davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Audited my card transactions on XX/XX/XXXX and noticed my automatic payment did not get applied. I then see a late payment fee and interest. I call ( waited 45 minutes ) and was told that nothing could be done about the late fee because technically my payment is late. I told the representative that it wouldn't have been late if my automatic payment was processed. She then claims my automatic payments were canceled online! By who? I didn't. Look at my payment history. Automatic payments for YEARS. Why would I change that? She then states that they sent me an email ( I didnt get it ). But as a good will gesture they would refund the interest! After being with them since XXXX thats how they treat me! They are refusing a credit on the late fee. Bad business! 

Chatted online on XX/XX/XXXX and XX/XX/XXXX with the same results. Asked to call a number that just hangs up on me.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I submitted a dispute for them to verify my information. They never verified my information. They said they verified but I was never notified or mailed any info on how it was verified. They had updated the account. I do not know what they updated. 
I demanded to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) They got a file of the account. There failure to positively verify that account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove it!
Consumer complaint received 2022-06-07
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 XXXX  also known as 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
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NY)

We leased a XXXX XXXX XXXX in XX/XX/XXXX, and had our lease financed through JP Morgan Chase. We just purchased the vehicle from that same bank because the lease was coming to an end in XX/XX/XXXX. We submitted all the forms they requested and a check for {$23000.00}. In the odometer statement we were required to fill out, we wrote our odometer reading of XXXX miles. 

We just received the certificate of title from JP Morgan Chase and they wrote an incorrect number for the odometer reading. They wrote XXXX miles. 

Obviously, this is a HUGE problem as it in incorrect. We contacted the bank tonight and spoke with both XXXX, a customer service agent, and XXXX 's manager XXXX, who told us that the bank would re-issue the certificate of title. 

I wanted to let you know that : 1 ) The incorrect odometer reading significantly reduces the value of the car because it reflects a much more used car than it is in reality, and affects us the consumer after we had meticulously cared for the car and kept it well under the annual mileage limit we agreed to of XXXX. 
XXXX ) It's incorrect information written on the odometer statement, which according to the document is a false statement and " misdemeanor '' XXXX ) When we called the bank tonight to complain, they asked us to patiently wait for them to send us an affidavit correcting the mileage on the certificate of title. When I asked the agent whether the NY XXXX would accept the document, he did not and did not appear able or willing to research this. 
XXXX ) We asked to speak with his manager. We again asked whether NY State would accept affidavits. XXXX looked this up and said that an affidavit would NOT be accepted in the state of New York, and that he would work with the titling department at JP Morgan Chase and the NY XXXX to re-issue the title. 

I am somewhat preemptively filing this complaint. I truly hope that JP Morgan Chase does right by us and fixes the problem. I think nonetheless it's problematic that it's the consumer 's responsibility to fix a problem the bank created out of sloppiness. It's also a concern of mine that without this complaint, the problem won't get fixed to resolution. 

I'm attaching a XXXX of the title Chase sent as well as an image of our odometer in the XXXX we purchased showing the correct mileage.
Consumer complaint received 2022-07-28
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: Credit Center, LLC (CT)

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX sent XXXX SEPERATE bills to collection office of about XXXX $ XXXX $ EACH BILL for same appointment. I was not notified of these XXXX XXXX  medical bills and actually had paid a payment plan to this same doctors office prior to this that I had paid. To Have XXXX individual bills of XXXX $ from the same doctors office is INCORRECT and FRAUD to send to a collection agency. I am in the middle of buying a house and lost it because this caused my credit score to suddenly crash over XXXX points in the middle of me applying for a mortgage for the house I was looking at! This has got to be illegal abuse of the doctors office to send XXXX bills of XXXX $ each to a collection agency without even notifying me that this was owed. I would have easy paid that amount if I had known.
Consumer complaint received 2022-06-26
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)

In accordance with the fair credit reporting act 15 U.S.C 1681 section 602 A. states i have a 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 2022-11-29
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 U.S.C. 1681. 

XXXX XXXX-acct # XXXX {$920.00} date opened : XX/XX/XXXXXXXX XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXXXXXX XXXXacct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX XXXX  # XXXX {$6600.00}, XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX-acct # XXXX {$18000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXacct # XXXX, XXXX XXXX XXXXXXXX XXXX-acct # XXXX ( XXXX ), XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have the right to priv

acy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish an 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 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I lost my wallet and had multiple transactions on my XXXX card that I did not make. 
I called XXXX as soon as I realized this and I was assured all transactions would be looked into. I had the need to call XXXX extra times as that didn't happen. Now I am seeing all charges re-posted and customer service does not know why. I received no communication about this as well.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-24
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. (DE)

I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.
Consumer complaint received 2022-06-07
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)

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP (TX)

The company is part of the XXXX XXXX XXXX XXXX XXXX. I called to request a extended payment plan. The representative said she does not know what that is. This on XXXX a day before my loan is due. The power finance representative said she is calling her supervisor to ask what a extended payment plan is and if it is offered. She says unfortunately they do not have that. 

I have had a epp before with the same company years prior.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (TX)

XXXX XX/XX/2022 Debit Card received in mail from Discover. I do not have any accounts with discover. Called Discover bank and fraud line wait was over 24 hours. I then chose to speak with a Discover bank agent but did not share personal information as I was unable to speak with the fraud division. They were able to identify the account without my personal information and assured me that account would be cancelled/closed and I would receive a letter in 10 business days. My concern is what is required to open a banking account/debit account. Are no forms of ID required? When reviewing credit reports, the account was inquiried on XXXX XX/XX/2022.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I attempted to get my free credit report from both equifax and XXXX and they said there was an issue preventing me from getting it online. I do not have reliable access to a mailing address so a snail-mail approach is not a sufficient fallback.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (CA)

On XX/XX/2022, I paid True Accord {$450.00} for a collection balance that was already settled on behalf of XXXX XXXXXXXX XXXX. 

I received an email from them stating that I could settle my debit. 

The balance was similar to another debt that I owe to another creditor, and I was the impression that I was take care of that debt. 

I do believe that was fraudulent activity committed by TrueAccord, and I'm unable to recover my {$450.00} back and need outside mediation.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MD)

I am writing this complaint on behalf of myself, XXXX XXXX, a natural person with no assistance from third parties. Macys/Department Stores National Bank has transferred a debt to a third party debt collector. I have tried to contact both parties via phone and mail to speak about this dispute. I have documentation to provide that can explain the current state of bankruptcy and how this debt must be discharged. This complaint is to have a direct contact from Macys/Department Stores National Bank reach out to me.
Consumer complaint received 2022-06-26
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bliksum, LLC (CA)

I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Amount {$700.00}, 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 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (PA)

I have a XXXX XXXX credit card with Barclays that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near -76 points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at Barclays for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to Barclays reporting this delinquent balance. I had a credit score of near 790 before this and I have never missed a payment in my life. After multiple attempts at contacting Barclays to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. Barclays told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted Barclays to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called Barclays and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate Barclays to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

There is inaccurate information on my credit report. I have tried to resolve this matter with this company and they have failed to resolve the issue or provide me with the verification details therefore they are not in compliance with FCRA laws.
Consumer complaint received 2022-08-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-24
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. (TX)

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. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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.