davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
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. (FL)

In XXXX I purchased a vehicle from XXXX which was all the way at the time. It was a used XXXX XXXX XXXX financed through XXXX. In XXXX, The vehicle was repossessed. Although I have contacted Equifax and disputed information on the report they are still reporting XXXX in the full balance as if we still have the vehicle. The vehicle was auctioned off in XXXX. The original loan was taken out in XXXX. Even if we had a vehicle why are they keeping an account on there for 11 years. And since they took the vehicle in XXXX ; and of course we were delinquent before then it still should not be reported. I am tired of fighting with Equifax and if this doesnt work I am going to look into hiring an attorney to go after both Equifax and XXXX.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank discourages customers from filing reports of unauthorized charges. I have called the Bank a total of five times now. The first I was told to call back during business hours, Other times transferred multiple times waiting on long hold times and never getting to file my claim.

I am currently on hold for the fifth time right now. I have been transferred twice and still have not spoken with anyone who can take my claim. At this point- today only- I have been on hold for 45 minutes and gotten nowhere.

All told- I have been on hold trying to resolve this four about four hours.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX & XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX   Date : XX/XX/XXXX XXXX  Date:XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX   XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

I have sent Contract Callers Inc a letter requesting validation of a debt they claim I owe. I asked for a contract bearing my signature agreeing to pay the debt. Contract Callers Inc sent me a letter and statements showing no proof or contract with my signature agreeing to pay the debt back. If they was able to get a statement from the original creditor than they should be able to get a contract as well. Therefore this debt in not valid and must be removed imminently. I offer to pay for deletion if they were able to prove this debt was mine and heard no response from Contract Callers Inc. please delete this account as soon as possible
Consumer complaint received 2019-10-26
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)

IhaveanaccountonmycreditreportforEquifaxthatisnotmyaccount.Thisaccountwasopenedupwithoutmyknowledgeandisfraudulent.Theaccountislistedbelow.

XXXXXXXXintheamountofXXXX
Consumer complaint received 2019-10-26
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. (MS)

Over 90 DAYS ago, I initiated a dispute to Equifax, to investigate the ACCURACY of ALL information in the closed XXXX XXXX/XXXX Charge Account reported on my Equifax Credit Report ( See Attachment-3 pages ). I HAVE NOT RECEIVED a reply from Equifax concerning this dispute ; In fact, this disputed XXXX   XXXX/XXXX Charge Account still shows Consumer disputes-reinvestigation in progress on my Equifax Credit Report ( Refer to page 2 of Attachment ).
Consumer complaint received 2019-10-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX , XXXX  , XXXX  and XXXX
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

The gift card has never been used and had a value of {$50.00}. I tried to use the card and it was rejected. I contacted the bank on three separate occasions. After the first call the balance on the card went from {$0.00} to {$8.00}. No determination or further adjustment was made after the two subsequent calls. The changes in the balance were due to non use fees. It is my understanding that these fees are not permitted under California law. The expiration date on the card is XX/XX/23. The card number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

In XXXX I filed for chapter XXXX bankruptcy protection. I came to an agreement with the Federal Trustee to voluntarily agree to a dismissal of discharge. I have sent this documentation from the Federal Bankruptcy court Massachusetts Division to Equifax in two complaints. One complaint was on XX/XX/XXXX and the second on XX/XX/XXXX. I stated that the bankruptcy was being reported by Equifax as Discharged. It has not been discharged and no debts were discharged. They continue to not agree with the documentation from the Federal Bankruptcy Court Massachusetts in XXXX.
Consumer complaint received 2020-11-28
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: CITIBANK, N.A. (WI)

XXXX  has refused to correct entries in my credit report incorrectly stating that my CITI XXXX  XXXX XXXX Account Number beginning XXXX XXXX XXXX XXXX is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to Citibank, and XXXX directed to XXXX  XXXX. Citibank, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX XXXX attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, XXXX  letter dated XX/XX/XXXX XXXX attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by Citibank, the creditor here. Citibank is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of Citibank 's records. Citibank concluded no delinquency occurred. Both XXXX  and Citibank are bound by Citibank 's representation. Indeed, no delinquency occurred and this improper refusal by XXXX  motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my XXXX  report be corrected to show I have no delinquency for the account in question. XXXX  is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.
Consumer complaint received 2019-10-25
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: CITIBANK, N.A. (MD)

I have had a Citi AAdvantage Platinum Select credit card since XX/XX/XXXX, if I remember correctly. One of the benefits promised by this card is a {$100.00} voucher for XXXX XXXX, awarded annually as long as you met a {$30000.00} spending threshold within the account year and renew the card for another year. It has recently occurred to me that I have not received this benefit since XX/XX/XXXX. I have spoken to a friend who has the same card and he too has not received this benefit in recent years. I have contacted the credit card company via their online chat, their corporate XXXX account, and their call center on XX/XX/XXXX to seek a resolution : they have been unable to determine when my last voucher was issued and have been told to initiate a dispute with the airline and transferred me to the airline. Since my credit card is a deal between me and Citi, I believe it is their responsibility to resolve this situation.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Lexis nexis, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2022-01-06
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. (GA)

