davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-09-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, around XXXX, we noticed unusual activities on our Chase checking account ending XXXX. We called to report the incident but the Fraud dept was closed for the day so we decided to go in person to Chase bank branch, XXXX XXXX XXXX XXXX, XXXX XXXX, but was advised to call their XXXX # that handles fraud claim. Once we settle the issue, the bank decided to temporary close checking acct XXXX and open a new one ending XXXX and refunded all the missing funds to this new account. On XXXX XXXX, we received a notification that we XXXX {$2000.00} from the new checking account to someone we don't know. We also noticed, there were about 6 names added to the list of my XXXX recipient that we dont recognize, and we are unable to delete these names from our end. We called the bank immediately to inform them that the {$2000.00} was unauthorized transaction and it must be cancelled ASAP while the transaction still pending but their Fraud Dept was already closed. We called the next day and was told it will be investigated. 2 days later, we received an email from Chase confirming the completion of their investigation and according to their investigation this is authorized. We disputed their decision and asked if they can show us proof of their investigation and decision. We waited more than 2 weeks before receiving the letter which states that our claim was denied based upon a review of account activities. We asked if they can provide us more information as to IP, geo-location, manner of authenticating login, etc. But, was told their decision is final and the case is closed. We can file a police report if we wish to reopen the case but there's not guarantees. 

I did not authorize this $ XXXX that was sent to a recipient we did not recognize.
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Disputed with company on XX/XX/XXXX. Company received dispute per updated comment section of XX/XX/XXXX credit report. No communication from company regarding investigation progress or results. Company changed payment history from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX credit report shows 10 months of payment history. XX/XX/XXXX credit reports shows 0 months of payment history. Inconsistent reporting with other credit bureaus. Company responded they updated payment history as of XX/XX/XXXX. Pulled credit report as of XX/XX/XXXX with no update. To date, company has yet to provide DOCUMENTATION of alleged debt which was requested in initial dispute with company on XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (GA)

1. On or around XXXX XXXX, XXXX I sent a XXXX XXXX to XXXX in connection with the earthquake relief. I sent XXXX XXXX dollars using my Discover card. 

2. I was unaware it was considered a cash advance or that there would be a XXXX dollar fee. 

3. The recipient did not pick up the funds after two weeks ; and XXXX refunded the funds to me on or around XXXX XXXX, XXXX 

4. On XXXX XXXX, XXXX  I called Discover Card for a refund of the XXXX dollars. They refused to provide the refund at first saying that they do not provide cash advance fee refunds for refunded associated transactions. I think that's basically and fundamentally unjust and incorrect and improper policy. 

5. They made a one time exception because they agreed I did not even know there would be a fee. Otherwise they would not have refunded the cash advance fee despite the refund of the associated charge.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

The account in question is from a debt collector. I have never had a contract with this agency, and i have informed them as such. I have sent several letters to XXXX in reference to this account. I have asked for any documentation showing that I owe this debt, along with any documentation with my signature on it, and have yet to receive anything at all. They do continue to send me a credit report stating that the account has been verified without supplying the information requested. I might also add that the other two credit reporting agency 's, ( XXXX and XXXX ) deleted the inaccurate information when they could not supply the documentation. I ask XXXX to do the same. 
This debt collector also changes the amount of the debt each month. 
Debt collector : CAPITAL ACCT Acount # : XXXX Original Creditor : XXXX XXXX
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

I've used PayPal for many years. Mostly to pay for goods over the internet, but occasionally to receive or send money to a relative ( especially at XXXX, when we sometimes purchase gifts jointly ). On XX/XX/XXXX my sister reimbursed me for a travel expense via PayPal. I had placed " hold payment '' on a rental car for her when she visited for the holidays. It cost {$550.00}. This time when she tried to reimburse me, PayPal charged me a transaction fee and placed a hold for a period of time on any balance above {$300.00}. They say I have a " business '' account. I explained I am not a business and never have been. So they have now " downgraded '' me to a personal account. But in order to get the funds released immediately for this transaction, they need my sister to input that she has " received '' the goods and services she has purchased. And they say they must still charge me the transaction fee. In the past I have received money from my sister via PayPal. I received {$100.00} from her on XX/XX/XXXX. I was not charged a transaction fee at that time. I went back through my account history and confirmed this. It's not cool that they can now call you a business and charge a transaction fee, even after you correct them. They say there is is a Friends and Family option for sending money. It is difficult to figure out how to use it. I know, because I tried.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I sent a letter to remove personal information and Inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Date Updated : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SAMC Honebee TRS, LLC (LA)

