davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022, I went to JP Morgan Chase ( Branch # XXXX ) XXXX  XXXX XXXX located at XXXX XXXX XXXX, ME, XXXX XXXX, XXXX, GA XXXX, to deposit a check in the amount of {$92000.00}. I specifically told the young lady greeting me that I wanted to open a savings account. She introduced me to Chase Private Client representative, XXXX XXXX XXXX. XXXX XXXX looked at my Chase accounts and informed that I already had a savings account, so I requested XXXX XXXX to deposit the funds into that savings account. When I left the bank I noticed that the check had been deposited into my checking account ending in XXXX. I immediately contacted XXXX XXXX about the error and requested he correct it ASAP. He informed me at that point it was too late. I informed XXXX XXXX I requested the funds to be deposited into savings for tax purposes. He inquired if the check was " income ''. Although this was no business of his, I told him it was not income. However, why should I need to explain where my funds come from? What makes a Chase representative think they can determine whether a customers funds should be deposited into a banking or checking account? This is another perfect example of the hazards of 'Banking While XXXX '. There appears to be a double standard when working with XXXX American consumers. This must be stopped immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2020-11-28
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. (TX)

I have sent IC Systems and XXXX requests about this collection being reported to see if this is even an actual true debt I owe, neither XXXX  nor IC Systems have sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XXXX  has removed this account from my report because they were not able to substantiate this account, so I am curious how XXXX is able to? Additionally, XXXX is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown XXXX  their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: LD Holdings Group, LLC (CA)

On XX/XX/2020. I did not authorize the charges to my account ; loan-depot stated that they need a credit card on file if I decide to use their loan services for an appraisal. immediately, I noticed two day later that they charged my account. I called and told them I did not agree to any appraisal and an appraisal was never done. I ask them to refund me my money on XX/XX/2020 I Also, called on XX/XX/2020 and XX/XX/2020. Also, I login to the site and send a message via their loan portal see attached section on the message History XX/XX/2020. Therefore, no services were rendered. I don't have an account with this company and I was just doing an inquiry with Loan-depot regarding a refinancing.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (CA)

On XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$300.00}. I've tried to do a complaint to direct express they told me they have nothing to do with it that I have to get ahold of my paying agency witch is SSA. I called SSA they told me that once the funds are on the direct express card.SSA is not responsible that direct express is responsible for my funds being missing. Their both giving me the run a round blaming each other so here I am getting a hold of you guys CFPD. .PLEASE I NEED YOUR HELP
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: EQUIFAX, INC. (GA)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MO)

I opened cell phone account with XXXX and bought XXXX Phones received them the very next day contacted XXXX and closed the account never opened the cell phones I mailed them back to XXXX and got a refund spoke with XXXX different manager and account was supposed to be closed and cancelled and I didn't owe anything. Well a year later att send me to collections for an account that should have been closed and paid in full and now refuses to remove it from my credit
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NV)

I am the XXXX XXXX individual and I received a voicemail for an employee that no longer works for this company. 

The voicemail stated that they are XXXX XXXX " mailing legal documents '' regarding " employee 's name '' then referred to the employee as " she '' when they are a male. They then stated to call XXXX with a specific reference # for additional information. 

I XXXX  this phone number and dozens of complaints are listed with identical stories, people are being told that they will be served with legal documents and to call for more information. This company comes up as Midland Credit Management.
Consumer complaint received 2020-05-22
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. (VA)

XXXX XXXX reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

My employer gave me a Money Network prepaid card to receive my paycheck. I work as an XXXX XXXX XXXX in XXXX XXXX. I live in XXXX, so everyday I have a 2 hour commute. On XX/XX/2022, I tried to withdraw {$600.00} from my account, and the bank denied my transaction. I attempted three times and it kept declining every time. Therefore, I proceeded to checking my account on the mobile app. This is when I realized there were multiple transactions that I nor anyone authorized did not do. These transactions occurred in XXXX XXXX when I live in XXXX. The total amount of money stolen is {$1500.00}. I called to customer service on XX/XX/2022. They said that they would send documents for us to file the claim. They also said we had 10 business days to return these documents. We received the documents on XX/XX/2022. We completed these documents and returned them on XX/XX/2022. Later, on XX/XX/2022, we received a letter where it states the following, " Based on the results of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we rely on in making our determination. We consider this claim resolved and your claim has been closed. '' After seeing this, my wife under my authorization called customer service on XX/XX/2022 at XXXX. A representative from Money Network said the decision had made through an algorithm under their system, and that our given time-frame had expired. Because our time-frame had expired and the algorithm stated the previously mentioned, they said we were not eligible to receive our money back. The representative said they received our documents on XX/XX/2022 ; hence, they said it had exceeded 10 business days. However, the letter dates XX/XX/XXXX which is definitely not 10 business days from the day we called nor from when I received the documents on XX/XX/2022. They also said to wait 45-90 days for another solution or to call the Dispute Department XXXX The next day, my wife called the Dispute Operations Department to request the documents they relied on, and the representative said she is unable to send those documents to call another department. I asked for the other department phone number, and she said she could not provide me with the phone number. In order for me to receive the documents, I was told I had to email requesting them. I did and I have not heard back. I am scared to continue waiting more time and lose my rights to get my money back. I do not understand how my timing expired if I received the documents to file the claim on XX/XX/XXXX and I returned them XX/XX/XXXX. I do not understand what documents they used to come to this solution.
Consumer complaint received 2020-05-22
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)

