davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
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)

I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.
Consumer complaint received 2017-11-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (FL)

Back in XXXX XXXX 2017 I enrolled in online courses with XXXX University 's online division. My financial aid was denied and I was told my classes would be dropped to avoid a charge. One of the classes was never dropped like it should have been and now I am being charged for said class
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RC XXXX Balance {$560.00}
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASG Solutions LLC (NV)

This person Mr. XXXX XXXX keeps call from an annoymous number ) leaves a voicemail with a call back number of XXXX. I told him they need to mail me proof of what is talking about. I have asked for his company information, business license etc. which he refuses to give. Have asked him 4 times to not call me at work. Which he continues to do. Call XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Told him today again to stop calling, I have not received anything via email. I said to stop calling me at work, he said I can't do that. Threatening that his next step is to file in my county. Again, I have never done business with this person. Very rude and again keeps calling me at my place of employment.
Consumer complaint received 2020-10-14
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: Experian Information Solutions Inc. (FL)

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, THEY REFUSE TO INVESTIGATE MY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

ADDITIONALLY, THE XXXX XXXX XXXX IS REPORTING ON MY ACCOUNT AS A CHARGE-OFF AND WAS RECENTLY ADDED AS A " NEW COLLECTION '. THIS TOO GOES AGAINST FCRA PRACTICES. PLEASE DELETE THIS FRAUDULENT ACCOUNTS FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Trust Management LLC (TX)

These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (GA)

Received a letter dated XXXX from Chase bank asking us to contact XXXX to allow Chase to access credit report. The number on the letter is XXXX. 

My Mother 's name is XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. She died on XXXX 

I called Chase and they refused to take the research the above number. I called the above number and someone answered requesting my SS number. I am confident it is fraud because no reference number is on the letter. 

I called XXXX and they wanted death certificate plus all of my information but it appeared they were not interested in pursuing fraud. 

Someone filed a false tax return for my mother for XXXX.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking account with Chase bank in XX/XX/2020. Chase bank had an offer of {$300.00} if a direct deposit of {$500.00} or month was made. The direct deposit had to be set up within 45 days or something like that. I transferred my XXXX monthly retirement check over to Chase which met this requirement. The {$300.00} from Chase was declined because now they say it has to be a social security or employer paycheck. My XXXX  retirement check is from the state of Texas. It takes the place of social security.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.
Consumer complaint received 2017-11-01
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: Experian Information Solutions Inc. (FL)

Experian refuses to state in my credit report that the debt initially reported by XXXX XXXX XXXX is actually paid. The XXXX balance of the debt sold to another in no way actually indicates that the sold debt by XXXX XXXX XXXX was actually and subsequently paid by me. 
In addition, contrary to the existing laws, in XXXX of XXXX Experian allowed XXXX XXXX XXXX to update the information on the debt XXXX XXXX XXXX no longer has owned since the year of XXXX. Experian refuses to post the information that I paid the debt in question to the new creditor XXXX XXXX XXXX on XXXX XXXX, XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally refile a complaint regarding serious inaccuracies present in my EQUIFAX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EQUIFAX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EQUIFAX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2022-10-05
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on SPRING OAKS CAPITAL LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

I have a Chase Acct. 
I have it set so that if I have overdrafts, it alerts me. 
The feature seems to always reset I know that Chase allows one reversal overdraft ( that I know of ) per year but it happens every time. 
Initially, I think its my fault bc I dont always check that account so Ive accepted the other draft fees. They add up. 
It happened again today ~ I am minus {$4.00} and no alerts. I now wonder XXXX How many times has Chase collected overdraft fees based on a feature that seems to reset itself and unsuspecting customers get charged the {$34.00} or more if they dont realize it the same day
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

Enhanced recovery keeps trying to bill me for XXXX in the amount of {$650.00}. I returned all of dish network equimpment which they are saying they never received. They're playing that game & trying to make money that I do not owe. The other collection agencies gave the account back to XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

My Equifax credit score dropped to XXXX on XX/XX/year>. This is completely incorrect. I called Equifax and the representative told me that everything on my account was clean, I had no credit inquiries that were incorrect, and nothing new on my account. The " reason '' given by XXXX ( who notified me of the rating ) was " over utilization '' of available credit ( on credit cards ). It was 36 %, and now it is near XXXX, because I pay ALL of my cards monthly ( and sometimes during the month ), and never have account balances carried over. I have paid off my mortgage and cars ( years ago ). I have no other debt. I have no late payments. I have no foreclosures or leins. The Equifax representative informed me that I needed to contact the Consumer Financial Protection Bureau, that he could not help. 

My credit rating with XXXX and XXXX ( FICO scores ) vary from XXXX to XXXX. They have not significantly changed in years. 

I attempted to contact XXXX XXXX, the company responsible for the low and incorrect rating. I sent an email, with no reply.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I have a citi card with a 0 apr promotion that expires on XXXX XXXX XXXX. I made a payment of {$800.00} to pay off the balance so that I would not be charged all the back interest. My payment did not go to that promotion. XXXX from Florida informed me that my payment does not apply to the 0 apr. It will be applied to the purchases that incurred after the balance transfer. So on XXXX all the interest that would have incurred during the promotional period will be applied to my balance. Its not right. I really need advice on what to do. Thank you.
Consumer complaint received 2017-11-01
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. (CA)

On the month of XXXX XXXX, we made many transaction, purchase and return, so when the statement came, we called the Citibank Visa asked the agent over the phone, what the the balance to pay off the account, they told us {$2700.00}, so we did the same amount. 
then XXXX XXXX bill came, my account showed the interest charge, so We called the Citibank visa, asked the same question to pay off the balance, they told us {$2200.00} so We paid that amount. 
XXXX XXXX statement came, there is again interest charge showed, we only made {$570.00} purchase but the balance showed all almost {$1500.00} So we called many times agent and supervisor keeping saying that they will call back, but no one called, so we file the complain online, finally one person named XXXX from XXXX office called she said she will call back, but by now still no answer
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TX)

I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. 
XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. 
XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX  that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, XXXX, Equifax inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, Equifax XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXXXXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.