My complaint evolves around a mortgage my sister and brother in law applied for via a company called GMFS. I was asked by my sister to gift them {$17000.00}. I agreed to the gift and signed the gift acknowledgement. I had my bank wire the money as I was instructed. Later, the mortgage company asked to see my bank statement. I provided them the first page which clearly shows my name, address, balance amount and the last 4 of my account number. All corresponds with the wired funds the title company already received. I am being asked to provide the additional 3 pages of my bank statement or else my sister and her husband won't be able to close their mortgage. My complaint is where does my right to privacy come into play. I don't want to show this mortgage company my transactions. It is none of their business. I am not applying for a mortgage nor am I signing as a guarantor for this mortgage. I am just the person who is gifting the money. I have a right to privacy. I have nothing to hide and I certainly didn't borrow this money on their behalf. I am just filing a complaint because I have a right to privacy for a loan in which I am not applying for.
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I emailed Navient two months ago about taking my loans out of forbarrence. They did not. I'm also concerned that they steered my loans into forbarrence without giving me the knowledge of what it was and what it means. I simply want to pay off my student debt it doesn't matter if it takes me 10yrs I would like to see my student loans forgiven.
Consumer complaint received 2022-10-24
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)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

I filed a claim with Chime Bank on XX/XX/2021 for the amount of {$100.00} for XXXX XXXX XXXX XXXX. Chime Bank denied my claim on XX/XX/2021. I followed the procedure to receive the documents used in the determination of the denial. Chime Bank provided me a copy of an invoice with no explanation at all. 

Chime Bank does not properly investigate fraudulent claims. I expressed to them that I do not reside in the XXXX XXXX XXXXXXXX area.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.
Consumer complaint received 2022-10-24
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. (MD)

In accordance with the Fair Credit Reporting Act the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-03
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. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXXXXXX  when this account was paid off and closed XX/XX/XXXX XXXX.
Consumer complaint received 2022-08-02
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. (CA)

after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

In late XXXX I checked my credit scores using XXXX, finding my score reported from Equifax had dropped XXXX points from XXXX to XXXX on XX/XX/2022. The report showed about 10 accounts had been 'Removed ' from the report. The accounts removed were valid active accounts except for an auto loan that was paid off several months ago. I waited until today, XX/XX/XXXX, and checked again - the information ( and my credit score ) had not changed. Both XXXX and XXXX had correct information, all the accounts and my score in the low 800 's. I contacted the customer service number at Equifax to try to get this resolved. I was told I would need to contact each of companies I have accounts with to get them to report my info! I asked to talk to a manger, was put on hold for over an hour and finally disconnected! My husband and I checked his report with Equifax and all of the accounts that had been 'Removed ' on my report were still on his. These accounts are all joint accounts with my name first on some and my husband 's name first on others. We read the article in the XXXX XXXX XXXX regarding inaccurate credit scores having been reported by Equifax. Well it appears they have NOT corrected the problem ( as they lead you to believe in the article ). All I want is correct information so that if I need to use my credit, it reflects the actual quality of my efforts!
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

I have been battling with Citi in regards to an account listed on my credit report without any knowledge of my own. On several occasions, I have attempted disputing this account with Citi asking for verification of debt, however no one within Citi would comply with the Federal Government or with the Federal Trade Commission that regulates the Fair Credit Reporting Act as well as the Federal Fair Debt Collection Practices Act Section 809 ( b ), which plainly states " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Citi is considered the debt collector and letters were sent to their CEO/CFO between XX/XX/2021 and XX/XX/2021, asking for such debt to be verified and they have failed to do such. Only until my most recent conversation had with their Executive Response Unit Representative XXXX, whom agreed to finally send verification of debt after payment was rendered ; so in a sense, I was corned or made to negotiate matters without the debt being properly verified. I have disputed such with all three credit bureaus and neither except for XXXX, have vouched on my behalf to have the account appropriately verified prior to payment being initiated. The Executives or Executive Management Team, have no knowledge as it relates to debt requiring to be verified per the Federal Law that mandates such, prior to any debt being settled. What they have done is completely illegal. This account needs to be permanently deleted from my credit report immediately.
Consumer complaint received 2022-12-22
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. (NJ)

I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-24
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: DISCOVER BANK (NY)

Discover bank is reporting wrongful information regarding a debt that allegedly belongs to me. Ive sent my identity theft report and dispute letters via mail, to no avail. They continue sending me computer-generated answers and statements, instead of removing it. 

The FTC clearly states that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) yet Discover continued violating my rights as a consumer to fair and accurate credit reporting. This discrimination and negligence has been going on for YEARS.
Consumer complaint received 2022-08-02
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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 an account without my written instructions.