davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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. (MO)

I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at Equifax, XXXX, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 Equigax, XXXX, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, five fraudulent and unauthorized charges were placed on two of my Chase credit cards. I immediately responded via text and email that the charges were unauthorized, as well as reporting the unauthorized activity via phone call and secure message. The bank removed the charges from my account but have now inexplicably placed them there again. They accuse me of having made the charges, which is physically impossible, as I was in another city at the time, as evidenced by charges placed on two other Chase credit cards!
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.
Consumer complaint received 2020-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NJ)

This company reported a debt to the credit reporting agencies and this is not my account. If this is medical it is in violation of HIPPA. I never received anything regarding this to verify this is my account. The last four digits of my social security number XXXX. Partial account number XXXX.
Consumer complaint received 2019-10-22
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. (UT)

XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

INNOVATIVE RECOVERY IN This company is reporting a Past Due Amount : {$3500.00} on my credit. XXXX  and XXXX  have removed the debt as it is not valid. XXXX  is reporting it and they say it is valid. I want them to validate the debt and remove from my credit report. They are reporting this debt on behalf of XXXX XXXX XXXX which I left in XX/XX/2018 for roaches infestation. Their contract was supposed to expire on XX/XX/2018 and I told them I will not renew because of roaches. My last payment was for XX/XX/2018. Innovative is reporting twice the month rent for breaking the contract. I have proof of the last month rent which was XX/XX/2018. I do not know how they validate the debt with XXXX. I have written communication and spoken verbally to the landlord. I want this creditor to remove the debt on my report immediately.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (LA)

I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX  balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help me.
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX I the consumer and natural person purchased a XXXX XXXX challenger for personal, family, and house hold purposes using my credit card pursuant to federal law ( 15 usc 1602 ) and 16 cfr 433.1 that was completely paid off using my open ended consumer credit plan at XXXX XXXX XXXX XXXX the firm committed fraud by giving me deceptive forms to coerce me into debt which is a federal violation of the fair debt collection practices act, they also committed fraud by not issuing me my lien free title as well as purchase money loan pursuant to 16 cfr 433.1 ( d ) and other proceeds that I have all rights and claims to from my negotiable instrument. I was not given adequate disclosure on how the finance charge was calculated, i was force to pay for gap and other insurance separately. This firm then sold these deceptive forms to wells Fargo to give the impression I took out a auto loan which I did not. Its almost impossible for me the natural person and consumer to take out any loan when I have a open end credit plan. Wells Fargo now has the title to my property with liens on them which is a direct violation of the FALSE Claims ACT 31 usc 3729-3733. My credit card that was used is property of the social security administration and all financial obligations are obligations of the united states pursuant to 18 usc 8, I cant pay anymore for this fraudulent loan even if I wanted to due to lack of currency to pay. Wells Fargo also sends me monthly bills and statements threatening /attempting to coerce me to pay violating 39 usc 3005. As a federally protected consumer I demand my titles lien free upon receiving this notice and reflect all these accounts as paid off on all consumer reporting agencies. These alleged auto loans are in fact purchase money loans that were supposed to be given to me the consumer in return for a finance charge pursuant to 16 cfr 433.1 which I never received. This company has also sent me multiple repossession notices threatening to take my property which was already paid off via my chattel paper/ negotiable instrument that they has unlawfully sold numerous times which is securities fraud pursuant to 18 usc 3301. I will be seeking litigation for all parties who were involved in these fraudulent activities to the fullest extent. I asked for documentary evidence showing that i owe these debts and I wasn't provided with adequate documentation pursuant to 12 cfr 102.6 ( a ) ( 4 ) ( 5 ) of the details of the security interest. I also already took the liberty of checking the states ucc 11 records showing that I dont owe anyone any debt and it is more prevalent this company is engaging in not stop fraud. Please be advised I do intend of pursuing federal charged on all parties who where included or played a roll in these racketeering offenses and unfair and deceptive practices pursuant to 16 cfr 433.2.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (NJ)

Trying to link mobile app to bank account and being unable to do so. I previously spoke to a rep. I want to be able to access my money, transfer, and pay bills, ect. This has been going on for a week. 

PNC Bank to XXXX
Consumer complaint received 2021-01-21
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. (NH)

I had some random accounts show up on my equifax credit report ONLY. I did not recognize ANY of these accounts and noticed that they were decades old but were randomly reporting as " New '' and recently closed. When i looked at the accounts which were from XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX AND XXXX mastercard. These accounts were listed as closed effective 2008 and paid 2008. They are past 7 years, They are past 10 years. I don't know why they are randomly showing up on my account and they are decades old. Since the time limit for negative information has passed ( and this is negative because it is showing up as recently closed and closed by credit grantor ) and the time limit for positive information is 10 years, ALL of these accounts are past the time limit for reporting.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.
Consumer complaint received 2017-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.
Consumer complaint received 2022-01-05
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. (PA)

I spoke with XXXX 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

XXXX credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (OH)

This is a complaint on XXXX XXXX XXXX  to consumers, which is very confusing. details are as follows. 
I had undergone a XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, OH. 
I have paid the full amount that was estimated at the time of Surgery, for the total Surgery costs. 
Later, I am keep on getting Bills from many 3rd parties, like XXXX XXXX, XXXX departments. Every time I receive such billing letters, I visit XXXX XXXX - XXXX online Patient portal, which is the only portal available for patients, and recheck if I really Owe any amount, if yes, I pay it online, just to avoid Fraud and to avoid exposing my credit card information to fraud websites, As it is common in USA for data leak and we keep getting fraud letters. 

