davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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)

The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under..

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

On XX/XX/2022 I received the following text ; " Please contact MRS Assoc. at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : XXXX XXXX XXXX  '' There is no indication what XXXX  company is involved, nor is there any information provided to indicate the account belongs to me. The debt is not mine.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received an alert from MYFICO.com that prompted me to contact Transunion by phone on XX/XX/2022 regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still reporting. I have since called back and the agent I spoked with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : XXXX  XXXX XXXX XX/XX/2022 Please remove this offending unauthorized inquires from my credit report.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

I was separated from my husband and didnt receive a bill for one of our sons ER visits. We are both responsible for his hospital bills but it ended up on my credit report. Ive tried to dispute it with the credit agency and collection agency. I paid the collection as soon as I found out about by pulling my credit report. Which was by also getting money from my ex as he is just as responsible. Its only because my son is on my insurance that it was under my name.

This is the only thing on my credit report EVER. Before this my score was in the 800s. Now its in the 600s and causing issue when I try to buy a home.

I just dont think its fair that this is impacting me when if I knew, I wouldve paid immediately. 

XXXX has already removed it from my report. Im asking for help in removing from XXXX and XXXX as well. 

XXXX XXXX {$630.00}, reported XX/XX/15 XXXX XXXX {$960.00}, reported XX/XX/15
Consumer complaint received 2018-10-25
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. (OH)

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I spoke with a Chase Customer Service Representative, he asked me the reason for my call. I explained to him my issue regarding the multiple overdraft fees that were placed on my account. He informed me that he would make request to waive the overdraft fees. However, he then stated that he was unable to do so due to a limit that they have set. Afterwards, he connected me to who he introduced me to as his supervisors. She didnt seem like she had my best interest at heart as the customer, she was also very adamant about this limit that was previously mentioned. When I asked several questions she refused to answer them and told me if there isnt anything else she could help me with then goodbye. I have banked with Chase for years and I noticed a pattern in how they place overdraft fees on my account. They stack up them up last minute, thus gouging me for as much funds as possible. This same practice is what lead to the Class Action Lawsuit in  2012. Im a XXXX XXXX XXXX that definitely needs the funds that work hard for and I dont believe costumers should be treated this way.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (AL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were 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
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

If you know someone's email address, You can go to https : //www.paypal.com/signin and select " Login with one-time code ''. If that person has an account with PayPal, PayPal will in response give you the first and last four digits of mobile number associated with that account : XXXX Then PayPal will text a 6 digit login code to that phone number and allow you to login to that person 's PayPal account using only that 6 digit code. 

This one-time login code bypasses any two-factor authentication you may have setup. 

I received two text messages from PayPal this morning from unknown person trying to login to my account using this one-time code process. 

What XXXX  designed this totally insecure login method that reveals half the digits to my phone number to anyone who knows my email address? How many people will have their PayPal and other bank accounts compromised because of PayPal 's stupidity?
Consumer complaint received 2017-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!
Consumer complaint received 2018-10-25
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: SYNCHRONY FINANCIAL (AR)

I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed. 

1. XXXX XXXX XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. Syncb /XXXX XX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. Syncb /XXXX I did not apply for this, I don't even fly.
Consumer complaint received 2022-10-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

XXXX was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX as I advised XXXX that these are Fraudulent accounts XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX is being negligent in follow consumer laws and FCRA laws.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following transactions were fraudulently committed and when the dispute was created, it was denied. 

XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$39.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$55.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$44.00} XXXX XXXX XXXX XX/XX/XXXX {$41.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a Sears credit card. I do not own a Sears credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. ()

I have an account with Citibank XXXX. Transferred XXXX on XXXX XXXX to my own account in Citibank XXXX. 
The amount has not been credited to my account in XXXX.
Consumer complaint received 2022-07-25
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. (TX)

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

On or about XXXX XX/XX/2022, which was the closing date of the refinancing of our Mortage the cost now is more than the last XXXX previous mortgages, ( XXXX ) when I brought this up doing closing, I was told this was escrow in which taxes and insurance is being paid XXXX is escrow, however I pay my own insurance out of pocket. That was told to customer service and all I received was that they the mortage company pays for my insurance. I don't want the mortage company paying for something that I am paying for already that is what is in dispute, plus I was told when I did the refinance that my mortage would be just XXXX more than my previous mortage. The numbers don't add up when I brought this to the attention there is nothing that the company can do which is no answer to me.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received an alert from XXXX that prompted me to contact Transunion by phone on XX/XX/XXXX regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still being reported. I have since called back and the agent I spoke with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : 1. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX XXXX XXXX XX/XX/XXXX ) Please remove this offending unauthorized inquiry from my credit report.
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I have been making payments for my property taxes for the leased vehicle XXXX XXXX since 2017. KIA Motor finance assumes this payment is NOT being made and demanded to make the payment in excess of {$2400.00} for all the previous years. I have shown them the payments made over XXXX County VA website for the same vehicle. I have gotten no response from them. They demanded me the entire amount else report to Credit Bureaus. I see a comment made on few credit bureaus that this account is past due. 
Please help me. I have evidence related to payments and email communication Attached are the two files.
Consumer complaint received 2022-04-25
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. (PA)

I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2018-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (GA)

I have attempted to sign up for automatic debt with XXXX XXXX several times. When you select Auto Debt Enrollment on XXXX XXXX 's online payment website nothing happens. I called and spoke with a representative who enrolled me in Auto Debit, and the next month, I received a notice of late payment. I checked my account online, and it says that I haven't enrolled.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I went to a chase bank ATM branch I deposited over XXXX $ I got a receipt from the ATM for deposit confirmation but the money didnt show up in my account I called the bank claim department they told me that they didnt find the money I gave them a proof of that they money has been deposited in the ATM but the money is not in my account they refuse to credit the fund in my account after showing them the receipt. Im asking a trial against the bank to get my money back
Consumer complaint received 2022-08-01
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. (MI)

I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX/XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # # # # # # # 2018 {$220.00} XXXX XXXX  XXXX xxxxxx XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I have an account with Zelle via my banking institution, XXXX XXXX. Someone else fraudulently set up an account using my phone number, which locked me out of my account and also allowed them to potentially receive money sent via Zelle to my phone number. I spoke with both XXXX XXXX  and Zelle. XXXX XXXX  is unable to handle the fraudulently created account because they do not manage Zelle accounts outside of XXXX XXXX  Zelle accounts. Zelle claims it is not their problem because I use Zelle via a bank. I am uncertain if anyone has used my phone number to request payments or collect funds because I can not access my account. The only solution Zelle offered was to link my account to my email address and discontinue use of my phone number. This is worrisome because friends and family use my phone number to send me money via Zelle. I can not be assured that someone else is not collecting those funds.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

On XX/XX/22 I authorized Macy to debit my XXXX checking account to deduct XXXX for my Macy platinum card to make payment for a special 24 month special events purchase. I did not receive a statement through the mail and is due each month on the XXXX. XXXXXXXX XXXX checked with XXXX and they stated Macy had not debited my XXXX  account. I was on the phone for it seemed an hour and was transferred 3 times and put on hold a 4 th time to be transferred once again in which the special services rep said their is a credit issue in which he would transfer me to the credit department. I agreed to be transferred but I was disconnected on purpose. My credit score is XXXX and I do not this blunder by Macy to effect it. Furthermore, I will now be charged a late fee and to also Macy charged {$5.00} to make a phone payment which is unheard of. Please help by texting or by phone as to what I can do to or how you can help me to correct this matter before it rolls into a huge credit issue for me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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. (CO)

I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.