davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I wanted to pay my credit card with my checking account on Chase bill pay. I signed onto my account, clicked on pay my credit card, and entered the amount to be paid. Ten days later, I received a letter saying that the payment had been refused by my back and returned. I realized that the default account that the site offered was my equity account, not my checking account. It seems that you can not make a payment on a checking account with an equity account. I was trying to pay with my checking account. Why then does the page default to that equity account? It is not possible to remove that account from the list, and it must default to that account ; an account that can not pay. If you add all the people who might make this error, and if they were therefore late on their payment, how much money would Chase bank make on late fees? I complained to a bank employee ; he said they get lots of complaints, and he passes them on, but nothing has changed.
Consumer complaint received 2023-08-02
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXXXXXX XXXXXXXX Balance : {$11000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00}.
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (WI)

Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.
Consumer complaint received 2023-08-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (FL)

I have a XXXX XXXXXXXX credit card showing on my credit report that was closed due to fraud charges. I was never issued a new card and the account was closed completely. XXXX XXXXXXXX is now reporting a balance on the closed account when it should show {$0.00}.
Consumer complaint received 2023-08-02
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, TransUnion, and XXXX. Thank you!
Consumer complaint received 2023-08-02
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce this?
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

My loan with XXXX  XXXX bank was given to the Midland Credit company for collection and I arranged a payment plan with this company and paid an adjusted amount and last last payment on this account being on XX/XX/2021. The Midland account number is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I spoke with a representative with the Midland Credit co. and he stated that their records indicate it was paid in full on the aforementioned date. 
I would like for this discrepancy to be rectified as I am desperately trying to improve my credit.
Consumer complaint received 2022-08-04
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. (GA)

I currently live at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I no longer live at the address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX. Please remove from my credit report.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, Bank XXXX XXXX, Marcus by Goldman Sachs, XXXX Bank, and XXXX  Fit Loan. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. ( edited )
Consumer complaint received 2023-08-01
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I moved from XXXX XXXX in XXXX XXXX, La in XXXX of 2021. I have Email and Written letter proof where I advised the leasing office I would not like to renew my lease on XX/XX/2021 and I would be moving. They proceeded to place a collection debt and eviction on my credit for {$930.00}. While living there the rent was only {$740.00} which I paid for the last month I was there. I tried to call and speak to the leasing office and property management in regards to the issue where I was met with push back and verbally offensive treatment. They were not willing to tell me why they felt this was my responsibility. I am looking to have these false claims removed from my credit report.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!
Consumer complaint received 2023-08-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Consumer complaint received 2023-08-01
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. (NC)

I am writing to EQUIFAX with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
Consumer complaint received 2017-03-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!
Consumer complaint received 2023-08-01
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)

Equifax shared a copy of my credit report with my authorization to XXXX XXXX  and other financial institutions without my knowledge or Consent. By doing so XXXX card decreased my credit limit by {$3300.00} to cause me a hard hit to my Finances and Fico score. I am in the process of trying to get a my first time home loan. XXXX XXXX XXXX XXXX XXXX  this was a surprise to me and EQUIFAX is the ONLY AGENCY that gives me the lowest score of the 3 Agencies from the time I became an adult! I am claiming Bias treatment against XXXX XXXX  and would like them investigated and would like my information withdrawn from their DATABASE! They have unethical business practices and I intend to go Public.
Consumer complaint received 2023-08-01
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file with Equifax. this issue has been on going an this is my 2nd attempt to delete an remove all inaccurate data. please review an remove the requested items listed in the files asap.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.