davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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. (MO)

I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (CA)

I've contacted JP Morgan Chase Bank multiple times, I also contacted the Credit Bureaus on XX/XX/XXXX and again on XX/XX/XXXX. JP Morgan Chase has been unresponsive and they continue to report a charge off balance due on my credit report when I filed for Bankruptcy protection on XX/XX/XXXX.
Consumer complaint received 2020-09-07
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. (VA)

I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (NY)

I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.
Consumer complaint received 2021-02-23
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: CBC Companies, Inc. (IL)

I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to factual data to file a dispute that I was told by factual data that could take 30 days. I was not aware of the Inquiry by factual data nor did I apply for anything online. When I received the report from factual data to remove this Inquiry from my Credit report that I did not authorize. I was denied. Then I was informed that the factual data report was authorized by a company called XXXX XXXX. Then I was informed that this was a Mortgage loan from Online. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry, and information removed from my Credit report from Factual Data.
Consumer complaint received 2020-07-07
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: Klarna AB (NM)

I did not open this account. I notified Klarna and they have not been able to resolve this issue. I have contacted Klarna several times. The charges on this account are {$460.00}. 
My identity was stolen in XXXX of 2019. I have a police report.
Consumer complaint received 2021-02-23
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. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-28
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. (AZ)

Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax customer service are unable to locate my file based on true and accurate information provided on my part. This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. Thank you.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (MD)

This is a complaint against XXXX XXXX XXXX XXXX XXXX, who collects debt on behalf of the state of DE. Facts and details supporting my claim follow below. -Debt originates from an alleged toll violation in DE on XX/XX/XXXX at XXXX. DE said that I did n't have an XXXX. I did. The toll amount was {$4.00}. -The first notice I have of the violation is dated XX/XX/XXXX. The amount on this notice was {$29.00}. -I had moved from XXXX to XXXX to be with my wife, who is on XXXX XXXX XXXX in XXXX. -The second notice I have is dated XX/XX/XXXX. The amount on this notice was {$66.00}. -Due to my move, I may have recieved both notices at once. I do n't recall. -I appealed. -The response to my appeal is dated XX/XX/XXXX. Confusing because of the dates, but amount owed is for {$29.00}. -Reason for denial was now different. It said I did not prove I had a positive balance at the time of my alleged violation. My account is linked to my credit card. -XXXX turns me over to a debt collector, XXXX XXXX XXXX XXXX. The first notice is dated XX/XX/XXXX. -I called to dispute the debt on XX/XX/XXXX, and was told I could not dispute the debt. After arguing that I could, the representative told me that I could waste my time sending in a letter, but that I could n't dispute via phone, which their notice to me said I could. The representative also said she could read me the response I would receive, and that it did n't matter what I said. -I mailed a letter on and dated XX/XX/XXXX. -I recieved a generic response, likely the one the representative referenced in my XX/XX/XXXX call, validating my debt. -XXXX XXXX XXXXXXXX, XXXX. Has violated the Fair Debt Collection Practices Act by not allowing me to dispute the validity of my debt.
Consumer complaint received 2020-09-07
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. (NC)

The following fraudulent accounts are still appearing on my Equifax credit profile : ( no name ) Account number XXXX {$92.00} ( no name ) Account number XXXX {$83.00} ( no name ) Account number XXXX {$58.00} ( no name ) Account number XXXX {$0.00} ( no name ) Account number XXXX {$0.00} I disputed these accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent accounts are still on my Equifax profile.
Consumer complaint received 2021-10-07
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)

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I attempted to use my main bank ( PNC ) to use a budgeting, and payday loan app called XXXX. When doing so, it was made apparent to me the PNC no longer supports this type of app. This happened on XX/XX/20. This makes it so I am ineligible for this type of app or service, due to PNC blocking my ability.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I was charged {$500.00} as a good faith with JP MorganChase to continue with a mortgage application. We made an offer on a home and that home fell through. 
When we made an offer on another home, I was asked for another {$500.00} for the next application and charged on XX/XX/XXXX. 
I was explicitly told that the first {$500.00} would be refunded to me. This call and all calls are recorded with Chase and they do have these calls on record. 
The Chase lender I had this conversation with was : XXXX XXXX | Home Lending Advisor | NMLS ID XXXX On XX/XX/XXXX, after not having received the refund, I followed up in an email to XXXX and he replied that it needs to go to a manager and then his manager. 
Today on XX/XX/XXXX I was told that the refund was denied and that he had hoped that because of my relationship with Chase that the refund would be approved and that did not happen. 
My complaint is that I was not told that there is a chance it will not be approved. I was told on a recorded phone call that I will be refunded the {$500.00} charged on XX/XX/XXXX.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I just noticed that in2016, Citibank paid consumers because of fraudulent activity with Credit Card Protection. They are doing that same thing to me, now. I took the Protection, and just today find it is through XXXX XXXX XXXX. Between 2016 and today less than {$600.00} has been paid on the acct. I called Citi, they will send a statement from 2016 but said acct has gone to collections, how can that be when I still pay for protection. They will not permit me to have access to this acct on line, and I tried two years ago and they said no. Wont send me an up to date statement and XXXX XXXX wont say what they pay or what I am paying them for this Payment Safeguard program. This is Fraud. Someone needs to go after them again, this consumer seems to have no rights. I am to the point I am not going to pay Citi, unless I get answers. Can you help.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

