davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (LA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL) (NC)

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is inconclusive and possibly fraudulent. Please remove this. Seeking possible litigation if not resolved. This is erroneous information which is a defamation of my character.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TX)

On credit report : Item # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) In accordance with the FCRA XXXX  15 USC 1681 Section 602 A states have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Over last 6 months with three letters, I had requested these nine accounts to be VALIDATED. Instead the agency comes back with it verified which does not answer my dispute of validation. This is my consumer right to request how you obtained the information in the investigation. You are to get a contract by the company with my original signature to validate these accounts. Since you refused to honor my request, your violating my rights as a consumer. Furthermore looking at these accounts, they are invalid in reporting which again violates my rights. They are reporting XXXX ( no lates ) but yet a charged off account. Three letters and not responding to my requests, I am requesting a immediate deletion. These companies further more no longer own these accounts so I would no longer be liable to them. 
Attached are the accounts in question on last correspondence that I sent to agency.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in XXXX separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX  has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I am now in loan modification for XXXX month. But I dont want this because this the only bad option I had. I got help from XXXX XXXX in Illinois. And XXXX will help me next month and will pay all my debts
Consumer complaint received 2022-07-04
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. (TX)

I checked my personal credit report, which I acquired from Equifax and I've filed disputes on my hard inquiries that I did not authorize on Equifax but they did not remove them even though they don't have validation that I authorized the hard inquiries. I request that Equifax remove the hard inquiries I disputed recently. If they do not remove, we will take other options to remove the hard inquiries.
Consumer complaint received 2022-07-04
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: Capital Credit and Collection Service, Inc. (HI)

Credit card customer service representative erroneously made an error about letting me know as to soft- pull instead of a hard-pull. The latter immediately cancelled my credit card and advised me not to worry because they will notify the reporting agencies their mistake. I called several occasions and notified the latter so far nothing has changed on my credit reports. They then tell me now, I have to call the credit bureau myself directly and whoever gave me false information.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My XXXX card ( managed by XXXX XXXX ) was sold to Marcus / Goldman Sachs some time last year. 
Transition of accounts began, approximately XXXX Since that time I have been unable to make purchases with the card. 
I have done the required account setup with Marcus.com/gm I have been on hold for more than 2 hours several days in row with their customer 'service ' line. ( so long each time that my phone battery died ) I have reported these issues to Marcus via direct message / XXXX- with the only response being an automated response. I observe other customers who have complained on XXXX receive nearly identical responses. 
Their website indicates chat is available - not so. 
There is no link provided to initiate cancellation of the card. 
There is no email address available. 
Marcus is holding we card holders hostage and responsible for any charge that may appear on our credit lines with no recourse to address the issues.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian continues to keep a closed account showing negative information after I requested for it to be deleted. Per 15 USC 1681 sec. 602A and sec. 604 A sec 2 codes of XXXX laws was reported as being violated. I made the complaint and asked for the account # XXXX at XXXX XXXX XXXX XXXX XXXX with {$1400.00} balance to be deleted due to my Consumer rights being violated and as result the account is being reported as only closed yet is still including all the negative information concerning that account. I would like to have the payment details and balance deleted as per my first initial complaint requested please. Thank you
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 2022-07-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 2022-03-09
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: CITIBANK, N.A. (NC)

There is a Citi Bank Costco Card XXXX on my Credit Report that does not belong to me. I have been working on this since XX/XX/XXXX. I did receive a letter dated XX/XX/XXXX that this card would be removed from my Credit Report. I check XXXX Report on XX/XX/XXXX and it is still on my Credit Report. Please can some one help me this is keeping me from doing a Refinance on my Mortgage. Thanks XXXX
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

I have a checking account with Citi bank. The bank has been charging me XXXX XXXX monthly fee. When I called the bank last year in XXXX they said if I have {$500.00} minimum deposit in the account then there will be no fee. 

I deposited {$500.00} last year and bank has been deducting {$12.00} per month from my account. When I called the Customer relations officer they said bank will not charge any fee due to Covid till XX/XX/2021 restrictions. 

Still bank deducted {$12.00} per month from XXXX to XXXX XXXX.I have a Citi bank credit card. I also linked my family bank account with my account. 

Still bank deducted {$12.00} per month even after saying no fee will be duducted due to Covid till XX/XX/2021.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Plastiq Inc. (CA)

I would like to file a complaint against Plastiq. On the XXXX of XXXX we made a payment for {$310.00} through their service. On the XXXX the payment was rejected and we were told we would be refunded the money within 3-5 days. It has now been over a month. I have sent several emails to the company and no one is helping with this refund. I have no other option but to file a complaint as they are not doing anything to see this issue resolved. 

The reference for this payment was ref : XXXX
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

n accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the rights 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 2022-07-03
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-03-08
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
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)

I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2020-04-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I have work to pay to balance my account since the account opening around XXXX. Recently my full-time job assignment ended XX/XX/XXXX, and I'm still waiting to obtain another full-time job. My current employer organizations have been affected by Coronavirus and are currently closed.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (WI)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX account # XXXX ( EXPERIAN XXXX XXXX XXXX account # XXXX ( XXXX, Experian XXXX XXXX XXXX XXXX  account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX account # XXXX ( Experian, XXXX ) have 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 2021-10-02
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. (NC)

EQUIFAX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND EQUIFAX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

My checking account with Citibank was placed on fraud alert on XXXX XXXX. Checks were forged and I received a copy of the fourth forged check and the bank is again trying to charge me XXXX from my now closed account and where they are also holding my VA federal funds hostage. This bank knows I didn't forge any check and why are they charging me.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of today I was alerted that there's a new inquiry on my report from " XXXX XXXX '' when I googled that company it was a company that ran SS # for rental apartments. I am not looking for an apartment nor have I authorized any such activity. I am now afraid someone is using my ss #. 
I did not authorized XXXX XXXX to run my credit. This is fraud.
Consumer complaint received 2022-03-08
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. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Flagstar advertises and allows " Bi-weekly '' Payments, and under their terms and conditions listed on their website, any payment deducted from the payment account is credited to your loan : " When we receive Payment Instructions, you authorize us to electronically withdraw the authorized payment ( s ) from your Payment Account and credit the payment to your loan account. '' However, these truly AREN'T Bi-weekly Payments as they hold funds " in suspense '' until full payment can be made. This defeats the purpose of bi-weekly payments as the purpose is to lower the amount of interest that is compounding on interest. To state that payments get 'Credit ( ed ) to the loan ' when they are withdrawn and to not actually credit the loan until a full payment amount is withdrawn is unethical and directly conflicts with the terms and conditions listed on their website : https : //www.flagstar.com/myloans/info/terms-conditions. This could also be a violation of my loan 's terms and prepayment options.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Wrote a dispute letter on XX/XX/2022 to Transunion, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  I requested they verify the accounts with errors on my credit report. I asked for a copy of my report with the results of the dispute. I have not heard anything or been provided any proof.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I had a transaction done with an individual through Venmo and she scammed me. We met at a garage sale and she wanted to buy my phone that I was selling and she paid me through Venmo. We never exchanged any contact information so I had no way to communicate with her afterward. She disputed the money after a week, so she received my phone and got back her money. Venmo is making me pay the XXXX back even though I don't have it. Since we didn't exchange contact info I don't have any screenshots of communication between us.
Consumer complaint received 2022-03-08
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. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}