davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (OH)

I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}
Consumer complaint received 2022-07-11
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)

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 In accordance with fair credit reporting act XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I have a credit card with Chase Bank ( JPMorgan Chase & Co ) known as the XXXX XXXX Card. In XXXX of XXXX I used this card to update my payment method for my XXXX subscription. At the time I made that change I received a notification within the XXXX app that there was a benefit for using this card for 1 free year of subscription for the XXXX offered by XXXX. 

I subsequently looked at the benefits of my card through Chase 's website, through the card benefits link for that card and verified that the benefit shows as " activated ''. 

Today XX/XX/XXXX I was reviewing my statements and realized I have been charged the {$9.00} subscription fee for each month since XXXX of XXXX ( inclusive ), currently 5 months of charges which were supposed to be free. Upon calling Chase to rectify the situation they informed me that a one year complimentary XXXX was not a benefit of the card. 

Additionally, Chase informed me that such benefit was a benefit of another credit card product which I just recently obtained. However, the activated benefit for the XXXX XXXX indicates that it is good through XX/XX/XXXX. This would be one year from the time it was activated. If Chase has ceased offering this benefit for the XXXX XXXX Card they need to honor those that already enrolled in it or at a minimum provide a notification that it was discontinuing. 

I am attaching screen shots showing the benefits of my card. I believe this constitutes a UDAAP violation to promote a product with benefits that don't actually exist or can't be obtained.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, my husband XXXX XXXX was approved by XXXX XXXX for 2 loan, 1 of XXXX and the Second of XXXX XXXX that was made in 2 deposits and both were deposited to the Citibank Account, when we went to the Citibank branch of XXXX XXXX to withdraw cash. XXXX XXXX asked to identify ourselves, so we did, after more than 25 minutes of not having a response from them, we left the Bank, later we try to withdraw money from the bank and they told me my account was blocked, I went to the branch located on XXXX, in XXXX XXXX, CA. they told me the account is going to be closed they did not explain why they just said you are going to receive a letter explaining why. My husband and I call customer service to know the reasons why they closed it, they did not said why this person was very rude We asked for information about the money that was in the Account, and they only told us that they would send us a letter explaining everything and that they would send us the money by check. 

From the month of XX/XX/2021 to date XX/XX/XXXX, and after several visits and calls to Costumer Service of Citibank have not given us an answer about the destination of the XXXX loan, they only indicate that as soon as they have a response, they will contact us. 

The last thing we knew was that the Account was put in Hold for fraud, which does not exist. They did not proved we committed any fraud since the beginning we identified ourselves and they themselves verified calling XXXX. We explain about that the loan, my husband XXXX XXXX met all the requirements for the XXXX loan. to be a creditor to this loan he met all the requirements for this loan application. 
From XXXX to this date my husband has been checking with XXXX if the money has already been returned to them to be redistributed to the new Bank Account, however the response has been that Citibank has not returned the money to them. Nor have they returned to us, and we don't have any statement or notice about this XXXX For this situation I ask you to be so kind to be able to help us solve this situation since the lack and refusal of responses from the bank indicate that they can act with all impunity and not give a response.
Consumer complaint received 2022-07-11
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. (MD)

THERE ARE XXXX DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX
Consumer complaint received 2022-08-15
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: LEXISNEXIS (NJ)

Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in XXXX  XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-15
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. (SC)

on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.
Consumer complaint received 2022-10-19
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)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investment consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : 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 Texas XXXX XXXX ) ; XXXX ( XXXX Texas XXXX XXXX ) ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ; Convergent Outsourcing ( XXXX  XXXX XXXX XXXX ) ; They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

On or around XX/XX/XXXX, I received a Vanilla Visa prepaid debit card as a gift. When I attempted to use the card to make a purchase on XX/XX/XXXX, it was declined by the merchant. This was the first and only time I tried to use this card. When I returned home from college for the summer, I looked into why the card did not work when I tried to use it and found the balance was XXXX. The reason for this was because there was a purchase made on XX/XX/XXXX, in the amount of {$100.00} from a XXXX user. I did not recognize this purchase nor did I authorize the purchase so I contacted XXXX and Vanilla Visa Gift Cards on XX/XX/XXXX. The representative I spoke with from Vanilla Visa Gift Cards emailed me a dispute form which I completed and returned via email the same day. The resolution I had indicated on the dispute form was a refund check. However, on XX/XX/XXXX, I received a replacement card in the mail instead of a check. I called Vanilla Visa Gift Cards on XX/XX/XXXX, and spoke with XXXX who said a check would be sent in 7-10 business days and provided me with case number XXXX. I still have not received a refund check.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Recently, I viewed my Discover credit report and found out that XXXX entered negative information about me that resulted in a XXXX point drop in my credit score. I called XXXX and informed them that their information was incorrect. I do not have an outstanding balance with XXXX and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and XXXX careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-11
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: CITIBANK, N.A. (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
Consumer complaint received 2022-11-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (NV)

