davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX , XXXX, AL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Consumer complaint received 2019-02-03
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: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Consumer complaint received 2019-02-03
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 an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.
Consumer complaint received 2020-01-18
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)

With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX and another XXXX XXXX all are reporting this debt on credit report.
Consumer complaint received 2021-01-08
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. (FL)

I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

In about XXXX of 2018, I updated my Wells Fargo mortgage account to automatically withdraw {$490.00} from my bank account on a weekly basis. I elected that {$130.00} of each weekly withdrawal go towards additional principal, and the remainder going towards additional principal. I noticed that after a number of statements, later in XXXX, that Wells Fargo was not processing my payments as I set them up on their website. They were processing most of the time three payments of {$490.00} to go mostly toward the total monthly payment ( total {$1400.00} ) and the  remainder of the three weekly payments ( {$56.00} ) towards  additional principal, a far cry from the {$550.00} that I elected. This resulted in a number of extra early payments that I did not authorize, since the monthly payments were paid every 3 weeks rather than every 4 weeks, and will have many more than the 1 extra monthly payment per year that I understand weekly payments will have. This will result with a lot more interest paid over the life of the loan and the payoff date being much later. 

When I contacted them about their errors, they responded on XX/XX/XXXX : " The funds from the weekly withdrawals are held in suspense until there are sufficient funds to complete a full month 's payment. As a result, the full monthly payment may post to the account prior to the fourth withdrawal. '' They sent me an updated amortization schedule with the additional principal being {$550.00} as I requested, and the payoff date being earlier where I expected it. In a follow-up message, they responded, " Please allow my to begin to confirm, your additional monthly principal withdrawn is indeed {$550.00}. Each time we withdraw {$490.00}, this represents one-quarter of a monthly payment, plus {$130.00} additional principal. '' The response is exactly how I wanted my payments to be applied in the first place, and I would have been satisfied if it were fixed there like he said. However, my most recent statement only has 3 payments of {$490.00} applied, and only {$56.00} towards additional principal.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. (CA)

With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX  and another XXXX XXXX all are reporting this debt on credit report.
Consumer complaint received 2021-01-12
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. (TX)

On XX/XX/XXXX I purchased two tickets on XXXX XXXX. This purchase showed as two transactions on my credit card, one for each ticket, even though it was a single purchase transaction. 
XXXX XXXX changed their ticket policy after these tickets were purchased, and would no longer guarantee an open middle seat. Since I would not have purchased the tickets given the new policy, I requested a refund from XXXX XXXX and was denied by them. 
I had to open 2 disputes with the credit card company, one for each ticket. One of the disputes was decided in my favor on XX/XX/XXXX and the credit card company credited my account with the entire amount of the ticket. The other dispute was denied on XX/XX/XXXX. I had provided the same documentation and information for each ticket dispute in a communication dated XX/XX/XXXX. 
When I called on XX/XX/XXXX another dispute was opened for the ticket which had been denied and I was told at that time that since one of the ticket disputes had been resolved in my favor that both should have been resolved in my favor. However, I was never credited with the second ticket amount. I inquired again on XX/XX/XXXX and was told again the second ticket would be credited but that the duplicate dispute should not have been filed and the original dispute for the second ticket would be reopened. 
Today, XX/XX/, I received a letter from the credit card company which stated " We no longer have any means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' I called them again and spoke to XXXX who gave me a completely different explanation and offered me {$170.00}, and I Informed her that I was going to file a complaint.
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

On Friday XX/XX/XXXX I received a letter from XXXX  that they were turning the servicing of my account to XXXX XXXX XXXX d/b/a Mr. Cooper effective XX/XX/XXXX. The letter further states that XXXX   must notify me 15 days in advance of this transfer. The letter is dated XX/XX/XXXX which is 13 business days prior to the XX/XX/XXXX transfer date. If they created the notification on XX/XX/XXXX and then mailed it its not possible that I would have even received it within 15 days of my transfer date.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

