davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at Equifax and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} XXXX for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My XXXX Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade XXXX  '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (TX)

My insurance company submitted a claim to the lender Global Lender Services on or before XX/XX/2019 following the date my car was deemed totaled. Myself and agent contacted the lender and we were informed a claim would have to be put in with them as well. As of this date, the lender and the insurance company were in contact. On XX/XX/2019 I was sent an email that stated the claim had been processed and my remaining balance was {$2600.00}. My payments are due the XXXX of every month with a ten day grace period. The week of XX/XX/2019 I contacted the lender to set up a payment plan for the remaining amount. I was informed that I would need to pay {$620.00} a month for the remaining amount and the only other option was to charge it off onto my credit until the balance was paid. I have no late payments and the lender had already received the insurance payout at this time. On XXXX On Friday, XX/XX/2019, I received a statement with a late fee. When I called into the leader I was informed I personally had not made a payment.
Consumer complaint received 2023-01-23
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. (NJ)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.
Consumer complaint received 2020-12-03
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. (MA)

Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

In XXXX of 2020 I applied for a mortgage with JPMorgan Chase Bank N.A. On XX/XX/2020 I received a letter from Chase with the terms of my mortgage. Since that original letter of conditional approval I have received several emails and phone calls from a Chase loan processor. I was advised to go forward with building a house and put a {$20000.00} deposit down and began the construction process. On XX/XX/2020 I received an email from Chase stating I was not approved for a mortgage. During this time frame I was asked in a phone call by the loan processor for a {$500.00} " Good Faith '' deposit to cover appraisal and title fees. I was told the {$500.00} would be credited at closing. I am seeking the refund of this fee. No appraisal or title work has been done since the home is not complete and I was not approved for a mortgage. I have also incurred additional costs in the delay of my closing for our home. I am not seeking the additional costs I've incurred at this time. I will be attaching several copies of supporting documents.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (CA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

XXXX Bank of America closed my accounts, and send check not honored, it ILLEGAL to refused to honor my cashier check I request the full value + the fees charge for XXXX honored check XXXX $ attached is the check Thanks
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

On today 's date XXXX XXXX 2021 Wells Fargo Credit falsely reported that I was 30 days late. In which I was only {$12.00} short on 12 of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On the day XX/XX/02 i was trying to make a withdrawal with my bank account from XXXX in a Chase bank. The amount that i tried to withdraw {$400.00}. The ATM did not give me my money and it said that i needed to call them about it. I tried one more time thinking that my money was still in my bank account. It gave me a receipt saying that I didnt have founds. 
Called Chase customer service and nobody gave me an answer.
Consumer complaint received 2021-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am writing about my student loan, which is serviced by Navient. I began repayment of the loan in XXXX when I was XXXX at XXXX XXXXXXXX XXXX, and I have been on an Income Based Repayment plan ever since. Since I spent XXXX years XXXX for the XXXX XXXX XXXX in the XXXX of XXXX, there were periods when my income was so low that my payments were {$0.00}. For the past XXXX years I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a decent job that has enabled me to make payments of around $ XXXX. Each year I file for renewal of my XXXX, the servicer goofs up, then I write to CFPB, and the payment is revised to be around $ XXXX. 

This year is the same. When I filed for XXXX and the servicer doubled my payments. I can not afford the higher amount and this will force me into default. I see the Department of Education has finally addressed FFEL loans like mine, but only for those in default. It is my hope that the Department of Education will do better than this. No one who holds a FFEL wanted to have this type of loan, and like me no one knew they were getting one. It was the discretion of the Department of Education to put loans like mine that were refinanced through them into either a FFEL or a DL. I would be halfway to PSLF if I had a DL, and I certainly thought I had one until recently. At age XXXX it is not realistic for me to start over on PSLF with a new DL, and I shouldnt have to. The Department of Education needs to make all FFEL loans work the same as all DL loans since it was their decision that burdens all FFEL holders. 

This year has been difficult for everyone. I started a new business XXXX XXXX XXXX in XX/XX/XXXX, but by the time I had obtained all the licenses and insurance the covid pandemic prevented me from commencing. I still have the rent, insurance, licenses, and other costs. I hope to begin classes this year but who knows when? 

