davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grain Technology, Inc. (KS)

Contacted this company via another forum as well as personally, to give them an opportunity to rectify this situation, yet they refuse to do so sadly. While checking my credit reports this account was added to all of them just last month, but it stated that I had used all of the {$500.00} credit limit, which is COMPLETELY AND UTTERLY FALSE!!!! They then tell me it was sent to my linked bank account, which by the way had been compromised and closed, due to fraudulent activity and negligence by the bank itself, with Grain being part of the reason for this. So I reported to both the bank and Grain, to which when Grain responded someone name XXXX contacted me back saying that I in fact withdrew the entire credit limit into the compromised bank account, and that there were no signs of fraud, even though I informed them of my bank account being compromised and my phone being lost/stolen, but yet they were persistent about me owing this {$500.00}. Since the conversation wasnt going anywhere I said I will pursue this till the bitter end, but in the mean time I didnt want it to be negatively reported on my credit, so how do I go about paying, EVEN THOUGH I SHOULDNT HAVE TO.but once I asked that, I havent got a response since.this was over a week or XXXX ago and its frustrating because Ive asked them already to handle this situation, but then they wont even respond to my request anymore, but will report me as being late on a payment that XXXX. ) I shouldnt have to make, and XXXX. ) on an account I never authorized to transfer anything on and XXXX. ) On an app that doesnt even work.I cant even get on anything because the app is so messed up it wont load or show anything anymore. Ive tried to link an account but it doesnt even allow me and they wont even bother responding now. They told me weeks ago that an Identity Theft Affidavit wouldnt even suffice, even though that is a legal tool used to prove identity theft, but instead they said they want a police report. My police department said there was little to nothing they could even do, and that filling out one could be done but wont make much difference in an investigation. THIS IS ILLEGAL, and this is your last chance to make this right, my attorney has been advising me and has made it clear that if this isnt rectified immediately, then litigation will commence against your company. First and last warning.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX 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 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I've attempted four times to contact XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX with written correspondence to validate the debt they claimed I owe since XX/XX/year>. Ive also contacted Experian in writing notifying this information. 
XXXX XXXX has informed me they have no contract on file with my signature certifying I'm the person who opened this account and/or of me agreeing to make payments of this account. Experian continued to allow them to report information knowing this as well! 
XXXX XXXX and XXXX XXXX XXXXXXXX has failed to report any information at all that these debts are mines or proof of any agreements made by myself. 
Experian has failed to uphold FCRA validation process by allowing them to continue to report negatively on my credit report.
Consumer complaint received 2024-10-02
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

I have purchased a violin case from Amazon for {$150.00}. I unfortunately did not realize there was a defect until after the 30 day a-z guarantee. 
The merchant will not communicate with me regarding a replacement. 

Amazon will not assist with the return, since it is past the guarantee timeline and they say the merchant is fully responsible. 

Synchrony Bank has not provided a resolution, with the reasoning of not having a claim submitted through Amazon. It appears there is no protection for the consumer to receive a defective product. 

My instruments are expensive, and I refuse to keep them in a case that opens on its own. I also believe it is unjust for a consumer to assume responsibility for a defective product.
Consumer complaint received 2020-08-04
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. (GA)

I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX
Consumer complaint received 2022-11-09
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. (GA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXX XXXX XXXX XXXX  ( {$2000.00} ) Account XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) Account XXXX XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Midwest Recovery Systems (MS)

they have called threatened harassed, had some guy call me and my wifes phone threatened, told us not to sue or we will lose. i sent them a letter of validation of debt no response in proof that i owe alleged debt. they just threatened and harassed more
Consumer complaint received 2023-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

A full payment that was due on the account on XX/XX/2023 was scheduled to be paid for XX/XX/2023. On XX/XX/2023, the online portal that PHEAA releases to those for managing their account falsely advertised that my account was delinquent despite the payment being made online ON THE DUE DATE and FOR THE DUE DATE. 

This is an ongoing pattern and happens every time payments are made. PHEAA ignores and disregards the issue and tries to intimidate me for making CFPB complaints about it in the interim. If I call in or submit Customer Service Inquiries about the issue, I am met with responses that deflect the issue and Agents will respond with statements that they have no control over the issue. 

I have had to complain about this so many times. Unfortunately, unless and until it is corrected, complaints will be submitted. PHEAA needs to stop blaming the borrower and defending their dodgy behavior for the terrible decisions and policies that were made by idiots running that organization.
Consumer complaint received 2024-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I received this Vanilla Gift Card and attempted to use it at several merchants, both online and in person. Every time the card was declined which is not only embarrassing, but also frustrating as this is {$100.00} that has just disappeared. When I contacted the company, I was told the card was frozen due to too many declines. They offered to send me a new one, I asked for a list of stores where this card might be valid, and they told me I should be able to use the new card anywhere. When I received the new card, I attempted to use it multiple times with the same result. This is so frustrating and the company is no help. Their suggestion was that I try to use it everywhere until it works which is a complete non-answer to me. The person who gave me this card has been defrauded out of {$100.00} and I have nothing to show for it.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.
Consumer complaint received 2021-02-12
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. (NY)

