davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Fraudulent inquiries from Equifax is XXXX and with XXXX is XXXX XXXX XXXXXX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

the XXXX account does not have any delinquencies, and must not report on my credit report, i have already spoke to XXXX and XXXX, they removed this inaccuracy with the letter that creditor provided but experian has not removed this yet, please have this remove and help me to remove from experian. 
thank you
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

ERC is the company that sent the collection notice, dated XX/XX/2022. 

My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. 

The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. 

Thank you.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

The account holder settled the final bill with XXXX XXXX XXXX XXXX in full last XXXX 2016. XXXX XXXX XXXX  erroneously kept on billing the account although the holder requested closure of the account in XXXX, 2016 and vacated premised. 
XXXX XXXX XXXX continued to bill the account for the premises not occupied by the account holder. Account holder does not recognized the validity of the debt and requested XXXX XXXX XXXX to validate it that has not been done. 
XXXX XXXX XXXX transferred the account to the collection entity Harris & Harris in XXXX in error as the collection entity was advised in writing to stop any communication in regards to that disputed erroneous debt.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 I set up an international transfer to my account in the XXXX. The amount in USD was XXXX. According to Chase the amount to be transferred was XXXX GBP. They have held up this transfer for XXXX hours for review and now, according to XXXX currency exchange XX/XX/2022 this amount should be XXXX GBP. 

Although I realize that Chase is a business, they need to be a lot more transparent with their transfer fees, exchange rates and hidden costs. 

They are also holding up my transfer for 'review. ' Again, with absolutely no explanation as to why and I will not receive the adjusted amount for today 's exchange rate.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (FL)

I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

ATTACHED IS PROOF OF THIS ACCOUNT BEING DELETED! PLEASE FOLLOW SUIT AND DELETE THIS ACCOUNT AS WELL. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not be on my credit report. Here is a copy of XXXX findings and proof of their removal of these items. Pursuant to Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is complete.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

In accordance with the FCRA, Westlake Financial account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 Sec. 602A. states that I have a right to privacy ; 604.A.sec.2 also states that a consumer reporting agency can not furnish information on an account without my written instructions ; 15 USC 1681 5-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Continental Finance Company, LLC (NC)

Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.
Consumer complaint received 2022-11-09
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. (LA)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by T Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally prot consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Debt Account Number : Account Number : XXXX
Consumer complaint received 2022-10-07
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)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (SD)

Ordered bank statements for XXXX-current and was not told that the grand total would be over {$400.00}. Asked for assistance and was given a {$48.00} refund as courtesy. I also asked if they could cancel the order, to which they did not reply to that request. I feel I was taken advantage of. When I called, the customer service rep told me they were all available online. Why could n't someone send me a letter or a call stating as such before charging {$430.00} to my account that had {$90.00} left in it until XX/XX/XXXX. As a mother of XXXX this is unacceptable. I informed the bank this is for court purposes, as this is needed in the upcoming modification I am doing with my ex for child support. Please help.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,
Consumer complaint received 2022-11-09
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. (NC)

I have disputed this and complained for months! These XXXX have messed up my credit report and they still have not fixed the issue and Demand an investigation! 

I deserve to be compensated per statute. 

I can not he My credit score and have been ignored for months! Please apply statutory fines for equifax violating ny rights to access to my credit score! 

And Equifax is retaliating against me for disputes and is degrading my credit report please help!
Consumer complaint received 2022-10-06
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: LEXISNEXIS (TN)

The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 a account without my written instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX and Equifax are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-04
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. (CA)

I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AZ)

At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online account.
Consumer complaint received 2022-08-04
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. (IL)

Equifax received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through XXXX, a third-party credit reporting agency and or with the bankruptcy court directly. I contacted XXXX directly and disputed the bankruptcy in question after an investigation XXXX can not verify the bankruptcy so they deleted it from my credit report. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives Equifax information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to Equifax showing them that XXXX can not verify the bankruptcy and deleted the information from my credit profile. I also informed them if they verified the bankruptcy from XXXX and XXXX no longer reports this on my credit report they can not reveal how they truly verify the bankruptcy and it needs to be deleted according to the FCRA they have refuse to delete the bankruptcy after I have shown them proof that the bankruptcy can not be verified by XXXX and the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it either. After receiving my letter on XXXX where I give Equifax proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.
Consumer complaint received 2017-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letters to the XXXX XXXX last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..