davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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. (CA)

it has come to my attention that this student loan is reporting numerous times on my credit report, all under the same account number. Not only are they reporting fraudulently but are also reporting late payments on closed/transferred account which is a violation of the FDCPA. the account needs to be verified, and provide me the proper procedures made to ensure the integrity of the account is accurate. if can't supply me with the procedures taken to validate the account I would need this tradeline to be removed from my credit report immediately and stop all collection activities.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX
Consumer complaint received 2021-09-24
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. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The erroneous account listed below is still reporting on my Credit Report : XXXX - XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2014 2014
Consumer complaint received 2022-08-14
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. (CA)

1 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXXXXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX. 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, Equifax and XXXX.
Consumer complaint received 2019-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On Saturday, XX/XX/2019 a post was posted by XXXX XXXX XXXX on XXXX XXXX for a washer/dryer. She said she would hold the item for a deposit. We are moving some time in XXXX, so holding an item until then is ideal for us. I messaged her and she said she would hold the item as long as we need. She requested I pay her husband on XXXX via $ XXXX ( listed as XXXX XXXX ). I confirmed this was her husband and I paid {$170.00}. The next morning, the post on XXXX XXXX had been removed completely ( not marked as sold ), and our entire exchange on messenger was gone. I sent her a message asking for her contact information for future reference and she will not answer. I have requested my money back from her and her husband with no responses. I have filed a police report and reported her to XXXX. 
I filed a claim with Chase bank and initially they said that with XXXX XXXX there is nothing they can do. XXXX XXXX support told me that my bank should be able to file a dispute. I called Chase again and re-expained my situation, so they filed a claim. Chase put {$170.00} into my account temporarily. I received a letter on XX/XX/XXXX from Chase stating they completed the research for the claim and found that the transaction was processed correctly or authorized, and they would be removing the {$170.00} that they put in. On the letter it stated I could contact Chase if I would like to request the information used in their research. I contacted Chase and requested the information, which they said had to be sent by US mail. I had already been denied an initial request for the information of their communication with XXXX XXXX for unknown reasons. I am now waiting for the research information, which does not sound promising.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Risecredit, LLC (FL)

I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. 

I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation.

After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. 

I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.
Consumer complaint received 2019-06-18
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: U.S. BANCORP (NH)

1 1/2 years ago my identity was compromised resulting in this on my credit XXXX US BANK XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (UT)

Navient has been servicing my loans for the past several years. Due to the unfair capitalization of interest that had already been credited from processed payments, I refinanced my loan through another servicer. The loan balance was paid in full on XX/XX/XXXX. I received the usual email from Navient on XX/XX/XXXX which indicated that another payment would be taken from my account on XX/XX/XXXX. I signed into my account to see what they were showing due, and the balance was {$0.00}. XX/XX/XXXX a draft came through my bank account from Navient, even though the principal balance is XXXX.
Consumer complaint received 2019-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (FL)

My home loan mortgage name is Capital Mortgage Services of Texas. I am paying mortgage regularly. My escrow is for paying for home insurance. My mortgage failed to pay on time. Today, called my home insurance ( security first ) and was told my policy was cancelled due to payment failure. 
I am very disappointed about my mortgage company failing to pay. 

I may be forced to look for another home insurance. HASSLE>..
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pharus Funding LLC (TX)

I received information form my XXXX XXXX XXXXXX/XX/22 that my checks will be garnish for a debt in the amount of XXXX. I contacted the number provided to me and this debt is from 12 years ago from XXXX XXXX XXXX. I never received any letter advising me to go to court. I provide a police report that identity was stolen. I do not feel I have to pay this debt when XXXX not sure if it what I even got. I have no paper work saying what its for and why. Please assist with this matter. My checks will be garnish for something over 12 years.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WI)

I started out by getting a catalog in the mail anonymously from XXXX XXXX I then impulsively without going through my payee opened up a credit line is my own guardian which I have the ability to do racked up a bill pay you was upset it's all paid off now XXXX sent me the items I ordered then after I ordered them and they were sent to me to return them in good condition they claim they never got them back so they charged me finally wrote off the account to Jefferson capital system 's LLC XXXX XXXX will not negotiate or work with me or my payee they were very unprofessional and dare I say threatening and rude I will never go through them again the interest rate was really high if anybody 's victim they were the criminal and I was the victim because they sent me and reached out to me and targeted me with the credit line and the actual catalog. Also Jefferson capital systems LLC worked with my payee and I only got it all paid off letter of confirmation is coming your way to credit bureaus to listen derogatory Mark of the XXXX XXXX account.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (SC)

