davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (IN)

I received an unsolicited credit card in the mail from " NetSpend All-Access ''. I received this during the week of XX/XX/2022. I never requested or applied for this card and I have never had any type of interaction with this company. The card I received in the mail appears to be a fully-functional XXXX credit card with my full name, credit card number, expiration date, swipe reader strip, and 3-digit security code. The credit card also came with a corresponding bank account number and routing number. 
If anyone were to get hold of this card, say, from the trash or a mistaken mail delivery, they would now have a credit card and/or bank account associated with me along with full instructions on how to activate it. 
It is my understanding that sending unsolicited credit cards is illegal and I would like to file a formal complaint against this company for this behavior. 
I have not attempted to directly engage this company. Since I have never had any dealings with this " NetSpend '' entity, nor have I ever heard of them, I am worried that attempting to contact them would allow them to gather more information about me to either sell to other unscrupulous firms or embolden them to continue their undesirable behavior.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am filing a complaint in regard to unauthorized inquiries on my account. I did not receive any money for these inquiries or applied for these services. I recently summited a complaint and it was dismissed. This is me XXXX XXXX XXXX that's filing this report no one else. 

XXXX - XXXX SERVICE Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  Card XXXX. 

XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX
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: SYNCHRONY FINANCIAL (PA)

As of XX/XX/22, Synchrony Bank Paypal Credit Card and Mastercard are reporting 60-89 days late. In accordance with the Fair Credit Reporting Act this creditor ( Synchrony Bank PayPal Credit/Mastercard ) has violated my rights under 15 USC 1681 Section 602, which stats I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both accounts have been closed.
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: Capital Accounts, LLC (UT)

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 instruction.

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 2021-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (CT)

Hello, I got a personal loan from LendingClub on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The XXXX XXXX account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the LendingClub and XXXX XXXX couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying LendingClub {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Sincerely, XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Nelnet, Inc. (TX)

Nelnet is denying me of my rights as a consumer!! 15 U.S. Code 1681 c-2- Block of Information resulting from identity theft clearly states the information required for a consumer reporting agency to block and delete information reporting on a consumer file. [ ( a ) Block except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS AFTER the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; - iI have provided ( 2 ) a copy of an identity theft report, I have provided ( 3 ) the identification of such information by consumer ; and I have provided ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by me the consumer. Evidently, Nelnet does not comply with Federal Law and/or believes itself to be above the law. You have no right to deny me my consumer rights!! I have provided everything necessary to block this information. These are the accounts in question : Nelnet XXXX, Nelnet XXXX, Nelnet XXXX XXXX Nelnet XXXX. I have also attached the promissory note they sent me. Line XXXX is NOT my signature. Nelnet should have my signature on file and this will not be what they have. Even XXXX XXXXXXXX references are not my handwriting. Nelnet should have many samples of my signature and handwriting. This is a clear case of someone fraudulently forging my signature.
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. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

I had fraud on this account. I disputed the charges that were over {$1400.00} and was denied my claim. I have tried to close this account before this happened because this happened to me before with chime. Chime refused to close the account. I have talked to the XXXX about this and unfortunately the XXXX  says they can not enforce anything and told me to contact CFPB. Chime will not credit me the funds fraudulently taken, and ask me to prove that the charges are fraudulent. I have sent bank statements from the bank I use to prove that I do not use chime anymore, and I have went to the merchant while on the phone with the claims department. They still tell me that they will not do anything to give my money back. I want my XXXX dollars back and this account closed. I have already had the claim reopened for them to tell me the info I sent was irrelevant.
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

i had received my Social Security check and on XX/XX/2022 @ XXXX XXXX XXXX XXXX @ XXXX to XXXX i had made a cash deposit at the ATM at that location but it not post i had noticed it was missing from my account so i had filed a claim i was calling everyday to find out what ha happened and the stratus of the claim # XXXX and i also had an appointment at my branch office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX decided that i had already filed a claim that i wont go to the appointment and around two hours later i had recieved a email statingn that the claim was denied even though i gave them all of the information then i was told that they did not look at the camera footage to see that i was on the footage making the {$600.00} cash deposit that didnt post the claims dept. sent me a letter the letter said that i made a claim in the amount of {$00.00} witch was incorrect i had made the claim for {$600.00} cash i need my Social Security deposit back please so i can pay my rent and my bills. need any more information please fill free to contact me please 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: Affirm Holdings, Inc (MO)

XXXX allowed Affirm Inc to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute Affirm has the address locked. 

I could not find this correct information because XXXX does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2021 I order an airline ticket thru XXXX of the amount of {$1200.00} I attempted to open a disrupt thru my credit card company to get refund, but I wasn't properly serviced by Chase. 
Chase refused to fully investigate the incident and issue refund as it should. 
I attempted to dispute the charge with XXXX which agreed to refund my money according to their policy and federal regulation rules during COVID. 
I was approved by the US DOT to order justly to refund my money still merchant is not willing to refund my money. 
Chase is also neglecting my request to get refund as I am entitled.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX & account # XXXX XXXX XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # 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 instructions
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my rights to privacy 15 USC 1681 ( a ).
Consumer complaint received 2021-06-16
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
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 — Old information reappears or never goes away
Company: SinglePoint GI (ME)

I regularly check my credit reports and noticed that XXXX is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, General Revenue Corporation, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why XXXX allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from General Revenue Corporation within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On or around the summer of 2021 I opened a Home Depot credit card and project loan card. I purchased kitchen cabinets. I was offered 18 mos zero percent financing at the time. I made the purchase of the cabinets in XXXX of 2021 and after a few months of getting my bills I noticed it said six months for the expiration date of the offer. I realized something was wrong. I called both the store and the issuing bank of the card and told them I was supposed to get 18 months and I only got six. The bank changed it to the 18 month offer. I have no idea how this mistake occurred. About five months ago, I applied with the bank to see if I can get it extended. I realized that there was no way I was going to be able to pay off this purchase in 18 months. It is over {$9000.00} originally. I was denied. They told me I didn't qualify because I had already extended it. I said, no I did not. When? They were referring to the error, the six months to the 18 months. I said but that was an error. That was not an extension. I was supposed to get 18 months originally. Someone made a mistake. Period. Either the store, someone did. I know what I was offered and they for sure have 18 month plans. All the time. How could they even try to deny it? So, now, because of that original error, that went against me and I can't extend the terms.
Consumer complaint received 2022-09-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (NJ)

On XXXX22 I opened a 2.50 % XXXX term apy " BUMP UP '' CD with Marcus.com. Marcus of Goldman Sachs opened this account ending in XXXX. 

Marcus failed in their online marketing promotion to explain that only MARCUS could decide when a rate bump could be initiated even though they introduced a 3.00 % 12 month CD and longer term 3.5 % CDs. 

Marcus online supervisor XXXX which I contacted XXXX22 apologized for this omission but said their was nothing she could do to remedy this unfair circumstance.
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Plastiq Inc. (CA)

The company called Plastiq was supposed XXXX a check to XXXX XXXX XXXX, but they did not. They charge 2.85 % for the service. I incurred {$37.00} late fee from XXXX. Plastiq promised to pay me the late fee. I submitted all documentation, but they never did. They refunded me my payment, but not the late fee.
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. (PA)

Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was XXXX from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company. Thanks
Consumer complaint received 2022-05-01
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. (SC)

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under XXXX  my payment status shows a collection/ charge off but under equifax it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed REMOVED!!