davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with fair credit reporting act XXXX account XXXX 15 USC 1681 section 602 : states I have the right to privacy.

15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXXXXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Consumer complaint received 2022-10-31
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. (CA)

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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)

Equifax illegally added a medical creditor to my file that I have no association with oncesoever. This is NOT my account. They promote that I can dispute it online but when I try to follow their instructions their website says my password is wrong. When I reset the password using their instructions it still says it is wrong. I can not log in. Their support just tells me to wait x hours every time. This is going to effect a closing IN PROGRESS and I will sue everyone involved if it does. 

XXXX XXXX Last reported XXXX XXXX, 2022 {$150.00} Open balance XXXX  XXXX XXXX  XXXX Original creditor THIS IS NOT MY DEBT I LIVE IN FLORIDA I DON'T LIVE IN ARKANSAS I NEVER LIVED IN ARKANSAS! I HAVENT BEEN TO AN EMERGENCY ROOM IN 20+ years AND I have HEALTH INSURANCE to pay this XXXX!
Consumer complaint received 2022-08-15
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: BARCLAYS BANK DELAWARE (MA)

XX/XX/2022 a fraudulent charge transaction took place at a travel agency XXXX. I called my Jet blue card Barclays Bank that day and was told I had to start a fraudulent transaction on my account. On XX/XX/XXXX I received a letter stating my account was closed pending investigation. On XX/XX/XXXX I received a letter the merchant had proof I did the transaction.I said I wanted it reinvestigated and was told to fax a request with all the reasons why. I asked to see proof of this transaction and was told I would receive it by XX/XX/XXXX. Never received anything. Received a letter on XX/XX/XXXX account was closed and I would not be held responsible until investigation was complete within two complete cycles from the date the suspicious activity was reported. 
On XX/XX/XXXX th I called the phone number for the fraud department asking to please give me some answers and proof of this transaction. I was told I would get the proof within 10 days. He also asked if I had proof it was not me. I asked to speak to a Manager and was told I would receive a call within a week. That never happened. 
No one ever told me I had to prove it wasnt mine and still never got proof of the transaction. 
I took it upon myself to call the XXXX XXXX agency and found out the trip was to the XXXX hotel in XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. 
I was in XXXX from XX/XX/XXXX to XX/XX/XXXX all on my Jet Blue card how can I be in two places at the same time. I sent copies of my charge card statement, copy of my passport showing dates and asked what the hotel had for picture ID. Again I asked for proof with fourteen pages I faxed asking for them again to investigate and at that point one of the representatives I spoke to told me to place a dispute on the charge which I was told I should have done in the beginning. I did what the first Representative I spoke to told me to do. 
I called another number in the dispute number and am now awaiting again for proof as they look at this again. As of XXXX I was told I am responsible again as the dispute can not be put on after the fraud department gets the claim. Few days shy of 5 months and still no proof of this transaction.
Consumer complaint received 2016-11-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center (AZ)

Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( XXXX. ) is now attempting to collect this debt.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, the bookkeeper at the XXXX XXXX XXXX XXXX ( of which I am the XXXX  and XXXX XXXX XXXX ) created a check payable to XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$10000.00} using our online checking account with Chase Bank. On XX/XX/2021, we learned that XXXX XXXX had never received the check even though it had been cashed and the check cleared our account. After investigating and reviewing the canceled check we learned that it had been fraudulently endorsed as follows : XXXX XXXX XXXX XXXX XXXX Pay to the order XXXX XXXX '' and XXXX XXXX XXXXXXXX ( XXXX ) had accepted the check. No one at my company or XXXX XXXX XXXX knows this person. After many inquiries with Chase bank and after preparing the attached affidavits we were told by Chase  that XXXX required XXXX to investigate. After 120 days we checked again with Chase and were told that XXXX has not responded. We have repeatedly made requests for reimbursement from Chase since then, but we are told every time that XXXX  has not responded.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2022-05-01
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: Chime Financial Inc (IA)

