davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (CA)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and were subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-05
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 (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

on the day of XX/XX/XXXX of 2022 with the check XXXX I sent a check to my landlord in the amount of XXXX. I send it via mail from a postal office ( drop mail ). don't know how someone took the check and put his name on it and cash it as if he was the person on the check. I didn't realize this problem until the Landlord send me a later on XX/XX/XXXX advising that I was missing the payment of XXXX. I did call chase bank and report the fraud. now chase is implicated because I did not reported this issue before 30 days I cant have my money back. like I mention before I did not know about this problem before XXXX.
Consumer complaint received 2022-09-24
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX
Consumer complaint received 2022-06-08
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. (TN)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (NY)

On XX/XX/22 I submitted validation of debt to XXXX credit bureau for a unknown collection debt for i.c system for the amount of {$900.00} and i.c system have not sent my valid proof of debt I never opened a account with this company and i want this collection error removed off my report immediately its effecting me in a negative way that im not able to purchase a home.No Action Have Been Taking From The Credit Bureau Or The Collecting Party.None of the other bureaus is reporting this error on my credit reports
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

I have a Sam 's Club Account with Syncronicity Bank and they just arbitrarily closed my account without warning. I was also denied credit by them but they kept another account open with Care Credit and increased my limit. I always paid ontime using auto pay and paid more than my minimum payment. This has effected my credit score and my credit worthiness. This is a violation of my rights according to 15 U.S. Code 1681.
Consumer complaint received 2022-09-24
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times, I demand the accounts listed below be removed because I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (MS)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

ENHANCED RECOVERY COMPAN Last reported XX/XX/2019 {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on 2 million XXXX XXXX  members Option 1
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (VA)

I closed on my mortgage on XX/XX/2022. In the closure agreement it states that as part of the closing cost, {$400.00} would be needed for the escrow account. There after {$220.00} would be charged per mortgage payment to go into my escrow account for taxes. To be clear, monthly principal and interest would be {$1000.00} plus {$220.00} for the escrow and {$44.00} for the home insurance would be charged for a lump sum of {$1300.00}. 
My payments started in XXXX and I have not missed a single payment. There should be a total of {$1000.00}. 

On XX/XX/2022, I received notice of a property tax for {$1100.00} due on XX/XX/XXXX. I contacted my mortgage lender and they affirmed that they will pay it. On XX/XX/2022, I received notice that the tax had not been paid. 

After going back and forth, they claimed that I had no money in the escrow account and the can charge me more and make the tax payment. However, my paper bills show that my escrow account was funded. 

I am reporting this because they have mishandled my escrow account in some manner.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I recently received my consumer credit report from Innovis in regards to incorrect information they are showing. This information does not show on any other credit reports from other credit reporting agencies. The account is from " XXXX XXXX XXXXXXXX XXXX XXXX'. I have written them to correct this issue and have ignored my request to correct the issue by removing that information from my credit report. I filed a FTC report and included all my identification and they have ignored me.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Recently I was in touch with a potential buyer of a couch I was selling through XXXX XXXX. The scammer messaged me on my XXXX XXXX saying they wanted to buy the couch but said they needed my information first. After multiple conversations about the transaction, I received emails from XXXX, which ended up being a fake email account, that said I needed to send the buyer money so I could be reimbursed the money sent plus the money for the couch ( {$500.00} ). After sending the buyer {$1500.00} total, the account I was messaging was deleted and I did not receive any money back in return for the couch or from what I had sent them after many emails from XXXX saying that I would. I have been in touch with Wells Fargo about this but they have declined to give back any of the money after the investigation was completed. Wells Fargo did not ask for any information about the fake account or emails they just got my verbal explanation and claimed it was a consensual agreement to send the money which it was not.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

With : XXXX XXXX XXXX XXXX, the Commercial Revolving Charge Card On XXXX XX/XX/XXXX I attempted to use the Online ( website ) portal to pay my outstanding Statement Balance. I have successfully completed payments towards my Credit Card in the past. The outstanding Statement Balance was {$17000.00}, the Website was active enough to permit me select Statement Balance, however when I clicked on Submit Payment it NEVER communicated Payment Successful or Complete. 

I then processed to use the Toll-Free phone number to complete my payment Home Depot Credit Services has the Software Algorithm configured wrong that it permitted the Automated Computer system to Duplicate the ACH electronic transfer of funds and not only zero out my Credit Card Balance but put the card into what they reflect as a negative value ( Over Payment ) of Over {>= $1,000,000} as of the XXXX XX/XX/XXXX. 

