davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am a natural person, Im living human being, I have rights under 15USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give Equifax written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the Equifax Credit Breach XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX
Consumer complaint received 2022-09-03
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: Credit Karma (FL)

I have an account with Credit Karma, who after logging into my account, showed me the credit cards that I would be approved for, based upon my credit score. When I applied for the cards, I was declined, and the hard inquiry hit lowered my credit score. 

This happened several times, over a long period of time.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 XXXX XXXX  XXXX  XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act 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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act 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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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 2015-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AR)

Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

I have not received a statement for the months of XX/XX/2022 and XX/XX/2022. This is my third request for the XX/XX/2022 statement. Please forward the XX/XX/2022 and XX/XX/2022 statements. 

Also I still can not access my account online. There is an issue with the system on your end. I can log on but it says my account data could not be verified. Please see the attached screenshot. Thanks
Consumer complaint received 2022-09-03
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. (FL)

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service XXXX MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information. 
15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Consumer complaint received 2022-09-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

Affirm claims I didn't pay a debt, which I did. They claim they sold my unpaid debt to XXXX XXXX, who never contacted me or gave me a chance to dispute the debt. I contacted XXXX XXXX who said they don't have the debt and it is with Affirm. Affirm repeatedly tells me that they don't have the debt and its with XXXX XXXX. Meanwhile, they are reporting this on my credit report and they are refusing to allow me to pay it ( even though I dispute it ). I have been denied credit because of this.
Consumer complaint received 2022-11-07
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

Our company is a manufacturer of tin cans for paint and twist-off lids for the food industry. 
Between XXXX " XXXX XXXX '' XXXX, XXXX, XXXX region, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Room XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supply contract was concluded XXXX dated XX/XX/XXXX. for suppling tin for producing lids. Pursuant to this agreement, on the basis of the invoice XXXX, in favor of XXXX XXXX XXXX, from the account XXXX XXXX " XXXX XXXX '' XXXX. XXXX ; XXXX  ; Bank XXXX XXXX XXXX XXXX XXXX currency payments were transferred, the payment currency is USD, in accordance with : - PAYMENT ORDER No. 3 dated XX/XX/XXXX - XXXX - PAYMENT ORDER No. 2 dated XXXX - XXXX According to the latest information provided by Bank XXXX XXXX which we have, the money is blocked by the bank - XXXX BANK XXXX XXXX meanwhile, according to the response from XXXX BANK XXXX XXXX XXXX XXXX it was returned to JP MORGAN CHASE BANK N.A . 
Meanwhile, JP Morgan CHASE BANK N.A. does not return funds, because Bank XXXX BANK is under sanctions. 
We sent a request to XXXX, but we received a response : We can not locate a record of the funds described in your correspondence as being blocked. It was suggested to contact the bank that blocked the funds. But the bank refuses to talk to us because we are not their client. 
We ask you to assist in claiming information from JP Morgan CHASE BANK N.A., about blocking our payment in XXXX.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

Hello. I'd like to file a complaint regarding my recent international wire transaction of {$50000.00} through Chase for XXXX. 
Now I have to pay a late fee of {$2500.00} because of the Chase mistake. 

I initiated this transaction on XXXX, XXXX 2022. 
After a week, when a recipient told me he still hadn't received the money I contacted Chase over the phone for the first time. A bank representative sent me to the " secure messages '' system and told me to send a request to your internal team. They replied that the money was successfully sent. 
During the next 2 weeks, I contacted Chase several times and representatives were convincing me that the transaction was sent until they finally admitted that the transaction was still reviewed by the Compliance Department. They requested some additional information about a recipient which I provided. On XXXX, XXXX they sent me a message that the money was finally sent. 

In XXXX, since the money still wasn't received I contacted Chase again about 4 times asking them to track the transaction or provide me with a tracking number or a XXXX document. Nobody provided me with this information, I was sent to several different departments over the phone and every time waited for 30-40 minutes on the line after they just hung up on me. 

On XXXX I came to a Chase branch because I was told that they could provide me with a XXXX  document to track the money. 
I spent there 3 hours and after that, I was finally told that the transaction still wasn't sent because their internal department forgot to send over the additional information I provided to an intermediate bank. 

My business partner only received the transfer on XXXX, XXXX because of the Chase mistake. And now I have to pay a late payment fee of {$2500.00}.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (KY)

15 usc 1692c ( a ) Didnt give this company my information No contract stolen information 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-09-03
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)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

I have no knowledge of this account. I am an XXXX XXXX XXXX XXXX and during the time this account was opened I was on XXXX. 
I have opened a dispute with CitiBank and emailed their Corporate Offices and have received no response. I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. 

I hope that you will deeply consider my request and I thank you for your time in advance. 

Very Respectfully, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycardus.com gave me a XXXX card with 18 months no payments, I had the card for a couple months with no useage, usage, then I put emergebcy vehicle repairs on the card for XXXX XXXX and made a payment of {$500.00} when my payment due was {$0.00}. The credit company within 1 week decreased my limit from {$10000.00} to {$6400.00}. Which ruined my credit utilization and then my other credit cards did the same thing even when I had only 20 % utilization on other credit cards... 
Then every payment I made to Barclaycardus.com, they decreased my total available credit limit to match how much I paid down. I had a balance of {$4100.00} then I got a call from Barclaycardus.com... they said they were going to close my account because I was at 100 % utilization. So they closed my account and I have made payment while the account is listed as a charge-off.. They still charge me interest like the account is open and late fees constantly with no paper or digital monthly statements. 


They won't settle the account and won't reactivate my account.. 
I have now paid {$18000.00} and lost XXXX XXXX XXXX points because of a {$6500.00} car repair and for believing that Barclaycardus.com was a reputable company.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CO)

Capio Partners have added a medical debt to my credit report despite not sending any communications. I do not recognize this debt and dispute it. Capio Partners is clearly a dishonest company and needs to be fined off the face of the earth.
Consumer complaint received 2022-09-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-03
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: Data Mortgage Inc. (GA)

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See Essex Mortgage Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - DATA MORTGAGE XXXX : XXXX - ESSEX MORTGAGE COMPANY : XXXX
Consumer complaint received 2019-11-29
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. (NJ)

Hi I recently closed my credit card account. I was told I would retain access to thank you rewards for 60days, but my access was revoked. I am still in the 60 day period. 

Secondly the thank you rewards website says cash redemption of points is $ XXXX XXXX, but customer service insists it's XXXX points. See screen shot from your website, this website is publicly available on XXXX, but Citi denys this offer and insists on double points. 

I have don't the following to resolve : -Called 4 times gone upto manager level to make them understand but they won't listen -asked the XXXX team to step in but to no avail, they ended up calling me and transferring call back to the thank you rewards customer service.