It started on XX/XX/XXXX, Thursday at XXXX pm. Someone had begun taking money from my card and I was watching it happen while I had my card in hand. I immediately called the chime customer service number ( Chime is the bank that the card was from ) and after a bit they cancelled the card and stopped transactions. The transactions that were being taken were pending but the money was still being taken off of my credit builder card. Chime customer service said I had to wait for the charges on my card to go through for them to be able to dispute the claims. Today XX/XX/XXXX, Sunday I woke up and checked my account at around XXXX to see that the charges were no longer pending but had actually went through. I called customer service again and they finally filed a dispute against the charges, but said in order for them to rule the case in my favor they needed more information, such as if I was at work at the time and proof. But I was at home with the card in hand and calling them at around the time it had all started. Chime has now told me that it can take up to 90 days for me to get my own money back. The charges that were made to my chime credit builder card are as follows XXXX. XXXX XXXX at XXXX for {$66.00}, XXXX. XXXX at XXXX for {$4.00}, XXXXXXXX XXXX XXXX at XXXX for {$30.00}, XXXX XXXX XXXX  at XXXX for {$270.00}, XXXX. XXXX XXXX  at XXXX for {$90.00}, XXXX. XXXX XXXX XXXXt XXXX for {$80.00}. Every transaction on this list was taken on Thursday, XX/XX/XXXX. I just need help getting the money that was mine to begin with back as soon as possible please.
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEMS Last reported XXXX XXXX, XXXX {$71.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (NY)

XXXX XXXX is incorrectly reporting my balance owed as {$2900.00}. 
i only owe 4 payments left which is {$1400.00}. please update this immediately. 
my social is XXXX XXXX XXXX XXXX XXXX is also reporting a 30 day late from XX/XX/2021 which is incorrect as when i made the payment they reported they did not receive it. 
please remove this 30 day late immediately and update my balance.
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (CA)

In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 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 a purpose.
Consumer complaint received 2022-10-30
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 (MA)

Back in XXXX, my Venmo account was randomly frozen. I contacted them, and they said due to violating the User Agreement, and posing risk to the service, your account has been permanently closed. I asked for an explanation, and they would not give it to me, saying to keep the internal systems robust, we can not reveal the reasoning. I wanted to reinstate it back then and was nicer about it since I thought it could be reversed. Fast forward to last week when I reconnected with them so I could get my account open, they still decided to permanently limit the account, again with no explanation why, citing the same statement above. This does not seem fair as I have no idea what I did wrong. I was using the service like anyone else, and I have no way to defend myself nor obtain knowledge on the issue. What if I were hacked and the hackers activity was what got me banned? I am so livid and frustrated with them for not giving me a proper reasoning or a fair trial. 

I also had 2 unknown attempts to sign into my account on XX/XX/XXXX and XX/XX/XXXX, which signals to me that when I recently signed in on my known device after two years of not, I have a hacker trying to monitor my account and check for money.
Consumer complaint received 2022-05-01
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. (TN)

On XX/XX/2022, I sent a letter to Equifax and XXXX regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With Equifax, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With XXXX, XXXXXXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day. 
I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.
Consumer complaint received 2022-05-01
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. (TX)

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (GA)

Around XX/XX/2022 I wrote AR RESOURCES via certified mail concerning an alleged medical debt. I asked that they attempt to validate the alleged debt by providing me with the original creditor information, breakdown of fees, original contract with the provider of services and they have not responded. It has been over 30 days and I have not heard from them at all. AR Resources is currently in violation of the FCRA and FDCPA. I have uploaded an invoice with all the applicable violations from AR RESOURCES. I would like for AR RESOURCES to compensate me a settlement of {$3000.00} and to DELETE this alleged debt off my credit report. Please make check payable to XXXX XXXX!
Consumer complaint received 2022-10-30
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: DISCOVER BANK (OH)

Around XXXX XXXX I made a payment to XXXX  for a hot water heater that they replaced at my home. The charge was {$950.00}. This balance was given to me by this company and my warranty company XXXX XXXX. A few days later they charged me {$500.00} without my permission. When I called them they said I owed this additional amount. I advised them they never told me this. They just ran my card without my knowledge or consent. I then called XXXX XXXX and they told me that the additional charge was given later by airfast. My issue is I did not given them permission. I disputed this with Discover and it was reversed for review. Discover sent me a letter saying that they were going to apply the balance back because XXXX  would reverse the charge. I spoke with Discover on XX/XX/2022 and the woman told me that was in error. I think XXXX assumed that since Im XXXX they could get over on me. Its wrong.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my XXXX report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (GA)

Signed up for a XXXX XXXX XXXX XXXX. The card never arrived. Multiple calls to customer service are unable to resolve issue. Customer service unable to do anything, they claim that I need to have the card number in order to receive a new card. Unsure how this would make any sense to a XXXX  XXXX speaker. Customer service is obviously located abroad without proper oversight or quality control.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

In accordance with the fair credit Reporting act XXXX Account 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 all 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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 2022-10-30
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: WELLS FARGO & COMPANY (NJ)

In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-31
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: Synovus Bank (VA)

XXXX XXXX XXXX XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the first progress ( opend XX/XX/XXXX ).