davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

To : XXXX XXXX XXXX XXXX XXXX : You are claiming that I owe you {$260.00}. for the month of XX/XX/2020 for XXXX XXXX services. I do not owe you this money. Why do you keep saying that I owe this to the Credit Bureaus and to the collection agency " I. C. System? I do not have, and have not even had, XXXX XXXX XXXX XXXX XXXX services in over 7 years.
Consumer complaint received 2020-10-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CA)

Tuesday, XX/XX/2018, I received a letter from SIMM Associates , Inc. stating, " Your account has been forwarded to this office for collections. This is a formal demand upon you for your payment of this debt ; however, our client, XXXX XXXX XXXX has authorized us to attempt a discounted payoff of your current outstanding balance. '' They want {$1200.00}. I do not owe anyone this, especially not this much money. I have never heard of " XXXX XXXX XXXX '' nor of SIMM Associates. In other words, I suspect this is a scam.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/XXXX I viewed my XXXX XXXX  app on my XXXX report for Hard Inquiries and saw : XX/XX/XXXX, XXXX, XXXX XXXX XXXX. I didnot initiate a request from XXXX. On XX/XX/XXXX, I called XXXX fraud dept. and was told that XXXX XXXX XXXX XXXX is fake, and they dont show an inquiry being made about me on that date. They said they would not provide me with a letter and to contact XXXX. On XX/XX/XXXX I called XXXX and was told to make a police report for fraud.They gave me a file number, it is XXXX. Please help me. I just want this hard inquiry taken off my credit file with XXXX.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (FL)

Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my XXXX credit was pulled on XX/XX/ and then again on XX/XX/. Please remove these two inquires being reported on XXXX.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

This is regarding Citi Bank XXXX. 

On XX/XX/XXXX Citi bank agent told me that there was a promotion offer for {$500.00} if I open a saving account {$25000.00} with new money and keep a total of {$50000.00} in my account for only 3 months. I opened the savings account and kept the conditions as they told me, but did not receive the {$500.00} after 3 months. 

On XX/XX/XXXX I called Citi bank priority customer service regarding this issue and asked if I qualify to receive {$500.00}. The agent informed me that I do qualify for the promotion offer. The agent informed me that even if I close my saving account and transfer the money to my checking, I would still qualify for the promotion offer. The agent then proceeded to close my saving account and transfer the money to my checking account. 

A few days passed and I still did not receive the {$500.00} promotion offer as promised by Citi bank. When I requested it again, I received a letter stating that I can not receive the offer because I closed the savings account. 

This is not rightful action taken by Citi Bank. I was deceived and given incorrect information. I followed the conditions stated by Citi Bank employee. I brought {$25000.00} and opened a savings account and kept a {$50000.00} balance for 3 months. I even verified with the bank prior to requesting to close my savings account, in which the agent stated I would still qualify for the offer if I closed my saving account. 

The bank should pay right after the 3 month promotion period. I waited for 4 months then closed the account because the Citi bank employee told me it was okay. 

When I participated in offer, Citi bank employee told me I only needed to keep the account open for 3 months. She did not tell me that I needed to keep the account open. The customer service agent also confirmed that I did not need to keep the account open. 
If the savings account needs to remain open to get promotion offer, that is not a 3 month condition. 

This is a mistake by Citi Bank and they should give me the {$500.00} promotion offer as promised. The employees at Citi Bank should be well informed about their services in order to prevent giving their clients wrong information and from losing money.
Consumer complaint received 2022-11-30
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2020, I submitted a complaint XXXX regarding a Synchrony Bank account XXXX that never existed. 
This was not a problem with a purchase, but a criminal conspiracy involving a bank and a retail internet vendor to defraud a consumer. 
I am aware that investigations take time and effort. However, you have demonstrated your unwillingness to invest in either. 

In my complaint I provided documentation showing a pattern of complicity in fraudulent business practices by Synchrony Bank and Amazon on account ending XXXX. Apparently, Synchrony Bank has gone this route before and is quite familiar with the requirements to quickly close a case. 
They crafted a response based upon the information I provided in my complaint which you relayed, without having to prove anything. 

The Following are key to this investigation and would determine whether a crime was committed. 
( 1 ) What date account XXXX was activated and the telephone number used to activate. 
( 2 ) A copy of the original statement showing details of each transaction.

( 3 ) Copies of letters that were supposedly sent to me regarding the conclusion of XX/XX/2020, and XX/XX/2020 investigations. 
These were never received including the response you attached dated XX/XX/2020. Interestingly enough, I have received monthly statements and letters with incentives to settle the account by USPS. 