XXXX continues to report a late payment on an account that was complete in XX/XX/XXXX. Equifax, continues to report this account which should be closed. Calling Equifax, results in disconnection. 
XXXX reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.
Consumer complaint received 2019-10-24
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.
Consumer complaint received 2019-03-08
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: LEXISNEXIS (GA)

To whom it may concern, my information has been compromise in equifax data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Consumer complaint received 2020-11-28
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)

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (OK)

I recently checked my credit report and found that someone had been applying for something in my name. I have already notifi ed the creditbureaus regarding a fraud alert. These are the two inquiries that I located that are unverifi ed and unauthorized : 1. XXXX  Date of Inquiry:XXXX XXXX. XXXX Date of Inquiry : XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help
Consumer complaint received 2020-11-28
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. (CA)

XXXX XXXX  was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XXXX 2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Consumer complaint received 2017-09-25
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

I been having problems with NAVIENT XXXX saying I still owe them after being approved and threaten to garnish my XXXX and XXXX Income and them giving me different names associated with NAVIENT attached is a release from and discharging my payments furthermore it has impacted my XXXX reporting agencies while working on repairing my credit I have gave them my permanent and total XXXX discharge and they have not honored it and NAVIENT still raising interest last year in XXXX they threatening to mess up my credit if I did n't pay and somehow got my number and address without my knowledge requesting new information on XXXX of XXXX, I send the approved XXXX letter I received and they are still not cooperating. The XXXX school I attended also mislead me and their no longer in business with no job
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2019, PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " XXXX '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I I was using PayPal. to purchase an app on the XXXX XXXX XXXX, and then they suddenly restricted my accounts, preventing me from withdrawing or sending money. They request my valid ID, bank statement, and business information, which I am unable to supply. I seek their assistance, and they advise me to compose a letter stating why I am unable to provide documents, which I have done and submitted. Then, on XX/XX/2021, they permanently restricted my account, and I am unable to communicate with them. It is affecting me a great deal as i used Paypal quite frequently, My email link to my Paypal account is XXXX XXXX
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Paypal wont let me take my money off my account they have been holding down my money for over a year, i tried multiple times to fix this then they told me to place a call which i did and i was told a check would be sent to my address and they never send it, and i kept calling and calling the just keep whining! payment was received in my paypal account XX/XX/2020 email linked to my paypal is XXXX XXXX
Consumer complaint received 2019-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hi, I opened the saving account at Chase bank, with the promotion ( deposit XXXX in 20 business days, and keep it for 3 months to received XXXX . And if I meet both checking and saving bonus requirement, I will get XXXX $ extra ). When I transfer my money from XXXX XXXX XXXX to Chase, they closed my saving account and locked my online access. They ask me to make a 3 way call with Chase and XXXX  XXXX XXXX to verify I am the account owner with XXXX  XXXX XXXX. After it they unlocked my online access, but Chase told me the saving account is closed, so I will not be able to get the bonus. I called and message Chase, they told me they can't do anything about it.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd. (NV)

I have reached out to this agency in regards to an alleged amount {$250.00} owed by myself. I asked them to itemize the debt on top of provide my signature with me giving my medical provider permission to share my information with a third party. This is a HIPPA violation. None of these documents have ever been reported back to me.
Consumer complaint received 2019-06-02
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (OH)

Navient placed 3 late payments on my credit reports. My loans were in deferment during this time which I explained to Navient. They responded by saying that they were not in deferment, but could not furnish me any reason or proof as to why they were not in deferment during that time. I returned to school the month that they started reporting my payments as late. I wrote them a good will letter and also stated that this must have been a mis-understanding and that it should be corrected.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with Equifax and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Banks have a know your client policy .citibank to be exact i was issued a check from my annuity.money was on a check for XXXX dollars .citibank has had the time to find out how and who fraudulently endorsed a check .my check .the name is on the check and all of the required information.i was suppose to recieve the check XXXX XXXXive complained to the annuity department in the month of XXXX saying i didnt recieve a check .during a jobloss from XXXX XXXX.im tomd in XXXX someone cashed the money ... no identity of the person that signed the check.of the teller or where the check was cashed.i was tomd to contact the olice dept.and still the same results never changed a single thing.so far no money .my pension savings no money has been reimbursed ... citibank has not held anyone liable as of yet and i have been without my funds since it was issued XXXX XXXX2020.funds have not been recovered at all ....
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

Due to Covid 19 I have been unable to pay not only this loan but other bills such as mortgage light cable .It has not only been difficult but very depressing and hard to deal with.I am not asking for sympathy but empathy .For me to start building and growing again.