Later after 6 months, suddenly I see a debt collection reported to XXXX, from XXXX XXXX, and it says original payment originator is XXXX XXXX, but I dont see this amount in online portal of XXXX XXXX. 

then again on today XX/XX/XXXX, I received another debt collector letter from company, Frost-Arnett with a due amount of {$100.00}. To make sure, I called XXXX XXXX customer care again, and they could not see this amount due anywhere. 

Conclusion is, How do I Identify the bills I am receiving are not fraud, if XXXX XXXX is not disclosing the list of 3rd parties involved in the surgery, anywhere, neither online nor on any billing summary. 

So, if XXXX XXXX informs me about all 3rd parties/ laboratories participated during XXXX, then I would confidently go ahead and pay the bills as soon as I received. 

Hence, if there are any outstanding debt remaining from my side, that is purely not my mistake, and it is a purely a bad reporting of billing from the XXXX XXXX
Consumer complaint received 2021-01-21
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. (WA)

I am filing a complaint against XXXX, Equifax and XXXX for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Although I never missed a loan payment and was making timely payments under a qualifying repayment plan, XXXX XXXX/Navient failed to inform me that my payments did not qualify as part of my 120 qualifying payments towards the Public Service Loan Forgiveness ( PSLF ) program. I had to move my student loans and consolidate them under XXXX XXXX. XXXX XXXX/Navient continued to mislead me by failing to inform me that the 120 qualifying payments would start again at zero ( 0 ). I had made close to 60 qualifying payments, which effectively " disappeared '' and now I am back at square one. My date of eligibility for loan forgiveness increased by a 5-year period plus interest.
Consumer complaint received 2019-10-22
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 have sent multiple disputes to both Equifax, XXXX and XXXX in which XXXX and Equifax are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.
Consumer complaint received 2018-07-13
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. (TX)

I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (MN)

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX  account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equfax XXXX  XXXX
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

- I made extra payments to may loan principal.

- But the payments were not applied to the principal - Several of the extra payments were automatically allocated to late fees.

- Ally 's electronic payment system automatically allocates funds first to the payment ; second to outstanding fees, and third to the principal.

- Ally policy states that customers may request over payment fund applied to principal - I called and emailed Ally the first time it occurred and stated that I would like the over payment allocated to the principal. I chose this because paying off the principal faster allows for less interest and finance charges. 
- But each time I called, Ally would reallocated only a portion of the amount from late fees to the principal. 
- The process would also take so long that the reallocation would cross another payment and I would have to call again to get the over payment allocated to from late fees to principal ; and once again Ally would allocate less than the amount allocated. 
- As it stands, Ally has not applied {$980.00} ( {$770.00} ) to my account at all. The funds were removed from late fees and not reallocated on the account.
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MB FINANCIAL, INC. (CO)

In late XX/XX/XXXX we used XXXX XXXX to find a competitive offer. We were subsequently contacted by XXXX XXXX of XXXX XXXX XXXX  XXXX with an offer to borrow at 3.875 %. We submitted the requested personal/financial info on XX/XX/XXXX and were soon notified that the loan was approved. Fast forward 2 months to mid-late XX/XX/XXXXafter much follow upon our part and we're asked to sign closing docs at a significantly higher rate that we only happened to notice in reviewing the docs closely. I REPEAT, NO PERSON EVER COMMUNICATED AN ADJUSTMENT TO THE ORIGINAL TERMS yet we were told to sign and return electronic signatures. 
I brought this to the attention of MB senior mgmt and after more than a week their best offer was for me to pay additional $ to buy down on a rate higher than my current mortgage. 
This is not acceptable to me and I request a better compromise.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AL)

Locked out of my account on Coinbase XX/XX/17. Filed ticket with support the same day. Ticket was not responded to until I sent direct message to coinbase support via XXXX on XX/XX/XXXX. No movement since. 3 weeks without access to a substantial sum of money that I would like to withdraw.
Consumer complaint received 2021-01-21
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

A woman named XXXX XXXX advertised an XXXX XXXX  on XXXX XXXX. She lied about it, collected {$250.00} from me on XX/XX/XXXX through XXXX, and never sent me a package and refused to give me a tracking number or a refund after lying and telling me she had and then proceeding to ignore my messages and block me on XXXX.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

i applied for XXXX XXXX  visa card inXX/XX/2021. i then rec 'd letter from XXXX XXXX  dated XX/XX/21 saying that, due to freeze placed on my sagestream report, they could not verify my credit, so they rejected my application. i dont know who they are, why there is freeze, and why one of the 3 bureaus ( XXXX XXXX XXXX ) wasnt used to run my credit. i then attempted to contact sagestream llc online and via phone. there is no way to reach human, phone is recording only. i then contect XXXX since they sent me the letter and apprarently work with sagestream llc. the person in " new accts '' i spoke with via phone at XXXX claimed that they had no idea who sagstream is and cant help me. he also said they use the big 3 bureaus so he couldnt tell me why XXXX sent me letter saying sagestream was used. i also ran my own credit reports at XXXX XXXX XXXX - there are no freezes and no issues that i can see. i also see on XXXX that sagestream has recd hundreds of complaints over last 3 years. same issue. they are totally sketch and need to be investigated now. as part of that investigation, their relationship with these banks needs to be thoroughly investigated. this feels like a joint effort to systematically deny credit.