and a loan to value ratio of 75 %. I am already below there ltv of 80 % needed to drop PMI but they refuse as this what the system generated when they purchased my mortgage from original lender and refuse to make it right without me paying additional costs that are not needed to drop PMI.
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NV)

To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX XXXX a natural person that the illegal collection efforts of the said alleged debt/s has been terminated. 
Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (TX)

Ive contacted XXXX XXXX XX/XX/XXXX regarding a collection on my credit report. At the time of the service my daughter had VA XXXX. XXXX XXXX did not bill the services correctly. XXXX XXXX response was my daughter did not have coverage. Which incorrect. I provide patient XXXX with the documentation. Now the bill has been turned over to collections. Ive been disputing this bill since then. The original amount was {$250.00}. The XXXX XXXX XXXX XXXX has the amount {$460.00}. Ive contacted XXXX and disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also contacted the collection agency.
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NV)

To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX , a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX, XXXX XXXX XXXX that the illegal collection efforts of the said alleged debt/s has been terminated. Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.
Consumer complaint received 2022-07-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC XXXX report. Since it is a requirement by law XXXX5b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-02
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. (LA)

I have sent numerous of letters to Equifax. I have not received a response. They have not resolved my disputes. Equifax did not conduct a reasonable investigation of my dispute, modifying and correcting any found inaccurate information and removing the disputed items from my credit report within XXXX to 45 days after receiving notice. Equifax XXXX XXXX ( XXXX ) still reporting inaccurate Date of Last Activity and a past due balance on my credit report. It is against violations to continue to report inaccurate information and a past due balance on a charge-off debt. Also, previous addresses that do not associate with me. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. 

I have attached XXXX forms of id & all of the proof.
Consumer complaint received 2022-09-22
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. (DE)

I took a look at my consumer report recently and I was extremely puzzled which caused XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer. -15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercises their grave responsibility with fairness, impartiality and respect for my right to privacy -15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. Here are the errors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-02
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)

Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report
Consumer complaint received 2022-07-29
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. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 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 which was violated. I havent given these accounts written permission to furnish
these accounts on my credit report as well!

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the date opened, last reported dates, date last active, payment histories, account types, payment status, date of last payment, show inaccurate information from report dated XX/XX/22 and XX/XX/22 and " still '' showing same inaccurate information reported ( see credit report screenshots ). 
This is grounds for REMOVAL!
Consumer complaint received 2022-09-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (FL)

I recently opened up a checking account with Discover Bank. I deposited money in there for use during my XXXX XXXX  for work ( XXXX XXXX ). Two days ago, Discover froze my account without warning and without any information given. When I call Customer Service to get information- I am told that only the Security Team can provide me information. When I call the Security Team - I sit on hold for hours. The system cuts the call off at exactly 3 hours and 2 minutes every time. I have spent a total of 18 hours on hold trying to get ahold of the Security Team so that I can get my account unfrozen, withdraw my funds, and close the account and take my business elsewhere. Eighteen hours on hold! Two days without ability to access my money. No information given for the why the account is frozen. They are literally holding my money hostage. According to their social media accounts, this is happening to numerous customers - everyone with the same description : frozen account without warning, no information given, told to call Security Team, on hold for hours no matter time of day, call ends at exactly 3 hours and 2 minutes, and multiple days of trying to reach someone without success.
Consumer complaint received 2022-07-02
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: SYNCHRONY FINANCIAL (CA)

Care credit has damage to credit by reporting wrong amount own. I was almost done paying my loan. When I lost my job and went to hardship. Got very XXXX  and XXXX work to for ever. I was only {$800.00} left. So I called them to close account and make payment of {$58.00} until i was done. because I was low in money and bill where just stacking I make 3 payments of {$58.00}. What was my surprise the smack me with {$3000.00} when I only own them about {$600.00} because i did payment of {$100.00}. So I called them why did the loan was less than {$600.00} why did the report to credit company 's the wrong amount. Called the 10x and never got a answer. So I told them I wasn't making more payments until the fix that amount! Until this day they keep bringing my credit score to XXXX when I had XXXX score. I'm been stressing calling credit companies with no luck. This company has Destroy my life! Opportunity! Had stress me out mentally.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NY)

So I owed my previous Pnc bank {$150.00} and some changes. I paid them already thru the phone and my bank account was closed on XX/XX/2022. But I still got a warning report that I still owe them money. If I already sorted out everything with my bank account then why am I still unable to open a bank account in other banks? I called my bank and they told me to tell you guys to update the report. I'm so frustrated bout it. Please reply me as soon as possible.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I had unauthorized charges from XXXX on XX/XX/XXXX. I reported it to Chime on XX/XX/XXXX. The next day the denied the claim. When I looked at the documents they used to deny the claim they stated it was due to me depositing money in my account the same day. My purse was lost with all of my cards inside. I shared the information with Chime and they did not use that information in their investigation.
Consumer complaint received 2022-09-22
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.