I've been disputing fraud accounts on my credit report sinceXX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My name is XXXX XXXX, my servicer is Nationstar mortgage XXXX mr cooper, I am working with a certified HUD counselor who has been mediating between myself and the lender, the lender agreed to allow payments from a local county grant in the city of XXXX ca to send a {$12000.00} payment and, said I can also send in {$5000.00} to lower my balance so I could qualify for a state grant called California mortgage assistance. The lender said they would hold the monies in a suspend account and would not send it back, they asked that we place it to the attention of XXXX XXXX we have complied, on XX/XX/2022, I received a notice from the lender stating they have returned the monies sent to the local grant distributor, after an agreement was in place by the HUD counselor and the lender, saying they would hold it, this is the 2nd time monies were returned. I am trying to save my home and the lender has made it very difficult for me to resolve the past due amounts. I need to get this resolved each day we wait makes my account further past due. I also sent an additional {$5200.00} attention XXXX because a new payment was due. total sent $ XXXX by the city if corona- was returned by lender {$5000.00} sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions $ XXXX sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions
Consumer complaint received 2022-07-28
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. (TX)

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; U S DEPT OF EDXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$840.00} ; US DEPARTMENT OF EDU XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXC XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUSADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-03-23
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. (IL)

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

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

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I filed a dispute with my bank, U.S. Bank, over a problem I had with a hotel stay on XXXX. The credit was {$140.00}. They tried to close the dispute saying that the hotel credited my account but they made a mistake. They thought that my security deposit refund of {$100.00} was part of the credit. Then they completely fabricated a {$41.00} credit which never appeared in my account which is very concerning to me. They reversed my credit on XXXX 

I called the bank quite a few times about this and they keep telling me they will reopen the case and put the provisional credit back on my account but they never do. They are stealing my money.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX was victim of fraud by a caller from Chase bank They gave me case XXXX XXXX XXXX this was approved of the change of new card they said. 

They merge all oir personal and business account together. 
Moved a the money even from my neice account to the business And did XXXX transactions for {$10000.00} and {$7200.00} I got no calls from actual chase as these transactions looking suspicious. 

This happened at XXXX About I called chase to file a claim XXXX around. 

These transactions weren pending when i caught them and called chase On XX/XX/XXXX I close all the accounts and these transactions were still pending. 

After ongoing investigation chase comes back and advise that they close my case and it was denied.. 
Because thy fault it was done from my computer. 

I continued to escalate the complaint with executives and they said the same denied because they said it was done from the computer.. 
I told them that never do banking with my computer than they changed that it was my device. 

I filed a police report on XX/XX/XXXX I think their fraud dept could it stopped. They could it see all the suspicious transactions. 

I got no txt no call no email from Chase to ask me if I authorized these big amounts but yet I get emails later on that if I authorized small amount. I attached pictures of those..
Consumer complaint received 2022-07-18
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: DISCOVER BANK (CA)

I have recently discovered that there are fraudulent accounts that were opened under my name and personal information. I am not quite sure as to how this happened but the last incident that I can remember goes all the way back to XXXX of XXXX when my wallet was stolen from me when I was at the XXXX XXXX XXXX XXXX My debit and credit cards, Driver 's license and Social Security card were in that wallet. I had to obtain new cards after this incident and have not had any other theft incidents thereafter. Please help me clear this up. There are credit account and collection accounts that apparently showed up on my credit report that do not belong to me.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

I opened checking and savings account in Citibank on XXXX XX/XX/XXXX under a promotional scheme online because of covid in which if you deposit funds of {$10000.00} in checking and {$5000.00} in savings within 30 days of opening the account and maintain it for 60 days, then {$600.00} will be deposited in the account.After opening the account I called the customer care number to confirm if I have opened the account as per the promotion and if it applies to my account.The customer care representative confirmed that its open under the promotion.Then I deposited a check of {$15000.00} on XXXX XXXX and transferred {$5000.00} in the savings account from checking account on XXXX XXXX i.e. within 30 days of opening the accounts. 
After 5 months again I called on XX/XX/XXXX to confirm when the money will be deposited and the representative confirmed that I have fulfilled all the conditions of the promotion and money will be deposited in my account, but after around 6 months when I called on XXXX XX/XX/XXXX the representative declined that they can't see the promotional code in my account and money won't be deposited in my account and denied to give me the copy of the terms and conditions for the promotion that was going on in XXXX and even didn't register my complaint. 
I don't understand that how the initial 2 representatives confirmed that the account is as per the promotion and the last one after 6 months declined it.

I am shocked that you can not trust such a big bank for your funds, it's a very wrong way of increasing your deposits by luring customers to put their hard earned money and then not honoring the promotion. 
Also as the representative were not ready to raise a dispute a tried to put up a complaint through CITIbank mobile message us service but no response.Finally they accepted a complaint on XXXX XX/XX/XXXX, but with the experience I have after waiting for 6 months, I feel cheated and frustated that you can not trust such a big brand name.
Consumer complaint received 2022-07-28
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)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX