davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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  Company Inquiries : 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 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is regarding XXXX XXXX XXXX. In 2017, my loan was transferred to another lender away from XXXX and XXXX refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as XXXX  is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into XXXX about this issue and spoke with Customer Service who confirmed that she was sending an email to a XXXX XXXX to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I reported fraud to my account and someone else went and contacted the back and stated that they didn't report it than it was going back and fort so the bank decided to close the cases and than turned around and stated that they are going to take the money out the account that they owe me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus overdraft fees that I had to pay
Consumer complaint received 2020-10-15
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. (FL)

There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (DE)

XXXX XXXX XXXX is claiming I have a {$3100.00} credit card debt from Synchrony/PayPal. I contacted PayPal on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the XXXX collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

Synchrony bank responded in writing, XX/XX/20 that they sold the account to XXXX, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from XXXX. 

I can not get PayPal, Synchrony bank or XXXX XXXX XXXX to provide any transaction details to this account. 

I do not believe it is my debt.
Consumer complaint received 2019-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

Hi, On XX/XX/XXXX - XXXX, 2019 I was contacted several times by Quicken Loans mortgage to apply for a refinancing loan. On XX/XX/2019 I did apply and after I was assure that I will get a better deal than my current mortgage situation, I applied for a cash out refinancing in order to consolidate some of my credit card debts. Based on my credit report, income, etc. the mortgage representative sent me the loan estimate and Uniform Residential Estimate. Based on the numbers provided I did agree to proceed with the condition that, these numbers won't change later. Two days later when, I tried to contact Quicken Loans representative with whom I started the loan, I was told that, that person left for a vacation trip and somebody else will take care of me. This was the first red flag. The new mortgage representative sent me a new loan estimate with different numbers this time and pushed me for signing the updated disclosure. Of course, I complained about the new changes, and asked to go by the first Loan Estimate numbers we agreed from the start. At this point I refuse to sign/acknowledge any document they tried to pushed it on me. I stated that it's not in my best interest and it was not what I was promised. From the start, I was assured that, if anything happened, I'm not happy or the loan won't close for any reason I won't be charge any money. It was not the case because I was charged {$400.00}  for the appraisal. I didn't close this loan or sign/acknowledge any disclosure, so I wonder why I was charged for a service I didn't receive? 
I believe Quicken Loans, through their mortgage representatives used a deceptive practice to lure me in with some " good deal '' and after that, change the Loan estimate 2-3 times, knowing that I will be pushed to accept their deal they'll try to offer me, which wasn't in my best interest. I tried a few times to contact them and ask for my {$400.00} I was charged for no service or any benefits received. So far nothing happened. I just want my hard work money to be refunded. Thank you for any feedback and help. 
Loan number : XXXX
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX  won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (MI)

GreenSky, a payment collections company, are trying to swindle $ XXXX out of me by means of XXXX XXXX XXXX XXXX XXXX a company I only received 4 laser hair treatments from, that I signed up for during their half off sale. I should have only paid {$200.00} all together, but GreenSky continues to harass me with bills. In total, they would be taking {$3500.00} from me for 4 half off laser hair treatments. I filed a dispute with GreenSky the first week of XXXX yet no one has got back to me. I also complained to the Director of XXXX XXXX and she told me she had nothing to do with GreenSky. I have complained to both XXXX and GreenSky that I became XXXX and was no longer able to come to treatments, and also, that they did not work. I have been battling both these companies for almost a year and a half. I paid what I owed, which was {$200.00} but they kept charging me {$75.00} per month so I have altogether paid GreenSky {$1000.00} and they are trying to collect {$1900.00}. I live off a XXXX check but all they want is money. Both XXXX and GreenSky are thieves. Even the director of   XXXX " didn't understand '' why my balance was so outrageous but told me she is hands off when it comes to GreenSky, the company that takes XXXX 's payments.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

