davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MD)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MI)

Called Chase bank XX/XX/2018 regarding my ridiculously high APR on my 3 credit cards with them. My APR is 24.99 % and my credit score is in the low 700 's. I have been with Chase for over 3 1/2 years and I have never missed a payment. I was told by a supervisor that they don't negotiate APR 's, and that I am getting the best rate on my account. I also have a 0 balance on all 3 of my cards with them. The only reason I am still with them is that they are decent at raising my limits but bad at lowering my APR, because they never have.

In closing I would appreciate you look into this company and others like it, when they become to big to care for the little guys, they will lose all in the end from their greedy ways. Thanks for the help in advance.
Consumer complaint received 2021-04-05
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)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.
Consumer complaint received 2021-04-30
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. (NJ)

I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

XX/XX/XXXX RE : XXXX and MRS BPO, L.L.C. 

On XX/XX/XXXX XXXX sent my bill to " XXXX  '' for collection. Upon XXXX  reading my complaint through CFPB they determined their was no reason to pursue this charge from XXXX. 

I talked to dozens of people at XXXX about my XXXX not working properly the day after I received it. I kept getting kicked around from person to person and department to department. I finally reached a specialized department that immediately told me I had a free exchange due me. XXXX sent me a return box and instructions on how to return the faulty phone and I was sent a replacement. I have not had any trouble with the replacement. I have never had trouble with any phone since I started using cell phones in XXXX. 

I sent the phone back as instructed and the next thing I get in the mail is a collection notice. 

XXXX sent me a return box and authorization. With out having that authorization and box with a shipping label through UPS I could not have returned the phone. I do not know what happened from my returning the faulty phone to them sending a bill to collections. I can not get anyone at XXXX who knows anything to explain what happened. 

After being treated so horribly from XXXX, I switched phone service. I made sure I was paid in full and canceled their service. 

I am sorry XXXX is so vindictive and so childish to first allow a return and then, because someone, in some office, in some town had a bad day, decided I should be charged. It's very upsetting. 

I do not owe this bill. I will never pay this bill.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK (AZ)

I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted.

I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. 

I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's  policies won't accommodate alternatives.
Consumer complaint received 2020-12-12
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Mortgage Assistance Available In The Wake Of Hurricane Chase I was contacted by Chase by phoe and letter informing me of the natural Disaster Recovery program where you can stop paying your mortage and must be 2 months behind and they would bring your loan up to date, XX/XX/2018 and throw the late mortgage on the back end, I have spoken to several Chase loan specialist who explained this to me more than one, so we are 2 months behind and I just found out that we are still 3 months behind and that program was not in effect or ever was, so now after spending XXXX on repairs since insurands only covers 4 % of Dwelling, from the hurricane on the house, we are 3 months behind and our credit is a joke. 

How can they offer a program that was never even in effect and never called or contacted me to tell me each month i called to make a payment they assured me they after XX/XX/XXXX we will be up to date i just paid our payment and we are still 3 months behind, and there is no such program. 

This is totally unfair and I felt they lied and misrepresented themselves. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

XX/XX/2021 -XX/XX/2021 For the past 24 hours I cant access to my account ( online, debit card ) for no reasons. 
I dont have money for my daily activities. 
PNC Bank is holding my account and I have to pay my bills which are due.
Consumer complaint received 2021-11-30
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: CITIBANK, N.A. (WI)

For a year I tried to get best buy citi bank to listen to fraud claims and remove the charges. And for a year I was given the run around. I would still make payments and then in XXXX I proved I reported to police. Didn't receive the new card etc... I was in hospital and just found out from a representative that best buy citibank lowered my credit limit from XXXX to XXXX about a week after SOME OF THE UNAUTHORIZED CHARGES WERE TAKEN OFF.. I am told to wrote in to the citibank best buy credit department and I have been informed my card is now XXXX over the new limit which it wouldn't have been had I Still had the XXXX limit I thought I had. 
I have paid on time and there was no reason to lower my credit limit. This is a clear retaliation and I dont know what I'm going to do.but I do need something done In 2018 when I ordered something from a merchant. I sent in proof of emails showing I didn't receive the item and best buy citibankrequested those which u sent in. After I seen a letter saying I never sent the proof in I called and told them I had and have proof I sent it in with the fax confirmation and screen shots. When I sent thar in they still said o never sent them in and I just left it alone. This is the same story they use now. After I send in document and give them police phone numbers they still say they never received so I keep everything from recorded calls to faxes.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MI)

Contacted Synchrony BankXXXX and PayPaXXXX XXXX on XX/XX/21 to inquire about temporary relief due to financial hardship resulting from Covid 19 . I was told there are no programs available to assist with temporary financial hardship at this time. I have never been in default with any lender/credit card company, yet my efforts to avoid default during this temporary financial hardship is being met with zero assistance to avoid default.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-08-07
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: ID Analytics, Inc. (TX)

XXXX reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
Consumer complaint received 2018-10-11
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 (HI)

InXX/XX/XXXX Barclays offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XX/XX/XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XX/XX/XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (AZ)

i do not know what i " owe '' but the name is XXXX XXXX. and i lived there in Missouri in XX/XX/XXXX with room mates and i moved out 4 months before they moved out and there shouldn't a debt under my name. the amount is {$270.00}. this needs to be removed immediately. the company does not want to work with me one bit. its unfair i have to be treated wrong by them and still have my credit hurt for the last 3 years. it re opens every now and then and drops my score by 30 points after i try my best to fix it. it just reopened XX/XX/XXXX
Consumer complaint received 2018-04-11
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. (NY)

this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX  ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX  on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.
Consumer complaint received 2021-12-08
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. (AZ)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-08-12
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. (CO)

I have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

On three occasion from XX/XX/XXXX- XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXX 's refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, XXXX XXXX, a collection XXXX. Please its hurting me.
Consumer complaint received 2021-04-05
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.