davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
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. (WI)

1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX ,  XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 7. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

The amount were XXXX usd by XXXX  on Monday XX/XX/2022 Chase bank did not offer anything to help as they state the only I can do is contact the scammer to refund the money back
Consumer complaint received 2022-10-10
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. (SC)

In accordance with the fair credit reporting act XXXX  account, 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 an account without my written instructions.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (WI)

This is my ( XXXX XXXX XXXX second attempt to resolve this issue through the FDIC/CFPB. Reference original complaint XXXX. This is my written consent that US Bank is authorized to contact the third party referred to in the original complaint XXXX and I am also consenting that US Bank may access my lease account to access past payments. I also authorize US Bank to contact me directly at XXXX to obtain authorization to contact whomever they need to contact. US Bank does not provide confirmation numbers on payments made online, therefore, I can not reference specific tracking numbers provided by the company in this complaint. This complaint is in reference to US Bank Lease XXXX for a XXXX XXXX XXXX. The lessee is XXXX XXXX and I am him, and I am issuing this complaint. 

U.S. Bank, online banking ( https : //onlinebanking.usbank.com/ ), has charged me two times when I submit a payment one time. This has occurred on multiple separate occasions. This happened on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. After I submit the payment from US Bank online banking, two pending charges are shown on the US Bank online banking. When I call in to US Bank customer service, they tell me there is nothing they can do to stop the payment. The only option US Bank provides me to return the payment to me is by cashier 's check in paper mail, which takes 10 days on average to get to me. I have incurred many overdraft fees at my financial institution as a result of this and I have attempted many times to be proactive about resolving the issue caused by the obvious error in the US Bank online banking and US Bank has not helped to resolve the issue or even look in to the issue with their online banking website. I have attached 4 months of lease billing statements showing proof of the lease, lease number, lessee information, and Base Rent plus tax.
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (NY)

I called Equifax XX/XX/2020 to delete an old address on my report. Equifax deleted the address per credit report XX/XX/2020 and the it was reinstated on my credit report within the same month. this clearly a violation of the FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

There are 3 Accounts from the company Affirm that were turned over to collections. Two of the accounts were open the same day XX/XX/2021. The other was open XX/XX/2021. I recently applied a few times for a loan through my bank and got rejected for having 1 or more accounts in collections. I knew nothing about the accounts they were referring to, so a coworker told me to make an XXXX  account because i should be able to see it. That was when i saw the 3 accounts that are in collections. I called and reported it as Fraud to XXXX. I then called Affirm and did the same and reported it as fraudelent activity. I was told by affirm that the balances were used for a compaby called XXXX which I have never heard it was travel related with XXXX XXXX. I am a XXXX  of the united states XXXX XXXX. I never fly anywhere since i only lived 4 hours away from my hometown to see my family so i always drove. I havent had a vacation in over 2 years so no trips anywhere there either. The only reason i would fly would be be for a XXXX  or XXXX which would be goverment funded with our travel cards. The reason I am reaching out is because I believe this would help me with my fraudelent report and others. I have always made my payments on time if anyone were to look at my credit history and have never had an issue with anything going to collections. Im hoping this will help ke in my process so i can get my credit back on track since this is hanging over me and isnt something i would have let get this far.
Consumer complaint received 2019-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (TX)

On XXXX @ XXXX XXXX, I contacted Professional Credit Services. I spoke to XXXX and XXXX that day. I communicated that I wished to make payment of {$760.00} which is what all three credit bureaus show I owe even though I believe this debt is not valid. I was told I owe {$3800.00} and they would only agree to a settlement of {$1800.00}. I declined this as a resolution since the amount they claim I owe is different from whats being reported on my credit reports from XXXX, XXXX, and XXXX. I paid cash for my visit to this hospital and believe this is an error in billing but was willing to pay the {$760.00} because the collection is causing me financial harm. 

On XXXX at XXXX XXXX, I called Professional Credit Services and once again I asked for XXXX and was then directed to a gentleman whom I'm sorry I don't have his name. They had supplied me with the ref their end of XXXX. This was a drawn-out conversation as once again the whole subject was discussed and that's when I was told the {$1800.00} was now incorrect and that there was no way anything would be reduced and I owed {$3800.00}. Now, theyve changed the amount twice each time Ive called and the credit bureaus are still reporting that I owe {$760.00}. Again, I believe this collection is a mistake to begin with but was willing to pay what the credit reports showed I owe because it was causing me financial harm.
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (VA)

I'm not sure about the exact dates, but I believe this issue transpired sometime between XXXX and XX/XX/2020. My child had created a face id on my iphone without my knowledge and then downloaded a game where she then proceeded to make roughly $ XXXX of purchases spread out through several of my credit cards that were stored in my wallet, including {$2000.00} on my Apple Card from Goldman Sachs . When I discovered the issue I immediately contacted all of my credit card companies and after their investigations they determined that the charges were fraudulent and refunded the money. Goldman Sachs however did not agree that the charges were fraudulent. So, I went to my bank and they found that the charges were fraudulent and refunded the money. After this, Goldman Sachs closed my account and charged me for the charges. I have been making payments to avoid credit issues, however, I never authorized these charges and I shouldn't be paying for them.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

My complaint is against Chase Bank. On XX/XX/XXXX, my mother past away. About two weeks later I went to Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ and ask them if I could close my mother 's checking account. I was told that no one in the bank knew what to do, could I come back the next day. I did that for 3 days in a row and they could not tell me what to do. They then told me to call XXXX guess who. They told me to go the the branch office and they would take care of it. I had given up on them. Then on XX/XX/XXXX I received two checks from XXXX. One for {$3200.00} the other for {$180.00}. The problem is they are made out to XXXX XXXX XXXX XXXX  XXXX. There is no estate. So I went back to XXXX and I was told to take the checks to my bank and negotiate them with them. My bank just laughed. I think of how many people Chase Bank does this to and steals the money.
Consumer complaint received 2022-04-15
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. (FL)

XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (MA)

I am requesting validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay TrueAccord credit collector.