So I was shopping around to get the best offer from 2 companies XXXX and Navy Federal. They should removed all hard inquiries except the last one before I bought the house with Navy Federal last XX/XX/year>. 
As per the actual credit report XXXX and Navy Federal remove these hard inquires.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

Im in the process of fixing my credit I never gave Navy FCU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to run my credit.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Google Compare Credit Cards Inc. (FL)

google pay g pay keeps threating my email XXXX if i dont pay them for more storage so i been getting charged over 30 times and requested a refund the email stoarge keeps recieving promotional emails adversitisemens spam junk mail with i have opted out many times and continue to unsubscirde I did everything XXXX suggested to stop all the unessary unwanted mail and the service they cliam to provide dose not work so I am asked to keep paying or I will not be able to use my email services its XXXX spam junk and promotionail emials i spend hours everyday trying to block XXXX XXXX claims to block things i have blocked many times they do not. i have documentaion of customer service chats phone calls and mail also cert mail i sent acount XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-02-10
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. (OH)

Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2020-10-07
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. (MD)

XXXX XXXX XXXX  is report on my that I have had 3 late  payments. My account was set on auto payment but for some reason it was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Servicer changed from XXXX XXXX to XXXX then to Nelnet. 

Nelnet was not able to provide me with a complete payment history of my loans. Loan payment amount should be over 30,000 dollars and report sent to me showed one payment in XXXX. I have been out of school since XXXX so I know for a fact this is incorrect but no data is available from the previous servicer. The website doesn't even exist anymore. This data should have been transferred with my balance.
Consumer complaint received 2024-09-10
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. (TX)

XXXX XXXX requested to have all old addresses removed from my account, accounts was never removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I have sent correspondence to the relevant parties more than 30 days ago, but have not received any response, nor have they adequately validated these entries. I am seeking your help to address this issue.
Consumer complaint received 2020-10-15
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: JPMORGAN CHASE & CO. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

For no reason, US Bank closed my account. When I called for an explanation, they stated they don't have to give one. The account was closed due to Terms and Conditions.

I don't know what means, the bank will not explain to me why the account was closed. I have rarely bounced a check to anything else.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been filing a dispute for an investigation with Equifax since XXXX. They have been stalling since XXXX by providing a letter stating that no identification has been provided it has been provided each time the following : Most recent utility bill, drivers license, social security card. Then I contacted Equifax when they sent a letter the second time in XXXX stating I didnt provided identification with my disputes so I sent a third in XXXX they sent a letter in 45 days stating again my dispute had no identification provided. I Made copies of what exactly I sent them, its unfair that they have been stalling with my dispute for now for four months. I know my rights as a consumer and they are stalling. Please look into this at your earliest convenience
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I ordered merchandise from online store XX/XX/XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XXXX XXXX, 2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On Sunday XX/XX/XXXX at XXXX, I was notified that I had a transaction of {$120.00} at XXXX. I was worried because I did not make any transaction that big recently. I tried to send in a dispute that night but it told me " please wait 3 days due to this being a pending transaction ''. 

So I waited 3 days and contacted chime support by phone. I had proof of an XXXX support chat saying that this transaction was made with another XXXX account and not mine. 
I was told during the call if I had any attachments such as proof, to add it to the dispute in the app. After the call was done I had received an email saying the dispute was created but there was no option on the dispute in the app to add attachments. About less than an hour later the dispute was declined. 

I had spent all night looking, trying to see how this transaction was made so I could get some proof at least to add to the dispute. I surprisingly found that I had another XXXX account but I could not log into it because it contained my old phone number which I do not have anymore. The person who purchased {$120.00} worth obtained the phone number and basically had free access to the account with the debit card linked to it. 
I logged into the email that was linked to the XXXX and saw the purchase confirmations to an address in XXXX which is not where I live. 

I screenshotted evidence such as the order, them obtaining access to my account/resetting my password and XXXX support saying that I should dispute this right away. Contacted support again, reopened the dispute and sent the attachments to their support email to attach to the dispute. 
Less than an hour later, denied again.