davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (PA)

I haven't had access to my funds for almost 3 months. I have ordered 5-6 replacement atm cards and they never arrive. NEVER. I haven't had access to my money for way too long. I can't pay my bills, I can't eat. When I call I can't even understand the people on the other line. Very poor customer service. Even when you are really nice, they will put you on hold till you hang up, transfer you without warning to the wrong department, or make promises that never materialize. It's extremely frustrating. How hard is it to mail an ATM card to someone? It should only take 2-3 days. Meanwhile, they keep charging me monthly fees, XXXX $ for replacement cards, and won't let me transfer these funds to my bank account or any other account. How does this company exist? This is theft by deception. I need my money and they make it impossible to obtain it.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MD)

The consumer must give permission15 USC 6802 a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless a such financial institution clearly and conspicuously discloses to the consumer inheriting or in electronic form or other form permitted by the regulated regulations prescribed under section 6804 of this title that such information may be disclosed to such third party ( XXXX XXXX and XXXX ). Santander Consumer USA has nothing to do with them. They don't own those companies they are a non-affiliated third party. Neither XXXX XXXX nor XXXX, which are third parties, nor Santander Consumer USA provided me with any disclosure giving my consent. There are 3 parts to a disclosure A, B, and C. I never received B or C. Please provide me, along with XXXX  with the disclosure that I signed that says I permitted this company to report anything to those agencies. And the only Credit Bureau is XXXX. Please delete this entire transaction from all of my credit reports. This occurred XXXX and XX/XX/2024.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AL)

In early XXXX of this year, I recently applied for the Chase Ink Visa business card account and was declined given the reason : Business too new, '' despite having provided an established and valid EIN and a personal credit report which they obtained from XXXX that indicated a nearly top score. Additionally, they assigned me their own internal risk score of XXXX out of a possible XXXX. All possible indicators demonstrated extremely high credit worthiness. On XX/XX/XXXX, I wrote to Chase regarding this nonsensical decline, providing further evidence of the business 's validity, it's banking account information, secretary of state filings, federal EIN filings and proof of contracted, recurring revenue far above any reasonable threshold for credit issuance. After a few weeks, they reopened the application then closed it in mid-XXXX  with the same boiler-plate response of " business too new. '' I thoroughly reviewed all of their published requirements, terms and conditions prior to applying for this card, and nowhere is there any stipulation of minimum business age. After speaking with a supervisor of the responsible team at CHASE, I was informed of their policies to decline new businesses and that they refuse to publish those policies because they do not want to deter people from applying. It seems highly inappropriate for Chase to have executed a credit inquiry against my SSN for a product that based on their known internal policies was already predetermined to be denied. I requested that they remove the credit inquiry and the supervisor declined. 

This is an absurd and deceptive policy that seems designed to harvest information with zero sincere intent of providing the applied for product. I have zero interest in doing further business with Chase on this matter, at this point I simply want their ridiculous inquiry removed from my credit history. This is a simple request that they have no reasonable cause to deny other than seeming laziness.
Consumer complaint received 2023-01-19
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (TX)

Credit Bureau is reporting a 90 day late in XX/XX/2018 on ( XXXX/Dept of ED ). 
How can this account be 90 days late when it was on time the month prior. This is an inaccurate reporting. Please remove the 90 day late from my credit file and update this account to open, never late.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.
Consumer complaint received 2023-01-19
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. (TX)

XXXX XXXX XXXX has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
Consumer complaint received 2021-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OR)

I am wanting to figure out why the credit reports are not showing that my loan is up to date and in good standing. I recently have brought my account out of default and in good standing and was told that the new provider NELNET would report to the bureaus at the end of the month. I am still waiting for the reports to reflect a loan in good standing. I would like to have this looked into as I am working to get my credit reports strengthened.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

I filed a complaint on XX/XX/2021 ID:XXXX-XXXX  and it got closed but so far it did not got resolved they haven't refunded my money from the wire transfer so can you reopen this ticket until it gets resolve
Consumer complaint received 2020-11-17
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: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/XXXX I received a text message to verify a charge from my bank that was in fact not me. Upon receiving this, I checked my banking to see several charges I did not recognize. After that I went to verify my card was in my possession and noticed that both my XXXX XXXX and my Credit Card were not in my wallet. I shopped at XXXX earlier and I believe the cards were likely lost at the store or in transit to my house. 