I also request TrueAcoord a formal notice that your claims are disputed and cease communicating with me.

TrueAcoord is sent an email several times after I request the cease all communication with me.
Consumer complaint received 2019-09-17
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. (TX)

I submitted a Second written request in writing on XX/XX/2019, to Equifax Information Services LLC, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails, from  the Equifax credit bureau that the account have been updated and verified. Acct # XXXX XXXX XXXX XXXX {$550.00}
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

This complaint is regarding the Citi XXXX XXXX rewards card ( gold ). It was an absolute mess from the beginning. I applied for the XXXX application bonus and recieved XXXX. Had to call in and then recieved an adjustment for an additonal XXXX. This adjustment is shown in my XX/XX/XXXX statement. 

I then create my XXXX account and find out i have XXXX points. I call XXXX and they told me they do not see any points on the account so they can not do anything. Fair enough, i can see SOME of my points on the citi side. 


So i call the citi number, tell me to call XXXX. I go back and forth TEN TIMES. Going through automated services. Each side pointing fingers at each other. 

I recieve a ticket ID # to give to Citi support so they know of the situation. Support has 0 clue what this ID number is. What is the point of my previous support creating a ticket and documenting my situation. I don't even know if he did. 

I can see I got XXXX points from my statements, which was my adjustment. Citi denies seeing points until i point out that fact. They give me a number that seems to be a hotel support line as the automated line asks for an itinerary number and can not move forward. 

Support told me they can see the XXXX points on their account. But can not see if any were spent or removed. Why? What is the point of support having access to +balances and not -balances? That makes absolute no sense. 

At this point i am stuck. XXXX will stick with seeing XXXX points. As i've called them 5 times. Citi refuses to investigate further. And directs me to a number that doesn't work. 

Absolute XXXX poor customer service with Citi. I will no longer do business with Citi and XXXX in the future. There seems to be a gap in documenting each customer services interaction. As each customer service i talked to had 0 knowledge of my situation. I have spent over 20 hours trying to get this figured out. And at this point it's not worth my time. I'll eat my {$95.00} and hit on my credit score and take it as a lesson to not do business with XXXX and Citi. 

Timeline : XX/XX/XXXX - Apply for XXXX XXXX XX/XX/XXXX - Recieve XXXX XX/XX/XXXX - Recieve additional XXXX XX/XX/XXXX - Call XXXX/Citi about points XX/XX/XXXX - Close Card, no resolution
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

I requested car down payment to be refunded from First Horizon Bank on XX/XX/2021 due to had been sold a lemon by XXXX XXXX. I was denied due time 60 day time frame that bank gives. I purchased car on XX/XX/2021 with {$8500.00} down payment using debit card as credit card sale. I have already requested refund from XXXX XXXX with no response. The car has a bad pcm which dealership supposedly fixed that was not disclosed and the air compressor has been replaced which both are not still functioning as they should be.
Consumer complaint received 2021-01-03
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: ACIMA CREDIT, LLC (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-15
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. (NY)

I am a victim of identity theft. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,
Consumer complaint received 2021-01-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This a my second complaint against Wells Fargo Home Mortgage. The reference number for the first complaint is XXXX, which was resolved by Wells Fargo, but it now appears I am being retaliated against because of that complaint. 
I applied for a VA home loan in early XXXX. My credit history is flawless, my debt to income ratio is low, and I have substantial assets to back up my mortgage. And, I have timely complied with every single document request from the loan processor, even though on several occasions I was asked to submit documents that I had already submitted. In addition, I made it absolutely clear to everyone involved in my loan review at Wells Fargo that I was on a very tight timeline to complete the loan by XX/XX/XXXX ( the scheduled close of escrow date ). I believed two full months to approve a loan was reasonable. Unfortunately, two individuals, my loan processor and my underwriter, didnt seem to agree. 
Its important to state that I am also in escrow on my current residence and must vacate by XX/XX/XXXX. 
Notwithstanding the facts that, my loan processor was unavailable for two weeks during my loan review, the underwriter was unavailable for a week at a critical time during the review, the underwriter waited until the last minute to ask for things that I could have provided in XXXX, and the underwriter requested unnecessary and irrelevant documentation - all of which have delayed loan approval. Yet, things would have been fine - had the underwriter not decided to sign off early on XX/XX/XXXX. 
On that date, by XXXX in the afternoon, I had finally been able to comply with ALL the underwriters demands for documentation. According to the two Wells Fargo loan consultants working my file ( XXXX and XXXX ), my loan should have been cleared to close on XX/XX/XXXX. However, the underwriter left work, early knowing full well that I was working hard to meet her demands so Id have enough time to ( barely ) close my escrow by XX/XX/XXXX. ( At that point, I was basically facing being without a place to live as of XX/XX/XXXX. ) I can only assume, at worst, that the underwriter intentionally delayed the clearing of my loan to retaliate against me for my previous complaint. At best, its a demonstration of callous indifference for the hard work Ive done to meet all her demands, both reasonable and unreasonable, as well as the hardship Im facing due to the delays she and the loan processor have caused. 
I realize that, by the time this complaint reaches the Wells Fargo executive team, l will have already been without a place to live for several days, at least. However, what Ive had to go through with my Wells Fargo loan process, needs to be addressed. 
Thank you.