davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I 've been trying to get Equifax to correct my home address for a month ( XX/XX/XXXX-XX/XX/XXXX ) ..sent in required proof of address 3x ( copies of s.s. card/drivers license and letter from US Treasury with my correct address ).  talked to several agents with this company who agreed that they had received my documents and assured me that the problem would be fixed. on many occasions I 've been put on hold with no one responding, directed to another # # that sent me to recording with no resolutions. they have my address from 4yrs ago as my current address. I moved 3yrs ago to an address that they listed as previous address. I have been at my present address for 2yrs. I 've gone to their web page to submit online dispute but it only states temporarily unavailable..
Consumer complaint received 2020-11-02
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: BARCLAYS BANK DELAWARE (GA)

I opened this Barclays credit card, used it and paid it in full with a XXXX balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete Barclay 's erroneous reporting.
Consumer complaint received 2020-09-04
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 have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.
Consumer complaint received 2020-05-19
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
Consumer complaint received 2023-02-16
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. (CA)

XXXX has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (IL)

On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. Thank you.
Consumer complaint received 2018-03-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

I have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services (MT)

In XXXX of XXXX I went to the VA with a medical problem that they sent me to XXXX Hospital ER to be seen for what they thought I had a XXXX XXXX. The hospital was to bill the VA for the services they provided. I did not know what happned but the hospital billed me insted. The reason I did not recive any mail as we were homeless and could not recive any mail. When I found about the bill it had gone to collections the, bill was for over XXXX. I then called the hospital to find out why they had billed me and not the VA. They told me that they did'nt know they were to bill them. Then the hospital called the VA, and was told that they that that they were not going to pay the bill as to much time had passed since the time I was seen. The hospital then sent me forms to fill out to see if I could be forgiven on the past bill, so I filled out the forms and sent them back. I did not hear back from them for about 3 weeks, so I called them back this was about mid XX/XX/XXXX. I then learned that they could not do anything becouse it had gone to leagle, and I would have to deal with the collection company. Then on about XX/XX/XXXX I got a letter from the Hospital stating that I could recive services at no cost to me untill XXXX XXXX but not forgive the past bill. I then called the collection Centron Collection Services to try and see what I could do to resolve the bill I had with the hospital. The call started off with them asking for my account number I told them I don't know what it was. so they asked for my name and we went from there. I told them that I wanted to make payments on what I owed for the hospital bill, that is when they wanted to add my wifes bills that I didn't know she had and that I had to pay them also no matter what, and I could not pay just on my amount. So I agreeded to pay XXXX a mounth. But becouse of all the mixups with the hospital and the VA and now collections, it is very hard to go from homeless to home ownership. the VA shouldhave payed the bill no matter how long it has been and the hospital should have billed the VA. This is a on going problem and the VA and they should pay the bill.
Consumer complaint received 2020-05-19
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NY)

I've been harassed from XXXX XXXX XXXX with the same debt before that I don't owe, ever in my life have had business with XXXX XXXX XXXX, XXXX. Now I got another letter from Credit Control , LLC dba Credit Control & Solutions, LLC for the same debt {$570.00}, which is on someone else with the same name but different address. I requested to XXXX XXXX investigate the social security number that person used to get that credit card at the time, and if that information matches with my number then I am a victim of identity theft. Because I can guarantee you that I don't owe that money. 
You can see the documents attached the address does not match with mine, i never have lived in that address.
Consumer complaint received 2020-05-19
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (MN)

I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il
Consumer complaint received 2020-11-20
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: WELLS FARGO & COMPANY (UT)

To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { WFDS } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (KY)

I opened the Macys credit card issued by XXXX XXXX on XX/XX/2021. I made few purchases on the same day and have sent of XXXX now. They send me the card I tried to call them and activate the card but they every time deny activating the card saying they need to verify my identity calling me but they never call to me this process been three times. Now I have got a bill saying I need to pay them but I can not pay them because they dont activate my card. I am afraid they will put me to collection for not paying them on time but I want to pay them and can not because they never activate my card. Please help me to activate my card so that I can pay them the balance.
Consumer complaint received 2020-07-01
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK (CA)

Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.
Consumer complaint received 2020-05-19
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. (LA)

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX Applied for line of credit. I was told it was only a soft inquiry but it shows as a hard inquiry. 
the account has been closed but its still showing as a hard inquiry on my report.
Consumer complaint received 2018-02-27
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: CITIBANK, N.A. (TX)

I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my report.
Consumer complaint received 2020-09-03
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. (IL)

The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MS)

I applied for an Old Navy credit card and was sent a letter of denial. The reason stated for the denial was " You had a credit account recently closed by Synchrony Bank ''. There was no credit report pulled because they did not list one on the denial letter. They did not include any information on the denial letter for me to dispute the denial. 

I haven't had any accounts that were my responsibility with Synchrony Bank that recently closed. 

I was an authorized user on some Synchrony Bank accounts that were closed. 

I feel as if they didn't give my application and fair and reasonable review.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (OH)

DUE DATE ON LOAN IS WRONG. XX/XX/2020 SHOULD BE ) XX/XX/2020 COMPANY REFUSES TO MAKE CHANGES TOO STOP OVERDRAFT CHARGES NOTIFY COMPANY SEVERAL TIMES TO NO CHANGE EXPLAINED ON FIXED INCOME SOCIAL SECURITY ADMIN CANT AFFORD TO PAY LOAN OFF??
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (IL)

this is about a collection agency letter who sent a letter to take negative action i attachd a collection agency letter and a letter from me to consumer protection burea and to the collection agency company they are very dangeroues collection agency company they will put me in the road