davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NV)

CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE MAJOR DEPRESSED. I have contacted chase several times about the double payments that I make in advance to get rid of the late fees and interest on the loan but chase will find any reason to apply for two payments as one payment even though I advise them of my purpose. of two payments are to pay my car payment in advance as I don't get work every month. For the month of XX/XX/XXXX, I made a payment from my corporate expense account and sent chase a copy of the statement chase informed me because it's not a regular account they could not verify the payment. 
please see the attached statement.
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AL)

This is updated information with regard to Case # XXXX. Although you show this as closed, it is by no means not. I am continuously getting phone calls from their agents, which at times are very rude. Recently an agent told me " Ma'am I have a notification about you and your account. No calls regarding this account will be handled. Don't call back we will call you if any information is needed. Here is an XXXX number you're to call. Good day XXXX XXXX XXXX. '' This is supposedly Citi 's Recovery Dept, which I've called numerous times, only to get the proverbial run-around. 

Now I am receiving statements with totally different account numbers that I am not nor have been aware of namely their statements only show the last four digits, which are in no way connected to anything I am aware. How can Citi ask for positive or negative feedback when their statements allude to accounts I have never created nor have used? 

Harassments are now more provoking than me instigating dialogue with you. 

Thank you ever so much.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, 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 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I received another email by Navient on XX/XX/2022, after I made efforts with my loans actually, legally, in XXXX. " I am missing several payment credits '' for FEDERAL LOANS. I PAID IN FULL, loan XXXX in the amount of the total current balance due for XXXX. I am missing XXXX credit with Navient confirmation payment XXXX. In addition, I made a small payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is Navient confirmation XXXX. I also paid off 2 PRIVATE LOANS through XXXX XXXX. I spoke with " XXXX '' at Navient XXXX XXXX department over two weeks ago to confirm the settlement. My account still shows I owe for all these payments. There should be no balance or default status in my Navient web account, Signature Student Loan XXXX, XXXX, or XXXX. Navient gave my forgiveness for loan. Please see the attached Navient email, speaking the untruths about my false neglect. Please see attached file from XXXX XXXX of settlement. I paid the private loans in XX/XX/2022 to get the " default '' status off my credit report. So I paid on private loans in XX/XX/2022.
Consumer complaint received 2017-08-12
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. (MI)

I 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : XXXX
Consumer complaint received 2022-04-24
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. (NV)

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.

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. 

XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX Bank XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Auto - Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

This Complaint is against Citibank regarding my credit card account that I have had since XXXX. After 32 years, Citibank issued be a letter informing me they are not reissuing my card upon its expiration in XX/XX/XXXX. Citibank has stated it is due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action was taken regarding my Costco credit card for which I will also be filing a Complaint. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. 

I have never been late or missed a payment on my credit cards- the longest of which is the subject of this Complaint for 32 years. I also have no history of bankruptcy. 

Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a Home Depot check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. 

Citibank 's recent action of which I was notified on XX/XX/XXXX, is unreasonable and places my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX with a history of on-time payments and loyalty.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX XX/XX/2022 - transaction amount {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 - transaction amount {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX amount {$43.00} XXXX XXXXXXXX XXXX XX/XX/2022 XXXX transaction amount {$13.00} All of the charges above were fraudulent charges that we were only alerted to us after the large XXXX  transaction for XXXX via text message alert from Citibank. I instantly called Citibank and logged into my account. I tried to do online fraud through Citibank but the transactions are in a pending status, so the system will not allow me to do any disputes for 3-5 days. I did speak with a Citibank representative who stated that she canceled my credit card and posted fraud alerts for all transactions but she stated I will not here about any outcomes for up to two weeks. I am very nervous about all of these fraudulent charges to my account especially the XXXX cent charges because those are usually test charges. Iasked the Citibank representative if they have had any fraud or hacking events and she stated no. After researching I found this to be inaccurate. XXXX XXXX and XXXX XXXX reported scams and hacking attacks pilfering over XXXX credit card customers.
Consumer complaint received 2022-06-07
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)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

This Complaint is against Citibank regarding my Costco credit card account that Citibank closed. Citibank issued me a letter informing me they are not reissuing my card due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action has also recently been taken against me regarding my Citibank Diamond Preferred card I have had since 1990. I also filed a Complaint regarding that action and account. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. I have never been late or missed a payment on my credit cards- the longest of which is 32 years. I also have no history of bankruptcy. Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a XXXX XXXX check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. Citibank 's actions are unreasonable and place my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX and with a history of on-time payments and loyalty.
Consumer complaint received 2022-11-29
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. (NC)

i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Someone from Texas has used my name to set up a utility account and now the bill showed on my credit report and is damaging my credit. The below was provided and I was asked to provide a record of proof of my address which I have. 
Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX  Date Assigned XX/XX/2022 Original Amount Owed {$470.00} Amount {$470.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 Comments AFFECTED BY NATURAL DISASTER Contact TRANSWORLD SYSTEMS INC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-24
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: BARCLAYS BANK DELAWARE (NJ)

The credit card company incorrectly charged the wrong account for payment, internal error, and then falsely reported to the all three credit bureaus that I was late past 30 days when I was not. 

I have asked them to remove it, they said they would look into it over thirty days ago and have still not responded.
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM, INC for a number of federal violations. I have NEVER given I.C. SYSTEM, INC any kind of permission to use any of my identifying information to commit mail fraud by contacting me about this alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is completely illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
Ive never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

I'm being charged penalty fees for my Dillards - Wells Fargo account, even though my balance was paid last month. 
On XX/XX/XXXXXXXX XXXX I paid Dillards West Fargo phone system the amount of XXXX dollars from my XXXX Account. 
Just recently, I started to receive delinquent calls from XXXX XXXX demanding a payment for delinquent fees. 
I stated I had paid the XXXX balance on time and I had the record. 
After 2 hours of dealing with their system and customer service, they could not acknowledge my payment and requested a fax with the bank statement. 
Their customer service is deficient and does not keep accurate track of the incoming payments.
Consumer complaint received 2021-11-25
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$720.00}