davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OR)

On XX/XX/2022 I noticed my Citibank accelerated savings account had been closed without any notice. The account held a considerable amount of savings that I built up and contributed to regularly. In the sum of a little more than {$10000.00} USD. There was no email notice. I only received a hard mail notice weeks later that due to a fraud risk they closed my account. 

I called 4-5 different times and spoke to fraud representatives of Citibank but they were highly unhelpful and said I would receive my funds via mailed check within 30-60 days. I asked to speak to a manager and they said they dont have a manager for me to speak to. They all sounded like they were speaking from a script and regularly cut the phone call while I was still asking questions and for help. 

Ive been reading multiple consumer complaints online that have had the same issue and it took very long to receive their funds or still have not received their funds. I am starting to become concerned. Many online reviews are negative. 

Citibank has not been able to communicate effectively about my concerns and I am starting to worry that I will not receive my money back.
Consumer complaint received 2022-09-15
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. (OH)

In accordance with the Fair Credit Reporting XXXX XXXX accounts : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CA)

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account NATIONSTAR MORTGAGE on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

I want XXXX, Equifax and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.
Consumer complaint received 2022-06-09
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 and XXXX XXXXXXXX Acct # XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-04
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. (MN)

I have addresses listed on my XXXX XXXX, XXXX  and Equifax credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX
Consumer complaint received 2022-09-15
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. (NC)

Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX Equifax XXXX XXXX XXXX the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!
Consumer complaint received 2022-07-20
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: C/C Financial (TX)

I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (PA)

I'm trying to repair my credit karma and they told me thru there app that I had an EXCELLENT CHANCE OF getting secured credit card from XXXX XXXXXXXX to help and assist with building my credit which I was turned down for and it hurt my credit and put me in a worst place it was FALSE ADVERTISING
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, XXXX gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to XXXX and transunion a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I just learned a credit card account was opened in my name in XX/XX/2022. I've been charged a balance of {$290.00}. I contacted Chase who then put an immediate stop on the account, I also processed a dispute through XXXX fraud department and have a police report.
Consumer complaint received 2022-06-09
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: Self Financial Inc. (TX)

Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called XXXX and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if Self purchased XXXX. They sent an update yesterday.
Consumer complaint received 2022-06-09
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. (FL)

Equifax refuse to correct my name. I have repeatedly disputed this and they delete it and put it back on. Equifax has my husbands suffix mistakenly mixed up with my name on my credit file. I am receiving mail with my name incorrect. My name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX My Maiden is XXXX. I have submitted my passport and other credit agencies with the correct spelling of my name. 
Please Equifax correct my name for the hundredth time I AM NOT A XXXX!!! I only have this problem with Equifax and no other credit reporting agency.
Consumer complaint received 2020-03-02
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. (MI)

XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

Second card on credit account was opened in my name without my knowledge. Contacted credit card company to inform them I did nit authorize nor utilize credit card. The card was charged off to a debt collection agency and I was not informed of the garnishment of wages and currently pursuing fraud dispute.
Consumer complaint received 2022-09-14
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. (FL)

I ordered a copy of my report in XXXX and I found out that there are inaccurate accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
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 2022-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

After carefully reviewing my credit file I am concerned with some items you are reporting. Account name : XXXX XXXX XXXX or XXXX. Account number : XXXX. I am aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documents on this account or remove it from my credit report. Also send me a credit report reflecting these changes. Thank you for your help.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NC)

This company put this account on my credit, and the account don't below to me. 
My step mother open up an account this company, and me and my father share the same name and the company put this account on my credit and it stopping me from close on my house..
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (WI)

A company called for a relative and refused to say anything about their business besides they were Capio. The line they called on was recorded and even though I asked them 4 or 5 times what type of business they were they only would say they were Capio. When I continued to insist who they were they rudely hung up on me. I called back and theyre Capio Partners , LLC but would not identify themselves as the type of business ... just that they help businesses. I looked on the internet and they are a collection agency specializing in health care. It is illegal to call and not identify themselves as a collection agency ... .I asked many times and it was on a recorded line from a caller within the State of Wisconsin so the recording is legitimate. I would like to find out to have them prosecuted for using illegal tactics.
Consumer complaint received 2022-09-14
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. (LA)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX.has violated your rights. 

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

15 U.S.C 1681 Section 604 A SectionA Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OR)

This is the continuation of an issue related to the service fee/mortgage insurance associated with Section 184 loans. Our current mortgage loan has reached a threshold of 77.9 % LTV and the service fee/mortgage insurance for XXXX  ( {$73.00} ) should not have been withdrawn from the escrow account. The fee should not be withdrawn any longer actually due to the LTV calculation and the confirmation from HUD that the amortization schedule associated with our loan is correct due to the remove of the upfront loan fee that is applied when the loan was first generated. This not only affected my loan but all other Section 184 loan LTV calculations as well. Due to incorrect LTV calculations I am uncertain how many of these types of loans have been having escrow withdrawals that were not necessary.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I am filing this complaint because I have been reporting the unknown informations in my consumer file but I get no response. This has been multiple times that I have submitted a dispute letter yet they failed to notify me nor fix the issue.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (GA)

On XXXX XXXX, XXXX  I used XXXX XXXX to transfer {$10000.00} from my Bank account to another Bank account. I received an email on XX/XX/XXXX, saying my account was cancelled. On XXXX XXXX, I received an email saying my account was good to go. They withdrew {$10000.00} from my XXXX on XXXX XXXX. They said the transfer will happen on XXXX XXXX. On XXXX XXXX, I checked to see if my transfer went through ... it did not. I tried to sign into my XXXX account via computer but can no longer sign in. I contacted them by chat but they can't give me a reason why I can not sign in. They can't give me a reason why they didn't transfer. I've chatted a few times and they are not helpful, cut off the chat early. On the last chat they said my money will return to my Bank account on XXXX XXXX. It's XX/XX/XXXX and my money is still not returned. I believe I have been scammed out of {$10000.00}! I have a receipt from them ( Contract # XXXX ) that shows they withdrew {$10000.00} from my account. I have their email saying this contract was cancelled. I have their texts showing their inability to answer questions plus their promise that my money will be returned on XXXX XXXX. It was not returned. 
Bottom line : They have my {$10000.00} and will not return it. They keep giving me a run-around, false promises and ( or ) of no help.
Consumer complaint received 2022-06-09
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, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX Equifax and XXXX. Equifax could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX & XXXX Carriers AND The following inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

I had automatic payments set up to my Chase credit card. On XX/XX/2022, I paid {$4500.00} dollars manually. My statement balance was {$3900.00}. However, the automatic payment went through. I was charged an overdraft fee from my credit union of {$30.00}. On XX/XX/XXXX, Chase again tried to apply an automatic payment of the old statement balance of {$3900.00} dollars ( statement balance was paid in full at this point ). I called them on XX/XX/XXXX, to ask why they would an automatic payment again when the balance was paid in full. They said because the payment did not go through, the automatic payment went through again for that amount. I had to call my credit union to put a stop payment, so the automatic payment would stop, which cost me XXXX XXXX. I am asking for Chase to change their automatic payment system if the statement balance is XXXX dollars and for chase to reimburse the XXXX XXXX stop payment fee and overdraft fee from my credit union.