davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ( XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 


Please remove inaccurate employers as well because I'm currently not employed 1. XXXX XXXX Also, I only have 1 current name which is XXXX XXXX Once you have deleted the addresses from my credit report, please send me a copy of my updated report. 


Thank you, XXXX 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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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: 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. (CA)

XXXX XXXX had asked Equifax to delete XXXX but they still continue reporting. Attached office XXXX XXXX. Please look up all the disputes I had submitted for the same issue. Do your job, no only do it, but DO IT RIGHT.
Consumer complaint received 2022-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (NY)

XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from ACIMA CREDIT. I reached out to Acima Credit asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying Acima Credit but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where Acima Credit did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control. I have attached my positive XXXX test to this. I did not go into the ER because I was afraid. Most people who went in, didnt come back out.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (WY)

My wife, XXXX, and I had a credit card account ( XXXX ) with Chase Bank. My wife canceled the credit card in writing in XXXX or XX/XX/XXXX. The XXXXXXXX cards in our possession were shredded and never used by either of us again. No balance was due. We had paid in full. After that date, J.P. Morgan Chase paid money to others ( XXXX and XXXX ) with an account that had been closed without our permission or authority. XXXX XXXX and XXXX XXXX were the only persons authorized to use the account. We did not use it. 

When we learned of the charges, we contacted Chase by e-mail, XXXX Mail ( XX/XX/XXXX ), and telephone. We explained the situation to Chase representatives. Since that time, Chase has billed us monthly, added service charges, and on XX/XX/XXXX, we received a demand from XXXX XXXX, XXXX, a collection agency.
Consumer complaint received 2022-10-31
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. (GA)

I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SC)

I was notified by XXXX XXXX of a hard inquiry that was made against my credit on XX/XX/2022 for a XXXX XXXX XXXX Credit Card. I called XXXX XXXX 's credit card services and reported the fraud and had them cancel the credit card application. I asked the representative what address the credit card was opened under. That address was an address I lived at over 5 years ago, so I'm assuming they had opened mail for a credit card that was sent to that address and sent in the application. 

The XXXX XXXX XXXX XXXX provided me with a reference number for my case, so they are already aware on their end.
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 — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a Class Member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Enhanced Recovery is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have never had any past service with XXXX XXXX XXXX XXXX XXXX Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake. 

I filed a fraud report previously to FTC regarding this account and it was removed from my credit report with all 3 credit bureaus previously. 

XXXX XXXX FTC Report # XXXX Submitted : XX/XX/2022
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I had no Idea my Discover account was closed until I checked my credit report. I haven't received notice in the mail, email, or by phone. I called to verify that the account was actual closed today ( XX/XX/2022 ) and a representative from Ohio stated it was closed. I asked for the reasoning and she stated that there wasn't one. She stated they do routine account checks and there was a business decision made to close the account. The representative could not provide any reasoning. This is odd. I never missed a payment, I do not max out my card and I over pay on it regularly. I have no idea why Discover would close my account. I would like my credit account re-opened! 

This really bothers me because I called in prior to this about a particular charge on my account that was fraudulent. Discover reversed the temp credit and deemed it valid because they said I couldn't provide anything saying that that was a refund owed to me by the company. I further explained to them that the company that scammed me would not provide me any sort of documentation like that. XXXX XXXX XXXX XXXX Discover-Told me I couldnt receive a credit because I did not have anything staying there was something owed to me. I couldn't believe this. As a consumer, you automatically are insured with your credit companies. They are supposed to make sure you are protected against fraud. I asked to speak to a supervisor. XXXX XXXX with Discover said there wasn't one available and they would give me a called back within 48hours. I never received any sort of follow up. Next thing I know, my account is closed. This seems to me like discrimination. I would like to further this issue.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MS)

To whom this may concern : On or about XXXX I started a dispute on some items on my credit report because I noticed account 's that didn't belong to me that I have yet to get a verification of debt onfrom Equifax nor have I been able to obtain my free credit report. On XX/XX/2022 I received a letter and not a consumer credit report. The letter is asking me to submit proof of my id and subsequent information that as a credit reporting agency they should know if they were truly investigating the information that is being disputed. They are asking me for my present phone number that I actually gave to them when I called on XX/XX/2022 and they updated the information or so I thought. This company is clearly trying their best to stop my dream of fixing the unknown, erroneous information that should and must be removed without proper verification. I on the other hand can't actually dispute what they are truly reporting without my consent because they are refusing to give me my annual free report. XXXX XXXX isn't being updated nor is my credit score. There is no way for me to know the true information they have in this consumer report. They can send me information to delete items off my consumer credit report, but they cant send me the actual report to know what exactly they are reporting. I need the report that they are sending that has the incorrect information but they are refusing to give this to me even after the agent on the phone acknowledge they have received the id from the complaint to the CFPB. I just want the ability to fix my credit of all the unknown information and a credit score that reflects the good person I am and the on time bill payer I have always been. i will never get to be a home owner if companies like this dictate the rules when the government clearly states they have rules to follow and obey protecting me the consumer. I am attaching another copy of my id and a FTC report as proof of my address.
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case HARRIS & HARRIS LTD is attempting to collect as XXXX  XXXX MEDICAL CENTER. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I've been with Chase for some time already. However, sometimes I feel like that there is a disconnect between Chase and their customers. Nevertheless, I feel like Chase charges for every little thing. I feel like they made a lot of money over period of time wirh fees on me. 

