davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
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: CITIBANK, N.A. (FL)

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2021-07-13
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 (PA)

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not yet resolved the issue. Below the company details : SYNCB/PAYPAL XXXX XXXX XXXXXXXX XXXX, MD XXXX
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

My legal identity is XXXX XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX, La., XXXX, my social has been compromised also, and only want this information on my credit report, legally everything else is considered fraudulent
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I used Sapphire Chase Card points to book a trip to XXXX ( XXXX Confirmation No. XXXX ) on XXXX XXXX. It was cancelled due to Covid-19. 
I received the money refund from Chase, but they never refunded my XXXX points to my credit card. 
I have asked 3 or 4 times for them to refund the points. Each time they assure they will do it and never do. 

I want my Chase Sapphire Account to reflect the correct points available.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial (TX)

I have tried to fix the situation with this company multiple times with preferred lease. I have already paid the debt in floating rate notes and the company is still trying to charge me. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding Preferred Lease to properly remit 1099c so that I can properly file my taxes. I am demanding that preferred lease send me a copy of the 1099c b for the debtor documentation that preferred lease has already transferred over to the treasury. Also i am demanding that preferred Lease contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
Consumer complaint received 2022-06-27
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. (TN)

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXX XXXX XXXX {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX  {$52.00} last reported XX/XX/22. 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 a account with out my written instructions.
Consumer complaint received 2022-06-27
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I AM BEING REPORTED 60 DAYS LATE IN XX/XX/XXXX ON A CAR LOAN THAT WAS PAID OFF AND CLOSED IN XXXX, XXXX. THIS ACCOUNT WAS NOT LATE AND HOW CAN IT BE REPORTED LATE WHEN IT WAS PAID OFF OVER 6 1/2 YEARS AGO? XXXX XXXX XXXX WAS THE LENDER, UNDER INSTALLMENT LOANS THAT ARE CLOSED, MAY I ADD AGAIN OVER 6 1/2 YEARS AGO. PLEASE SEE ATTACHED DOCUMENTATION.
Consumer complaint received 2022-06-26
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. (PA)

Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
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. (PA)

On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX   XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to XXXX that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.
Consumer complaint received 2023-01-11
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc. (KY)

The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email
Consumer complaint received 2018-11-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I came across a job scam situation where the criminal tricked me to deposit a bad check and telling me to give them a cashier 's check. As soon as I deposit a {$5400.00} cashier 's check on XX/XX/2018 to their specific account, I realize I have been scammed and I went back to my Citi bank to ask for help. The personal banker " XXXX XXXX '' just straight up told me she doesn't know how to help me and just gave me her business card tell me to go home and call costumer support. After I came back home and researched for the costumer support number, called in, the operator asked for the account I deposit to and telling me that she will froze my account and stop the money from going out and told me to call back and check the next day. So I called in the next day, they told me they can't see anything because my account is frozen, telling me to call back again. Therefore, I have been keep calling them back for about a week, at first, every time I called in they reassured me that everything will be fine and telling me to call back another day. Until they finally told me that the check was returned again and they didn't save my money. I felt that my bank has mistreated my situation and did not provide me the most appropriate help, and wasted my time, when I could have a more professional banker 's correct guidance tell me to go back to XXXX XXXX XXXX for a reverse transaction on the cashier check I deposited. Now my checking account is over drawn since I only left {$1000.00} in there and Citi is forcing me to pay back the rest to make up the lost of {$5400.00} or else they will do a debt collection and close my account.
Consumer complaint received 2022-06-26
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. (AZ)

I have found XXXX accounts opened by my ex girlfriend co worker and I have filed a FTC report on her finally. But i do fear retribution from her and her friend so I am not pressing charges but this has been going in for 2 years and has caused me alot of grief. I tried to dispute this in the past but am coming forward to put this to a close
Consumer complaint received 2022-06-26
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 have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.
Consumer complaint received 2022-06-07
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. (IL)

I paid off a collection account for a credit card I had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I got they sold the collection account to XXXX XXXX  and XXXX XXXX  I paid XXXX in XX/XX/XXXX with an agreement that this account would be deleted from credit report within 30 days. XXXX no longer reports this account on my credit but XXXX  does even tho it was a pay for deletionXXXX Aldo keeps changing the charge off date of this account. It currently says it was charged off in XX/XX/XXXX even tho it was paid in XXXX of XXXX
Consumer complaint received 2022-06-26
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)

In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-24
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: CITIBANK, N.A. (AZ)

On XX/XX/2018 a company called XXXX XXXX charged my citicard {$490.00} for an appraisal. I withdrew the application for the loan by email on XX/XX/2018. they did the appraisal anyway 11 days later. I disputed it with citicard on XX/XX/2018 and they gave me a credit. On XX/XX/2018 I received a letter from citi stating that the charge was valid and asking for further information to prove my claim that it was not. I sent a copy of the email that cancelled the loan dated XX/XX/2018. Sometime after XX/XX/2018 the charge again appears on my statement with a date of XX/XX/2018. There has been no further communication from Citicard prior to this charge appearing again! I have not received this statement yet but saw it online. This is not a valid charge and I want it reversed immediately! Thank you for your assistance in this matter! Sincerely, XXXX XXXX
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account ( XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ( XXXX XXXX ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-22
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: GOLDMAN SACHS BANK USA (FL)

In accordance with the Fair Credit Reporting Act, Apple Card/GS Bank USA has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-12
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. (PA)

i CONTACTED XXXX XXXX XXXX  BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE 3 CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED
Consumer complaint received 2021-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

Saturday XXXX 2021 I entered the Wells Fargo branch in XXXX, FL to withdraw funds from my account exactly {$4500.00}. I was told by the teller and branch manager that couldn't withdraw the funds and gave me absolutely no reason and told me to contact customer service. I asked the branch manager to explain the reason why because I provided the proper identification, and all my funds were available and my account had no issues. She told me she can only give me $ XXXX {$200.00} out of my account with no explanation. I eventually called Wells Fargo customer support and the support agent notified me that there were no issues with my account and no reason I should've been denied my funds. After speaking with the Wells Fargo support agent I was transferred to their complaint department while driving back to the bank branch so I can let the branch manager speak to the complaint department agent and explain why my funds were denied to me in the first place. I eventually was allowed to withdraw some of my funds after almost an hour of back and forth and still absolutely no explanation from the Wells Fargo branch to why I was denied my funds. I FEEL DISCRIMINATED AGAINST FOR ABSOLUTELY NO REASON AS WELL AS EMBARRASSED. I do have documents from the Wells Fargo complaint department and Wells Fargo executive office supporting the whole matter. I am seeking legal representation to this matter.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

The unknown inquires listed below are unknown to me and have shown up on my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-26
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. (VA)

In accordance with the fair credit reporting act 15 U.S.C 1681 section 602 A. states i have a 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 instructions.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

This is regarding my Charles Schwab brokerage account. My account been locked for online access since mid XX/XX/2022, I also have no access to any statement because they are also online. I gave called Charles schwab twice to removed the lock but havent gotten a response because it is under review. It is now XX/XX/2022. Theres no illegal activity on this account but they claim theres third party access because I used a family computer collectively. If this account is insecure, they should at least close the account and refund my funds back to me or back to my external transfer account They made no attempt to do so and just locked my account.