I need to have my IBR payments remain around {$500.00} until my income goes up significantly. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I received a collection letter from XXXX XXXX and associates regarding a child that is not mine and I have no legal obligation to. 
My daughters friend was at our home and injured herself. Her mother does not live in XXXX she stays in Tennessee, therefore I took her to the hospital to be treated. 
When I arrived to the hospital I had to give my information for her to be treated as she is a minor. 
I should not be held responsible for this bill it should be the responsibility of the parents. 
I explained this to XXXX XXXX and XXXX and they are saying XXXX still legally obligated for the bill.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had credit card fraud on XXXX XXXX XXXX bank statement. Bank of America was notified immediately. I submitted documents proofing it wasnt me. I have a letter of resolution in my favor dated XX/XX/XXXX in my favor. It was then reopened in XX/XX/XXXX by Bank of America. Amount is {$1100.00}. My bank Acct 3 yrs later has been fraudulent confiscated by XXXX XXXX XXXX XXXX, in Ny. For the amount of {$3700.00} from my personal acct. I had not been served papers by o court of law. The fraud happened in NJ. XXXX was filed in NY. Ive sent them numerous docs proving my innocence. They repeatedly have taken weeks to call back & are extremely aggressive. Ive contacted a lawyer, & was told its going to cost me the same amount that was taken. How can people get away with double fraud? Its truly happened here.
Consumer complaint received 2021-04-21
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. (VA)

Mailed in a letter disputing the incorrect information on my credit report in regards to Ally charge off account in the amount of {$3900.00}. I have not received a response within the 30 days from Equifax in regards to this matter despite me mailing off my letter on XX/XX/21
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have an account with Citibank with roughly XXXX dollars in it. This is all of my money, I do not bank with anyone else. On XX/XX/XXXX I noticed that my credit card payments made XX/XX/XXXX were getting bounced back. I called Citibank and they told me that my account had been frozen since XX/XX/XXXX. They did not send me any notification in this case and when I called they informed me that they were closing the account and would send me my money in 30-60 days. This is the middle of a pandemic and if I do not get my money sooner I may die.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (FL)

Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc (TX)

First, I am a XXXX Senior with high underlying medical issues that is a HIGH RISK for the Corona Virus. CDC advised people of XXXX with High-Risk Medical Issues to stay at home. I filed a dispute of charge with Paypal but will not assist with the issue. Although the Pandemic Virus is deadly for me and no specific XXXX XXXX Policy for issues like this. I've had to skip monthly payments due to no additional funds coming in for me and creates a financial hardship. XXXX XXXX should refund the money on my Paypal Smart Connect Account because they are placing my life in danger to keep their revenue. 
Normally, I do not fly but wanted to participate in a Family Vacation. 
On XX/XX/2020, I placed reservations from XXXX to XXXX XXXX, CA for a cruise but there were more Senior citizen deaths, and more people diagnosed positive for the virus. I called XXXX XXXX to see how they were handling reservations with unavoidable issues. On a fixed income with a medical issue such as XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and mainly respiratory issues. I needed to cancel the flight and cruise ... unfortunately I would have lost over XXXX for the cruise and XXXX for the flight, Therefore, XXXX XXXX offered one option and that was a discount on the flight. There {$200.00} they could have refunded but would not so place it to be used on a future flight. I explained I do not fly so it would not benefit me but they would not refund it. On today XX/XX/2020, XXXX canceled the cruise because it wasn't safe for the XX/XX/2020 cruise. Fortunately, XXXX cared more about their customers and provided 2 options. I decided to request the second option of which 100 % refund. I do not understand why XXXX XXXX does not assist its customers, especially Very High-Risk Medical Issues. XXXX XXXX would rather risk the customer 's life than lose their bottom line/revenue.
Consumer complaint received 2022-02-03
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. (CO)

I have tried to access my credit report through equifax. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from equifax help me and they couldnt get past the loop either. Equifax has outdated information on my report with inaccurate account information that need to be disputed. 

XXXX wont remove an account that is XXXX years old. XXXX has locked me out of my account. There is a lot of inaccurate information on my transunion report.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (OK)

I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.