To CFPB, On XX/XX/2018 we received a notification from XXXX XXXX that a company called XXXX XXXX had placed an account with Equifax for {$230.00} which we thought was strange because we NEVER received any notification from them letting us know of this debt, obviously bogus or else we would have received a notice. As you know I have had XXXX XXXX going on and this type of behavior on the part of Equifax makes it worse as they know that we are supposed to receive notice from anyone claiming we owe them something, its FEDERAL LAW. Now the law has been violated and there WILL be consequences.
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (NY)

On the date of XX/XX/2020, I was charged {$120.00} by transferwise for a " cash advance ''. Transferwise never disclosed that I was being billed for a " cash advance ''. I never received the services from the merchant that was sent the {$120.00} payment, so I can not dispute this charge with my credit card company because I was never told this charge would be treated as a " cash advance ''. I attempted to call Transferwise customer service to explain the issue and they stated that they could not help me since their company does not support disputes.
Consumer complaint received 2021-02-23
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: PlusFour, Inc (TX)

I've contacted this company, I haven't been able to get ahold of anyone. I've never been to this Radiology company. You can compare my social security number to the social on file with this company as well as my date of birth. Nothing will match, I believe this file may be mixed up with someone else. I've done done business or had any services from this business.
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (PA)

On XX/XX/XXXX, I went to Enterprise Car Sales in XXXX, PA to purchase a vehicle, XXXX XXXX XXXX. I filled out the credit application prior to so they can ensure that I was able to get a car loan since this is my 1st car loan. XXXX from XXXX XXXX XXXX  in XXXX, PA then connected me with Westlake Financial Services. Westlake financial services offered me a loan with a down payment of {$2600.00}. My car payments roughly would've been {$400.00} a month, which is what we agreed to. On XX/XX/XXXX ( Almost a month into the contract ) XXXX from XXXX Car Sales call me and states that Westlake Financial Services was not able to finalize the car loan just yet. They asked me if I can provide {$3000.00} more that day, I told them I do not have {$3000.00} more just out of the blue just to give you when we agreed on a {$2600.00} down payment. They claim the reason for this was because my credit score was not high enough? Which is what I am confused about. They showed me my credit score and I signed the papers from Westlake Financial Services, so we mutually saw my credit score and agreed to my rate. Westlake Financial Services claim that they " found more credit '' ( my name was legally changed years ago ) and without the higher down payment then I would have to return the vehicle. I'm just confused because my social security number never changed? Just my name. People change their names  everyday for various reasons. Since I am an identifying XXXX   XXXX and my previous name was a male name, for some reason they start referring to me as " sir ''! I'm just unsure what to even do.
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: FRESNO CREDIT BUREAU (CA)

I have a medical collection on my credit report. When I asked them to verify the debt they violated my HIPPA Privacy by supplying private details that I did not authorize to be released.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. 
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

After pass few months of not being provided with my account monthly statement by Wells Fargo bank I complained on the branch I use to deposit and visit frequently. At that branch I received computer copy of my transactions non officials statements from the Wells Fargo headquarter which from time to time show different information from the statement provide by the branch at XXXX of XXXX XXXX. it has been the main reason because my claims or allegation some times are late, for instance in order to have the year XXXX and XXXX statements I had to call the bank too many times and finally ending the year XXXX I received copies of the three years on the branch. on XX/XX/XXXX I notice an unusual withdrawal, agree to the bank statement per an amount of {$5000.00}. since I have been auditing my Wells Fargo bank account and I found the fact that my account has been vulnerated from the year XXXX through the year XXXX for instance, in XXXX XXXX, XXXX the bank charged my account {$3200.00} for a withdrawal in branch store at XXXX XXXX XXXX. I rejected such a transaction. In XX/XX/XXXX my account was charge per an amount of {$5000.00}. I had rejected that charges on my account because I did not make those draft. I have contacted the bank for more than 30 charges the bank has made on my account since XXXX through XXXX. I had complained but the bank is not paying attention to my complaints, the personnel take some notes and the following day it send me a letter rejecting my claim the bank is mocking on my claims. I have the document which support my allegations and I am able to summit them to any investigation before an impartial governmental institution or regulators.