davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

I had an account with Conn Appliances & explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from XXXX XXXX XXXX ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sunbit, Inc. (IA)

I went to XXXX XXXX of XXXX to have car repairs done. They told me that they were partnered with a new companycalled SUNBIT. Sunbit offers installment loans and credit cards to XXXX XXXXXXXX customers to help with car repairs. I applied for the sunbit financing and was approved, i had 3 installment loans and 1 credit card with Sunbit XXXX XXXX XXXX XXXX XXXX Ca XXXX. 
All the loans and credit cards were setup on auto pay from day one. Sunbit requires this in order to get the financing. Bank routing number debit card number all were there on the account for auto pay. Sunbit was withdrawing the payments from the account successfully up until XX/XX/2022 ( but in XXXX XXXX XXXX they stopped with drawing the payment for the credit card ). I received my first notification in XXXX XXXX letting me know that the credit card account was 90 days delinquent and i owe XXXX. I contacted customer service agent to find out why they stopped auto pay for the credit card. All my loans and credit cards are on 1 account all payment should have been made. The agent told me that they only auto payment for a credit card account a few months and the customer has to call in and give us permission to continue. I told the agent that policy is ridiculous! Auto pay means that you continue to withdraw payments until the balance is paid in full. I dont have time to call in each month and beg you people to take a payment. Also why did you wait almost 90 dyas before sending out a notice? Theres no way i can catch this up now. I am a senior citizen i receive social security XXXX payments. I cant pay XXXX a month on this cad without becoming homeless. Sunbit has really created a financial hardship for me and you are damaging my credit each month reporting the card payment as late. I think this is negligence on XXXX part for not withdrawing the payments and not notifying me immediately. I asked if we could set up a plyment plan to get the account back on track and Sunbit told me " NO ''. we dont offer any payment plans. I signed up with a consumer credit counseling agency who contacted Sunbit with a payment plan offer and sunbit rejected that ofer to.
Consumer complaint received 2022-04-25
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: LEXISNEXIS (LA)

I submitted a dispute in reference to an account that being reported on my business credit report that doesn't belong to me. It's been over 60 days now and they haven't finish the investigation.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$2900.00} ;
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IL)

I have a Chase credit card that has a travel insurance benefit that we tried to use, but Chase would not fulfill the benefit, claiming that there is no record of XXXX XXXX rendered. My partner and I had a trip scheduled for early XXXX booked on the previously mentioned Chase credit card. Unfortunately, my partner ( whom I live with ) came down with XXXX three days before we were supposed to leave and were forced to cancel the trip. We had record of a positive test, a doctor 's note confirming the result, and shared all of this with Chase benefit claims. I also read through Chase 's explanation of the travel insurance benefit, which mentioned specifically that it covered cancellations due to XXXX diagnoses. However, after several months of back and forth ( mostly Chase attempting to escape on technicalities and asking for repetitive documentation ) Chase denied the claim with the explanation of no XXXX XXXX occurring, even though we had the positive test and doctor 's note. It's not clear what XXXX XXXX need to occur anywhere in the description of the benefit and the denial is especially confusing given they mention XXXX as an example of something that would be covered.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

Hi there, Per the terms of Chase XXXX credit card - As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. 

I spent {$15000.00} in XXXX based on purchase date, however, several of my transaction only posted past the XX/XX/XXXX and the system didn't issue free night award automatically. I've tried to reach out visa XXXX but didn't hear back for over a week. Please kindly advise.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX  XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX0, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I written Americollect and requested all items pertaining to the collections account. and proof of how this debt is owed to me. 

This is not adequate proof of the debts belonging to me. Americollect has failed to validate or verify that these debts belong to me according to the fair credit reporting act, Americollect SHALL provide documents proving debt owed and they have failed to do so. I am requesting immediate removal from my credit report.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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 2022-06-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural XXXX XXXX consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, 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. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act 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 2022-08-23
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: Experian Information Solutions Inc. (TN)

n 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 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Summary : I booked a XXXX XXXX XXXX XXXX night using my credit card. But I did not get the credit per the term. 

Details : I booked a hotel and then cancelled and booked another one. I saw the XXXX XXXX XXXX XXXX  credit for the first booking and then it was clawed back. But I never get the credit for the second booking as the customer service saying it is already issued, which does not make any sense since that is already clawed back. Another representative says that I need to wait for 2 weeks. But it has been more than that. 

The representative is also not professional at all. They are just waiting your time, give you non-sense reason, and do not give you any update for more than 20 minutes,.
Consumer complaint received 2022-10-06
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: Marlette Funding, LLC (NV)

I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX  XXXX  XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-03-09
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-10
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. (CA)

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 XXXXXXXX, XXXX, XXXX, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to XXXX, Equifax, XXXX, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give Equifax, XXXX, XXXX written permission to furnish these accounts
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (CA)

Good day, Thank you for taking the time this complaint further to Celsius debacle.

The lack of transparency from Celsius and the blatant lies from its founder XXXX have led me to deposit my Bitcoin assets on a Celsius wallet, with the conviction I would be able to withdraw them whenever I wished to do so. 
While their Terms Of Services specified the assets held on an Earn account were the property of the Celsius platform, the funds on a Custody account were supposed to remain the property of the depositors, hence the possibility to withdraw them at any given time. Neither the market fluctuations, not the poor risk Management, or whatever other unacceptable excuses their Counsel can come up with, can go contradict their clear Terms Of Services. 
I exactly have XXXX BTC held on a Custody wallet and from XX/XX/2022, I have not been able to withdraw them. 
This goes exactly against their own Terms Of Services. 
The difference between an Earn account and a Custody account is also emphasized in the way the portfolios are displayed on their mobile app. Misleading the depositors a bit more. 
Thank you for your help as I am XXXX XXXX and stressed to recover my Bitcoin which I was promised were safe and easily accessible. 
Truly Yours,
Consumer complaint received 2022-05-15
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: SYNCHRONY FINANCIAL (FL)

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 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (TX)

These companies have violated my rights of privacy. I did not give written consent to these companies... 
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 2022-05-15
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. (PA)

I am a victim of identity theft, i submiited a dispute as I did not recognize this listing on my profile. 

XXXX has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me 5 statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. This is fraudulent, If not removed I will report to Attorney general XXXX XXXX- Debt invalidated XXXX mailed me 5 statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??