Furthermore, I feel at times they hold certain things in the way they processed stuff. So they could insure themselves That they would make money off me based on XXXX There has to be a better way to prevent these fees.I need Chase bank to mail bank statements and I never gave chase bank written or verbal permission to go paperless. I would like something documented so I can see everything going on with my account. I don't like to use the mobile too much. Because I got hacked on my cell phone recently. 

I get a direct deposit every single week into Chase. However most of my money that I'm getting direct deposit now is going to Chase fees. By the time they take out their fees I get less than half of my direct deposit. Yeah that's how I go into the negative caused me more financial hardship. 
Me thinking I still have money in there, based on the direct deposit causes me to go into overdraft. 

Especially this year alone. From the beginning of this year I had been struggling. I had covid 19, Been very sick. Was admitted to the hospital and also had XXXX twice this year. Plus dealing with death and sickness in the family. I was also affected by the hurricane as well. I have a medical condition..These XXXX hurts me XXXX When they charge me these fees, and then I realize they withdraw I have no money from my account, I have to start making some decisions. 

Some of the decisions I have to make, Not being able to pay for my medicine, not being able to pay for my medical care and not being able to pay for any food or other bills. Because I'm so busy paying Chase Bank all the fees back. They have to be more understanding to people and what's going on with people 's lives right now. Especially how the economy is. Inflation went up. My paycheck did not go up. Including my medical care has gone up. Food went up gas went up, etc.

Sometimes I try to get help from Chase, however they make it very difficult for me to get the full help I really need. It's also hard contact them when you're put on the on hold for so long. I try calling even times during my break and lunch and it's very difficult to get through to them on time.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

Online banking transactions are showing up under wrong merchants and when I tried to open a case for this issue with a representative over the phone, they ended up canceling my card without telling me. In addition to the merchants being incorrect, there are also constant withdrawals//charges that I didn't process and then immediately the exact amount returned. Sometimes from the same merchant as the deduction, sometimes different. Call representative confirmed that the merchants on their end are correct but that it's showing up incorrect on my end. There are even multiple interest deductions and added back. Things that were showing up correctly suddenly showing up at a later date incorrectly. There has been 2 times where charges I was certain were completed completely disappeared. This makes the online banking service inaccurate, misleading, ineffective, unreliable, and unsecure. Calls are either being intercepted or representatives are regularly providing misleading information and talking incoherently in circles using relevant key terms in completely illogical and unhelpful ways. One had me repeat the spelling of my address numerous times ( including the spelling repeatedly ) and one of the reasons is that the spelling of XXXX translated to XXXX to him. Just word salads and repeated inconveniences.
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (OK)

Are house payment was auto draft out of are bank every month on the XXXX. The loan company did not take out XXXX payment out of the bank then in XXXX they started pulling a full payment and a week to two weeks later they pulled a half payment. They where doing this until the end of XXXX. Every time we would talk to them we would get a different story from them saying that we are two months behind then a week later saying we are five months behind. Are bank says that we should be caught up and now the loan people as got are credit all missed. Up that we can not even refinance are house loan.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MT)

I recently started to monitor my credit reports and noticed alot of fraudulent inquiries, charges, accounts, etc. I First disputed this particular account from Citi Bank with all three credit bureaus. XXXX, XXXX, AND XXXX ALL " INVESTIGATED '' the Citi Bank Account. All three came back with different answers and all report different information. On XX/XX/2022 I finally called and got ahold of someone at Citi Bank. I spoke to a young women and told her I didn't know my account number or any information about the account because it was opened fraudulently but I noticed it on my credit report and wanted to have it removed and asked her what i needed to do to fix it. She asked me for the account number i told her a second time I didnt have XXXX because the account was opened by somone else. She then asked for my social security number. I gave it to her and she then aksed for my address i gave it to her then she asked if i had another adderss. I told her no. She then said please verify some information for me and asked me a bunch of questions about old acounts and information i should only know. Alot of the questions I couldn't answer. She then asked me for my address and phone number then she tells me to wait for a call from a different department. On XXXX I get a bill from Citi Bank saying I owe them {$350.00}. I check My credit report and they updated The account with my information. Not the Original information and my credit score went down XXXX points and Has a derogatory remark on it. This is not right. I called to have them fix the issue not make me responsible for a fraudulent account. They never called Me or emailed me either. They need to be responsible for this fraudulent inquiries and remarks and making my credit score significantly lower than it was.