Aargon Agency is on my credit report. Ive tried calling Aargon and Ive also emailed Aargon Agency.  Aargon says on my credit report that they are collecting for XXXX. Ive called XXXX and I dont owe them anything. XXXX is in a different town from me and I havent been there in Years
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Chase JPM Credit Cards were closed without telling us. Chase refused to give over 23,000 Reward Points. We were in the XXXX, MA Office in person on XX/XX/2020 for over two hours. Chase was not very helpful in paying off the two Credit Cards. One was an Amazon Credit Card. How do we get the Rewards Points?
Consumer complaint received 2022-10-13
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 filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to XXXX5 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( XXXX ) No one can furnish information on my credit report with without my written instruction.
Consumer complaint received 2022-10-13
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. (MA)

XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late
Consumer complaint received 2022-10-13
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. (NC)

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide this information that is required by law. Also, when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX ACCT # XXXX
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (MN)

I called US BANK VISA on XX/XX/XXXX to inquire on getting a refund for airline tickets purchased on XX/XX/XXXX through a travel company for {$2700.00}. Due to Covid 19, I had to cancel our trip scheduled for XX/XX/XXXX. I called the travel company on XX/XX/XXXX to cancel the tickets and was told I had to call XXXX directly to cancel. I did and XXXX only gave me a partial credit. The travel company retained {$1200.00} of my purchase and said I had to use it for future travel. I called the travel company on XX/XX/XXXX and got a recording saying they are permanently closed due to Covid 19. I called US Bank the same day and reported that information. US Bank credited my account {$2700.00} and then charged it back on my card saying they didn't get my paper response. I did complete and mail in the paperwork requested and this was validated by other persons in cardmember services. I spoke with many people at US Bank cardmember services and I was given different information each time I called. I filed a complaint with the MN. Attorney General 's office. US Bank responded to their inquiry and much of US Banks response is not accurate. US Bank also said the 60 day TILA rule applies. I had asked US Bank how did I get a full refund on another purchase I had to cancel due to Covid and I did not file a claim on that purchase for 120 days after purchase. They could not give me an answer. My last call to US Bank on this matter was on XX/XX/XXXX and I was told that if I could determine when the travel company went out of business and if it was within 120 days of XX/XX/XXXX they may look at my claim again. I can't determine when the travel company went out of business. US bank has not been forthright with their explanations to me. I believe I'm due a credit on my account.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (KY)

In XXXX of XXXX and again in XXXX of XXXX Target reduced my credit limit, negatively affecting my credit score. 

I am a great customer. I member of both their XXXX XXXX debit and credit program, as well as the Target XXXX rewards. 

I make payments every month and most months make more than the minimum payment. 

The practice of lower my credit limit, despite there being no negative issue with the account, is impacting my credit and a hardship.
Consumer complaint received 2021-01-12
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. (FL)

Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (NY)

Selip & Stylianou , LLP Attorney at Law on behalf of Metro Portfolios , INC representing XXXX XXXX XXXX has subpoenaed my financial records and decided to collect the debt directly from my paycheck. My name is XXXX XXXX XXXX it is not XXXX XXXX this collection is illegal because it is nowhere on my credit report to be found i wasn't even given the chance to dispute the claim the uploaded court filing was sent directly to my employer
Consumer complaint received 2022-10-13
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. (NJ)

This is regarding a transaction dispute with case ID XXXX in the amount of {$250.00}. Credit card company is Citi. Date of original purchase XX/XX/2022. Date of dispute XX/XX/2022. 
I purchased a refundable air ticket with XXXX XXXX and within XXXX hours of purchase I contacted the merchant via phone for the ticket cancellation and a full refund. Per the cancellation policy the merchant stated that they would issue a full refund back to my credit card. However after XXXX months Citi still didn't post the credit on my account. Therefore I opened the dispute for the full amount of the charge. 
XXXX responded to the dispute by providing Citi with sales slips showing that they had issued the full refund of {$250.00}. However Citi determined that I was responsible for the charge. I disagreed with the decision and submitted additional explanation through email, which Citi received but didn't reverse its decision. I believe this was clearly an error made by Citi, but in the phone call the dispute department of Citi refused to reopen the dispute for further review.