Prior to the summarized invoice dated XX/XX/2020, all correspondences and communication with Synchrony Bank were paperless with two-step verification or by telephone. I have since terminated both and communicate exclusively by USPS. 

I have a legal and moral obligation to pay debts that I incur. However, I will not be coerced, threatened, or blackmailed with attempts to destroy my a good name or creditworthiness.
Consumer complaint received 2020-05-10
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: Alpine Credit, Inc (NE)

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by Alpine Credit , Inc. This is not my account and needs to be removed from my credit report immediately.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2020, XXXX Escrow assistant contacted me in order to assist him in contacting Chase home mortgage for the payout. We did a 3 way conference call, and I spoke to XXXX, Chase mortgage specialist and asked whether she can fax or email the payout, and she said, " yes. '' That, she will email the payout which she lied and failed to do. 
Subsequently, at XXXX XXXX, the payout was neither faxed or email from Chase mortgage department. Again, I had to contact Chase at XXXX XXXX XXXX XXXX in order to obtain the payout. Apparently, I spoke to XXXX, mortgage specialist, and informed him that XXXX failed to fax or email the payout to XXXX Escrow, and I told him that she lied. XXXX provided me the payout of {$200000.00}. He informed me that the payout will be email to me and XXXX escrow which never happened. 
I am frustrated with Chase because the mortgage specialist are incompetent and not dependable. We are XXXX veterans and retirees. Chase failed to provide the XXXX XXXX the payout prior to the closing date. Chase is unfair and prolonging this payout in order to obtain floating interest.
Consumer complaint received 2021-04-23
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. (NC)

My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (MI)

I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I call US BankRelia Card about some unauthorized charges that was on my account. I was just told that I would receive a New Card in the mail within 5 to 7 business days. When I received my New card in the mail, I tried to activate my account and come to find out that my account is disabled and inactive to where I can not Log in my account. I called them to find out that They want me to send them proof of my identity and send them my W2 form. I sent them my information everything that they asked for and my account is still inactive. I have XXXX on my card account that I cant even use and Im being given the run around to receive my money l
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-10
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. (NE)

They are reporting a collection account on my credit report in the amount of {$40.00} is being reported by XXXX XXXX. This is not my account and needs to be removed from my credit report immediately. This is not my account.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I received an email informing me that a Venmo account had been created for that email address. Moments later, a second email indicated that a credit card had been added to that account, and shortly thereafter, that {$250.00} plus a fee had been charged. 

I immediately contacted XXXX, my credit card issuer to dispute the charge and close that account. XXXX is absolutely responsive, no issue with them. 

Since XX/XX/XXXX, I have been trying to contact Venmo, via email and their XXXX XXXX account, requesting that they close an account that I did not create. 

Because I can not provide the phone number used to create the account -- it was not my number -- I can not access the account. This is a flaw in the Venmo system, and evidently one they don't care about. 

I want Venmo to close the account. That is all. Ideally, the Bureau might investigate them as well, as they seem to have a reputation for ignoring hacking and fraud.
Consumer complaint received 2020-05-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 2020-10-12
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. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I want to complain about systematic false dispute '' " investigations '' by Chase Visa,  which deny and obscure facts to consistently find in favor of the merchant in disputes. Yet another example of this deliberate bias is described below. 
What happened : 1. On XX/XX/XXXX, I bought two tickets on British Airways  using my credit card at a cost of {$3100.00} 2. On XX/XX/XXXX, I changed one of the flights to an earlier one at a change fee cost of {$210.00} 3. On XX/XX/XXXX, BA canceled the new flight and put me back on the old one 4. Thus, the payment of {$210.00} was for a service that never happened 5. I am NOT disputing the cost of the tickets, I AM disputing the cost of a change fee for a change that never happened because BA canceled their own flight When I disputed this charge with Chase Visa, the card company misunderstood the case claiming that I HAD CANCELED THE FLIGHT, not BA. I corrected this in a written communication to Chase Visa ( attached ). I attached evidence of this - an email to me from British Airways ( also attached ). 

On XX/XX/XXXX, Chase Visa wrote to me ( letter attached ) with the result of its investigation, which reached an absurd conclusion : " We found the merchant provided the cancelation policy when you made the purchase and they dont have a record of cancelation meeting the policy guidelines. Of course, the merchants cancelation policy applies ONLY WHEN I CANCEL THE RESERVATION, it does NOT cover WHEN BA CANCELS THE RESERVATION!!!! Even a cursory glance at the merchants policy reveals this how can a complete investigation miss this? Of course BA would have no record of the cancelation meeting the policy guidelines THE GUIDELINES DO NOT COVER THE SITUATION WHEN BA CANCELS ITS OWN FLIGHT!!!! 

Chase Visa refused to return my {$210.00}.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?