Thank you for the response to my Demand Letter which had 2 parts : Part 1 - was to get affirmation from XXXX about non-foreclose action on my property. I received the answer saying that XXXX is not seeking to foreclose on my property. 

Part 2 - was to get XXXX release through " Quiet Title '' Acrtion. XXXX indicated that it was helpful that an amicable resolution of the debt can be reached if I decide to file Quiet Title Lawsuit. 

I left voice mail for the Corporate counsel XXXX XXXX by calling XXXX on XX/XX/XXXX at XXXXXXXX XXXX indicating my desire to not to spend my $ in legal lawsuit expenses. I realize that there was no need for XXXX to spend $ in legal expenses as well. So lets find a common ground to settle this dispute. 

The most inexpensive route will be that neither I nor XXXX involve lawyers. If that's the case I would present 2 scenerios : 1st scenerio : I let the debt run its own course since XXXX is not foreclosing, and I have nothing to loose. I donot need to dispute acceleration and/or ttermination. I can myself file quiet title in XX/XX/XXXX, under XXXX XXXX Court will order XXXX release. 

2nd scenerio : We setlle this debt ASAP for a reasonable sum that I can afford. In XXXX XXXX tried to settle the debt for {$65000.00} on behalf of XXXX AND I OFFERED {$30000.00}. I am unaware how much XXXX paid to acquire the debt from XXXX. This is a reasonable & rationale offer. Even though I will have financial difficulty but I will arrange {$30000.00} through my family and resolve this longstanding issue. 

SINCE THERE IS NON-FORECLOSURE ACTION GOING FORWARD AND IF YOU DONOT ACCEPT THIS OFFER, AFTER XX/XX/XXXX XXXX WILL GET NOTHING ON THIS DEBT. 

THANK YOU
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a checking account set up specifically for my renter to make deposits. I rely on this money to pay my mortgage for the rented home. I had a previous account set up where the renter would deposit the rent via money orders and there was no hold placed on the funds deposited. She makes the deposit via cashiers checks, all from the same issuer, all under {$500.00} each, for a total of {$2100.00}, much less than the {$5500.00} limit per Regulation CC and Funds Availability Act When I reopened the account earlier this year, Chase Bank now puts a 10 day hold on these funds even though nothing has changed. I informed them that all transactions are under {$500.00} each, for a total of {$2100.00} each month, which does not meet the banking criteria for a hold. They have informed me that its their choice to do that, EVEN THOUGH THEY DIDNT DO THIS BEFORE. I need these funds to pay my mortgage. By placing a 10 day hold on them now, the funds are not available in time to make my payment. Today, I went in to transfer the funds as the 10days have passed, and the banking system says my funds will be available on XX/XX/22, and they are still not posted to my account. This is ridiculous and outs an unfair burden on the average American who just wants to pay her mortgage with funds that should be available immediately because they are cashiers checks.
Consumer complaint received 2022-07-11
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: WELLS FARGO & COMPANY (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (OR)

I have never received a statement from this company. When logging into my credit report today, I saw that there are subsequent late payments dated to XX/XX/XXXX. This card was opened by my wife and was paid in full inXX/XX/XXXX ( {$0.00} balance ) - the last payment was assessed as " late '' by the company and she was charged a late fee. There have been late fees assessed on top of this late fee, as well as interest on the late fees. Again, the balance of the account was paid in full in XX/XX/XXXX - this balance due is just late fees and interest. I called XX/XX/XXXX to resolve this, was transferred 7 times and left on hold for 2 hours. There has been no attempt by the company to help me resolve this - the only time I was able to speak to someone directly about this balance due ( the second time I was transferred ) he told me his only job was to attempt to collect the debt, not tell me how the debt was accrued.