Notified Chase of the lost card same day, a temporary refund was issued. about two months later the charges were re-billed as I " shop at XXXX often '' however several charges occured at stores I've never been to during times I was at work nearly 100 miles away. Chase, ignoring all of this information stands by their assessment these charges are valid. On a follow up call it was suggested that I go down to XXXX and get surveillance footage, something that should have easily been part of their " investigation ''. I am also able to provide detailed logs of where I was on these dates in question which will validate I was at work. 

I went to XXXX last week to secure footage as requested at which point XXXX notified me they only keep footage for 60 days, had Chase done their job right in the first place we'd have video footage of the criminals, instead they tell me more than two months after the fact that's my job to prove i'm not a party to the crime. XXXX was able to provide copies of the receipts from these transactions, so we at least have an itemized list of purchased items, Chase ( or an officer ) is welcome to come to my house and validate I do not own any of these items. 

Further, I am filing a complaint with the FTC due to the improper businesses practices on behalf of Chase in this matter. This is a very straightforward case of me losing my cards and someone taking advantage of the situation. According to the fair credit act ; My liability is to be limited to {$50.00} as I reported this fraud within 24 hours of becoming aware of said fraud. Additionally the FCRA explains in plain english that if the card issuer believes me to be lying about these transactions they have the burden of proof in doing so. Thus far the only thing Chase can provide as " evidence '' is I've shopped at a store that in 2019 had 94.5 Million members.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Sincerely XXXX XXXX
Consumer complaint received 2020-09-03
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. (MI)

XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
Consumer complaint received 2023-01-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-18
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. (MS)

I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now XXXX XXXX its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my account and have not given me any reason why, I have been researching online and seeing that chase does this often. I am assuming it is because i have recently received my retroactive payments from unemployment. They marked my account for suspicious activity and told me it was a final notice ; it will be closed. I have a legit unemployment account and I am not sure why they would not at least talk to me to try and clear up the situation. They told me that the account will be closed after 10 days and the money will be sent to me.
Consumer complaint received 2021-01-22
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. (IA)

XXXX provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. Equifax provided much of the same information.

I'm going to be sending screenshots and photos of the denial letters to prove my point.

Some are taken directly off of XXXX and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate.

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to?

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX  has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies.

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent.

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report.

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time.
7. Level of Delinquency on Accounts. What accounts?

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2.

10. Number of inquiries my have also adversely impacted the score. See number 5.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (LA)

I paid a debt that was owed for a hospital visit for my child on XX/XX/2014. I paid {$150.00}. I just received a letter in the mail from another debt collector wanting me to pay the remaining amount of the balance.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I have a Citi Accelerate Savings account with Citibank. Current balance is slightly over {$200000.00}. On XX/XX/XXXX, I contacted Citi by phone and asked them to close the account and remit the balance to me. I was told that I would not be able to electronically transfer the funds out to a corresponding bank account because the amount exceeded my monthly transfer limits. However, they advised that they could send me the entire balance by check through the mail and that there would be no charge for doing so. I was told to expect the check within 7 - 10 days. When 2 weeks passed and I did not receive the check or any word from Citi, I contacted them by phone again. This time I was told I would receive the check within 3 - 5 days. I still have not received the proceeds of my account. I am convinced that Citi has no intention of closing the account and that they have acted completely unethically here.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.
Consumer complaint received 2023-01-19
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. (AZ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (OK)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$27000.00}