Home Depot Credit services does acknowledge this and lets the consumer request a refund but then provides me with the completely unacceptable approach as the solution Thank you for your message regarding your account. Your refund request will be processed on XX/XX/XXXX. Out policy is to have last payment made posted to account 10 days before issuing refund. You can expect your refund check in 7 to 10 days from XX/XX/XXXX to your business address. Thank you for being a valued customer. 

Not only should Home Depot Credit Services Payment Process not be configured to permit such a thing but to NOT USE ACH to return the acknowledged Duplication immediately is unacceptable from an approach of handling Consumers Money
Consumer complaint received 2022-09-24
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 FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a Citi XXXX Checking account for the sole reason of the sign-on bonus they offered. I qualified for a {$1500.00} bonus as my deposit was between $ XXXX. I was denied the bonus because they said my W9 was not received timely and therefore my account was never deemed 'opened '. The required criteria to receive the bonus, per their terms on the website is as followed, along with my personal applicable dates. 

1. Open an account & Enroll in the new to Citi Cash Bonus Offer - Opened account via the Bonus Offer link on XX/XX/XXXX. 
2. Balance deposited as of the XXXX XXXX is the amount eligible for the bonus ( or potentially XXXX day depending on digital status ). 30 days would be XX/XX/XXXX. Only XX/XX/XXXX - deposited {$200000.00}. Balance remained at XXXX on the XXXX day and XXXX day. Meeting criteria # 2.

3. Maintain balance for 60 calendar days after the measurement date in # 2. 60 days after that latest measurement date would be XX/XX/XXXX. My balance remained at {$200000.00} ( plus interest ) until XX/XX/XXXX. Meeting criteria # XXXX. 
4. Bonus offer will be paid within 90 days after completing all activity ( XX/XX/XXXX ) - My account was opened at this time. 
5. U.S persons must furnish a W-9, accounts subject to backup withholdings do no quality.

I submitted my W-9 in XX/XX/XXXX. Well before my schedule bonus payment date. Nowhere in the terms does it stipulate the W9 must be received for an account to be deemed open. I would not be subject to withholding taxes unless the bonus was paid, therefore implying the W9 only need to be furnished before payment. 

If my account was " not opened '' they would not have accepted my {$200000.00} deposit. The W9 timing is a trick to avoid paying the advertised sign on bonus. 

I have started to move my funds out of Citi as of XXXX and will move to close my account as soon as possible ( though even that is proving difficult ) as I do not wish to let a shady company continue using my cash for their own gain.
Consumer complaint received 2022-09-24
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)

Equifax, XXXX, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my XXXX credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.
Consumer complaint received 2022-09-24
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. (KY)

I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and Equifax XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-07-04
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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. 
XXXX XXXX XXXX Balance {$360.00}
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

PayPal allows a money request that includes details right in their recent activity section of a personal or business account on their website that includes a phone number ( for reporting fraudulent activity ) that is direct number to a sophisticated scam.

The scam involves refunding the amount requested but mistakenly adding a XXXX to the amount, which shows up in the account of the person receiving the refund. 

The scammer proceeds to guilt that person into trying to return the over-refunded amount before the operator gets in trouble. Then the operator tries to convince the person receiving the refund to return the over-refunded amount through nefarious means by XXXX  machine or gift cards. I'm told this is an old scam. 

I am complaining that PayPal knows of this scam and yet has not done anything to prevent it. PayPal is supposed to be a trusted banking system. I spent hours over the period of several days trying to address this issue with PayPal. They strung me along and made promises, but didn't even call me as promised, to discuss it.

There is an article on the web that describes this scam, and many comments in various places about it. A banker I spoke with at XXXX XXXX was familiar with this scam. 

There should NOT be a direct phone number to a scammer posted within PayPal 's official website. It would be a simple thing for them to stop a direct phone number to a scammer being posted in their site. They have been aware of this problem for some time and have not attempted to correct it. I believe that makes PayPal a participant in fraudulent activity.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I hold a Chase Sapphire Reserve credit card. This card provides travel delay insurance. I had a claim in the amount of {$700.00} for this insurance as a result of a cancelled flight. The claim clearly qualifies for the insurance benefit. I have submitted documentation multiple times to the insurance processor that Chase has elected to use for this card / product. They continuously attempt to find reasons to request ever more information and avoid paying the claim. I have clearly established the validity of the claim numerous times. They do not respond to calls and are clearly engaged in a pattern of avoiding payment. I understand that this is a broader problem with them. This is an ongoing fraudulent practice by Chase and the insurance processor that needs to be addressed.