davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It has been drawn out into the open that XXXX, EQUIFAX and XXXX are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

My debit card was used XXXX times on the same day at XXXX different gas stations, XXXX was forty miles away and the at the same station I go to.called chase and told them and locked my card, waited a week without my card, got a refund for both which the total was XXXX XXXX.now XXXX weeks later they reversed the charges without notifying me why.I called they said they feel its not fraud.Ive been a customer with them XXXX years with same account, there is no pattern here.I did not make these transactions.
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Finance LLC (MD)

I have been a victim of identity theft since 2011. After my son passed away in my home i never returned to the home and gave all of my belongings to my family members. It was during this time someone very close to me stole my personal information. For years I have struggled to clean my credit report and i've always grown discouraged because there's always a new account or inquiries being reported. This has caused my credit score to always decrease and i'm very stressed with trying to fix everything. I have a car loan through american finance being reported on my credit report that i have been disputing with all three credit bureaus. This account does not belong to me and after reviewing all three credit reports they do not all reflect the same information. In accordance with the Fair Credit Reporting act I ask that these accounts be reviewed and removed from my credit reports because they have 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 instruction. 

I believe the person that stole my information is my sister XXXX XXXX because shes been connected to other accounts previously removed from my credit file.
Consumer complaint received 2022-07-03
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. (FL)

My complaint is about CITI BANK XXXX BEST BUY and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. 2021 Because I did not apply for credit with BANK NA BEST BUY.. 
Please launch an investigation into CITI BANK XXXX BEST BUY inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK XXXX BEST BUY is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I applied and was approved for the CitiBusiness / AAdvantage Platinum Select World Elite XXXX card. 

The card promised XXXX XXXX XXXX AAdvantage bonus miles after spending {$4000.00} in purchases within the first 4 months of account opening. 

I completed the spend during the second month of card membership, and was on track to receive the bonus at the time of the statement close. 

During XXXX ( the third month of card membership ), Citi closed my card suddenly, without any warning or communicating their intention, and without giving a proper reason. The closure letter stated that they detected behavior that was not consistent with how other customers use their cards. I only assume that were referring to multiple payments made to my credit card during my card membership. I had a perfect reason for these payments and in my view there was nothing that should have led to the account closure ( at least not before talking with me ). 

At the close of my most recent statement ( XXXX ), I was awarded some XXXX miles for the spending done during the last 30 days, but I was not awarded the XXXX points associated with completing the bonus offer requirements. I do believe that I am owed the {$65000.00} miles promised at the onset of the account opening, for which I met the promotion terms. 

The account was open and in good standing when the spending was completed and the terms were met. The payments were also made in full. Citi waits until the end of the statement close to award rewards, and they chose not to honor the promotion because they closed the account just before the statement closed. They did award the regular spend miles ( just over XXXX ) but not the promotion bonus. 

This is unfair and deceitful, and I feel taken advantage of. They've cost me my time, my spending, the opportunity cost of earning rewards with another credit card product, and of course they cost me a hit to my credit-worthiness.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: DigniFi (MD)

On XX/XX/22 about XXXX DigniFi contacted me about my past due account. I was advised that the call was an attempt to collect a debt and that the call was being recorded. I advised that I did not want the called recored, when I was told that the call had to be recorded I explained that Maryland is a XXXX party consent state where both parties have to agree to the call recording. I re-affirmed that I did not want the call recorded. Dignify continued to record the call after I told them numerous times not to record the call. I asked to be connected to someone who could talk to me without recording the call and was told that its not possible. Again by state law Maryland is on of 11 states that requires both parties to consent to recording and again I clearly advised that I did not consent to recording.
Consumer complaint received 2022-12-03
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: Williams & Fudge, Inc (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I have a 30 day late from 2019 on an Auto loan that was 100 % paid in full. And I no longer have this vehicle. I contacted the financial institution regarding the reporting and since it's an accurate reporting they won't dismiss it or remove it. Now if I were a problem consumer I'd understand but I have spent the last 10 years trying to get my credit score up. And to not remove a single 30 day late payment after 3 years is a bit much for me to swallow. The banking institutions is JPMorgan Chase. I'm extremely disappointed and bummed out. The reason they gave was silly since it's been reporting for 3 years and they say because it was accurate they have no reason to change anything. And to make matters worse it was late by 7 days. Wow! Something has got to change. Will be working at changing my most recent auto loan I have with JPMorgan Chase simply because I can.
Consumer complaint received 2022-07-29
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. (OR)

FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2022-07-29
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for 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, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-03
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: AES/PHEAA (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: AVANTE (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act 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 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (CA)

Lexis Nexis is providing misleading instructions to resolve system errors. To gain access to your consumer file, submit a request online, wait for PIN via mail, Validate PIN, then I assume you gain access. When the provided PIN does not validate, the instructions state the only way to resolve is to speak with a live representative. The phone number provided XXXX connects to a recorded message that loops with no option to speak with a live representative. When you call the general contact number XXXX, selecting the prompts that direct you to the consumer side of the business routes the call to the same looped message. How are consumers supposed to resolve issues if Lexis Nexis has made it impossible to speak to a live representative?
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my XXXX  's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
Consumer complaint received 2022-06-08
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructi
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IL)

Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the XXXX  After I told them that my car was totaled. They were paid off
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I opened an account at Ally Bank. I deposited {$1000.00} from my XXXX  XXXX XXXX checking account via ACH. Ally says they tried to contact me for identity verification. Since, they say, I didn't respond, they closed the account and locked the funds. When I called, I was told that the only way they'd release the funds is back into my XXXX XXXX XXXX account, on XXXX request. 

XXXX says they have no ability to do this. I have spent hours talking to or waiting on hold with both banks.
Consumer complaint received 2022-12-03
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: ACIMA CREDIT, LLC (MD)

15 USC 1682 Section 602 : stated I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On Credit Card Account Under An Open End Consumer Plan as Late For Purposes.
Consumer complaint received 2022-09-22
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC (GA)

ADDENDEUM TO XXXX, WE ARE ATTACHING THE PAYMENT LOG FOR XXXX XXXX XXXX. THESE PAYMENTS WERE TO BE APPLIED TO CURRENT LIEN ON FILE. WE DID NOT REALIZE IT COULD NOT BE FORMATTED WITHIN THE COMPLAINT BOX.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Payment was authorized by my wife XXXX XXXX XXXX XXXX. She lied to Wells Fargo and made a fake report about payments to XXXX Credit Card that is under my name XXXX XXXX. She told them that one years worth of payments was not authorized and had XXXX in payments reversed back to my credit card with XXXX. She told Wells Fargo that she does not know who I am and that they payments to XXXX was done without her consent or knowledge... This is bank fraud because she did know and did authorize the payments since XX/XX/2021 til XX/XX/2021 XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I was approved for a credit card and I called to find out that fraud department tried to close my account without me even having it like XXXX minutes. They realized that my credit was only a XXXX I called several times and customer service told me that it was due to the fact that my credit did not meet their standards it was still in the application process which I know is not the truth because I got a XXXX account alert that my account was open and when I try to call and spoke to several times I finally was told the last four digits of the card number and that it was a account open in my name so I tried to log in and of course they wanted me to try to sign the agreement so that they can close the account at there discretion but I never did and I'm waiting to hear from someone now they will not honor their open account so now my credit had took XXXX point dip due to the fact that they close the account right off the back I know there's a lot of privacy issues with my apps on my phone and I need to speak to somebody about this I also took screenshots of the account being open on my credit report and also screenshots of the point differential.