I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

They have reported the wromg balanceon my account and my credit score went down drastic 23 points. I have worked very hard to get my score where I needed it to be. This is very upsetting. Please correct the information and make sure my rights are and respected and protected
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XX/XX/2021 -- and a demand to comply letter on XXXX the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer
Consumer complaint received 2022-07-16
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: Affirm Holdings, Inc (TX)

Gentlemen, In XX/XX/2022 I was contacted by a company named Affirm saying I owed {$29.00} for a XXXX  XXXX  charge of {$290.00} of which {$260.00} had been paid. I advised I have no knowledge of XXXX XXXX  nor have I done business with them or Affirm. I also requested they send me details of the charges on at least 5 occasions and they refused. They continued to contact me, excessively, which I believe to be harassment of the elderly. They also threatened to report me to XXXX and/or other reporting agencies. Again, I told them I have an excellent credit rating but will not pay a bill with no transaction proof or information. They couldnt even provide information on who paid the {$260.00}. They seemed to have a great deal of information about me but none about the alleged charge. There is also no record of XXXX XXXX or Affirm making a credit inquiry. Is it not customary to check ones credit before extending credit? The only thing on my report is Affirm reporting me to credit bureaus for a late payment of {$29.00}! 
I believe this is either a scam or dirty business tricks on old people.
Consumer complaint received 2021-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

After taking out Direct Parent Plus loans to put my daughter and son through college, I am fed up with the treatment and- let 's just say it- lies that I have been fed over the years. My payments have been on time and at the amount that I could comfortably manage. Two of the loans have been paid in full. I have taken advantage of the 0 % interest during the pandemic. Even with those measures, I still owe much more than I took out in loans. For example- one loan was for {$11.00}, XXXX. I have paid {$10.00}, XXXX and still owe {$6700.00}! Another example- a loan of {$12000.00} with {$7100.00} paid has a balance of {$15000.00}. As you see, the payment schedule with no confirmation and/or accurate counseling for forgiveness options leaves me with loans that I will never be able to pay off. 

This is year XXXX for me as a XXXX XXXXXXXX XXXXr. After hearing what seems like a million different things since I first took out loans to send my oldest daughter to college in 2011, my work in a low-income XXXX XXXXl recently qualified me for Public Service Loan Forgiveness XXXX From what my research tells me, I have probably qualified for this program- and possibly others- since that first loan was approved and dispersed. Rather than getting answers over the years in my many fact-finding phone conversations with XXXX and XXXX XXXX XXXX, I have had nothing but the runaround. One answer contradicted the next- sometimes within the same phone call. Yes- I took notes during these calls. 

Although I recently learned that I qualified for the PSLF, it was before the most recent changes to that program were announced. When I was notified, I talked with a counselor at the XXXX XXXX site to ask how my retirement after this year would affect this. I was told that I would have to continue working to receive the forgiveness because they do not count years of service ( I have XXXX qualifying years ). I was also told that I would have to start the 10 years/120 payments now since I just officially qualified, which would keep me in the classroom until XXXX. 

Because I tried in vain over the years to find out my options and make wise choices with the help of counseling through Navient only to receive bogus and ever-changing information, I feel that I have a case to bring to someone in a position to see that I finally receive some help. 

ATTACHED IS A COPY OF RESPONSES I HAVE RECEIVED OVER THE YEARS, WHICH ILLUSTRATE THE CONFUSING MANNER IN WHICH I WAS COUNSELED BY NAVIENT ABOUT MY LOANS.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP (TX)

SO I HAD LOST MY JOB DUE TO XXXX, ALSO MY HUSBAND GOT DIAGNOSED WITH XXXX AND WAS UNABLE TO HELP PROVIDE AND I LET THE MORTGAGE COMPANY ( SWE HOMES ) KNOW OF THE SITUATION AND IF THERE WAS ANY WAY I CAN MAKE SOME TYPE OF PAYMENTS AND THEY REJECTED. I WAS A FIRST TIME HOME BUYER AND I CAN'T BELEIVE THEY WERE NOT WILLING TO HELP ME IN ANYWAY..THEY SENT 1 FORECLORESURE PAPER WELL AT LEAST THAT I RECEIVED AND I DID NOT KNOW ANYTHING. I DID NOT SHOW UP BECAUSE I DID NOT KNOW I HAD TO GO OR WHAT TO DO. I HAD RECENTLY RECEIVED A JOB 2WEEKS PRIOR TO THE JOB AND I HAD TOLD THEM TO GIVE ME TIME. I WAS ONLY 2 MONTHS BEHIND. I GET A CALL 1 WEEK LATER THAT WE HAVE TO VACATE THE PREMISES DUE TO ME LOOSING THE HOME.. PLEASE THESE IS UNFAIR! ..THEY LEFT MY XXXX YOUNGER KIDS UNDER THE XXXX XXXX XXXX AND MY XXXX  HUSBAND AND I WITHOUT A XXXX. IS THERE ANYWAY I CAN GET IT BACK? I WAS SOO CLOSE TO PAYING OFF THE HOUSE AND THEY DID THIS TO US.