Chime banking has taken money out of my credit builder transactions without leaving a paper trail and double charging it but I have screenshots of it taking money out when I first do the transaction then it pending for XXXX days, then when it goes through it takes the same amount out in the same transaction a second time after pending when it took it out to start. On XX/XX/XXXX I made a {$40.00} gas transaction and it took it out, pended for 2 days and went through the XXXX where it took another XXXX out in the same transaction after pending. The same thing happened XX/XX/XXXX where I got gas at a different gas station for {$20.00} which it took out that day from my account and it pended until the XXXX where it took another of the same amount out for the same transaction. Then again Saturday XX/XX/XXXX I got gas for {$19.00} and it was pending until XX/XX/XXXX to where it took the money when I first made the transaction the XXXX and then again took it out a second time on the XXXX when it finished pending but didnt say anything was taken out though after it was I keep track of my account and my credit account went negative {$12.00} because I had {$6.00} and some cent left in my account to see if it would do it after it finished pending and it did which put me negative. Ive called and disputed all 3 times and didnt get the {$40.00} charge disputed the first time, they actually made a dispute about the {$20.00} one and the money came back in my account from that incident without a paper trail just as it was taken out and the {$19.00} is still in a pending dispute after a couple weeks now though I provided them with screenshots of how I caught what was happening and where it took the money out twice in the same transaction. Theyre leaving no paper trail of it either unless you catch it in your own account and know your balance. I was only able to do it so well because I have notifications turned on that shows it was taken out when I first made the transaction then screenshots of it doing it again without leaving a notification just from it going through and that much being taken out of my balance. ( It was for gas in my car all 3 times but from raceway and qt, 2 different stations. )
Consumer complaint received 2022-04-15
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)

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

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

15 U. S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Trans world is placing items on my credit report that has not been confirmed or provided anything in writing to me. As part of the Fair Credit Reporting act, I am entitled to have information accurately displayed on my credit report. There is no new collection or past collection reported to myself. If it was fairly identified as a debt I owed it would never went to collections because I personally would have paid it. This is not identified as a credit account, loan, state or government lien. I demand it is fairly displayed as I do not have outstanding debt owed to Trans World or any of their affiliates. I want my credit scored returned to previous value as this is not a new collection.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF THE WEST (CA)

Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled? 
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me. 

We are unable to locate check # XXXX for {$1200.00} on your account. 

This can not be true. Can you help me resolve this problem?
Consumer complaint received 2022-06-05
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (WY)

I found out on the app, not an email or phone call my account has been frozen because it had negative balance. The negative shouldnt of been there because Im supposed to have overdraft protection but thats for different time. I called the fraud department which never answers a call you have to leave message and wait for call back. So I did this 10 times, no call. Finally a customer service rep says tge freeze will be lifted as soon as account is current. No problem, my direct deposit hit, I am paid once a month so I have bills to pay. Freeze still not lifted, no call back, customer service reps have sent emails on my behalf saying account is current and nothing. This is amazing that a fraud department operates this way. Now its costing me to be late paying because some lazy XXXX wont call me back or just hit a XXXX button. Im absolutely furious right now
Consumer complaint received 2021-12-21
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

I have had a checking account with Chase for 23 years. Last month they started charging me {$25.00} a month in Service fee. I called and complained about the new fee and was told in order to avoid the charge I needed to have {$15000.00} min balance or setup automatic mortgage payment. I have had my mortgage with chase for 12 years and have never been late. Chase bank refunded the charge, but then put the charged it again the next month. I called again, but was told they would not reverse the fee. When I opened the account there was no minimum balance or fee for not having automatic mortgage payment. When I went to the branch in person I was told there was nothing they could do, would not refund the fee a second time and I was told to close my account if I wanted to avoid the fee.
Consumer complaint received 2022-08-14
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. (CA)

On XX/XX/XXXX there were an account open in my name and social security number due to identity theft by someone who stole my identity. The account that does not belongs to me is on my Equifax report with the account number XXXX. The company name is XXXX XXXX that is reporting this Equifax. The account is listed as a charge off in the amount of {$780.00}. The account was opened on XX/XX/XXXX, date of first delinquency was on XX/XX/XXXX, and it is showing on my Equifax credit report every month. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX