davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (MD)

XXXX XXXX XXXX has been stealing money from me and my mother for at least the past XXXX years. He has filed my 2019 tax return, received fraudulent unemployment insurance funds in DC and Maryland under our names. Mostly he uses my XXXX account, which he made into a merchant account, to place charges against our accounts and receive funds which he then transfers into his own account. I have already filed complaints with the Federal Reserve Board and the IRS. I have also filed complaints with my local police departments in DC and Maryland, DC report number XXXX and XXXX XXXX XXXX report number XXXX. The target is XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in XXXX. My mother 's phone number is XXXX. My email which I just had to create is XXXX. It used to be XXXX. I am a XXXX in MD and DC. He has infiltrated my attorney filing system accounts ( Maryland E-filing ). This man used to be a family friend and has known me since before I was born so he knows all of our personal information. He has stolen at least {$87000.00} from us. I am in still in the process of marshalling evidence. I have downloaded a lot of data but this man is able to infiltrate into my home computer and either rearrange and/or delete my evidence. I am able to include some however which I am uploading now. I hope to receive a report number so I may supplement this complaint later with additional evidence.
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. (PA)

. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a detailed explanation of the charge-off, including the original amount owed, any interest or fees applied, and a breakdown of the calculations leading to the charge-off. 

Additionally, please provide the following : Proof of Debt : Documentation showing the validity of the debt and the amount claimed.

Charge-Off Details : Clarification on how the charge-off was determined and any attempts made to collect the debt prior to this action. 
Please consider this request as my right to dispute the debt and verify its accuracy under the aforementioned laws. I expect a response within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (TX)

I called to see if Sallie Mae could give me a student loan based on my unique situation. The woman I talked to said that I could and that she could fill out the application over the phone. I asked for {$5000.00} for one semester of school. 

The application was set up requesting {$28000.00}. Obviously it was declined. I called back to get it fixed and was told all that could be done was to redo the application - causing ANOTHER unnecessary credit run. This was totally their fault and I was told there were no options to have it fixed. 

My income is XXXX XXXX XXXX  year - a {$5000.00} loan should have been an automatic approval. But because their associate decided to inflate the request to a completely ridiculous degree, I will not be able to get a loan now to finish up my education.
Consumer complaint received 2023-07-25
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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-27
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: GOLDMAN SACHS BANK USA (SC)

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. 

Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. 

As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud.
Consumer complaint received 2020-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

On or about XX/XX/XXXX I received an email to receive a lower interest rate on purchases outside of Best Buy, offer ending XX/XX/XXXX. Then again in XXXX another email with same offer ending XX/XX/XXXX. 
I made a large purchase XXXX, XXXX. The following month my purchase received the regular interest charges previously agreed upon. 
I expected the above purchase to receive the promotional interest. When I called the company, I spent four hours on the phone, I was disconnected several times, I was told by Best Buy I needed to take my case to the card issuer ( Citi ). Citi followed the same protocol of disconnection and ultimately said they could not help and that Best Buy needed to correct my interest rate. 
I later spoke with a supervisor who stated the promotion ended XX/XX/XXXX and although, my purchase was in XXXX I would be subject to the higher interest rate. 
I questioned why they would send promotional email if the interest ended in less than 30 days. She could not respond and stated my account is subject to regular charges
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP (MA)

Earlier this year I was at the end of my auto loan with Key Bank. Due to a TYPO on my part instead of sending a payment for {$240.00}, I sent a payment for {$3200.00} key Bank considered the loan paid in full. The check for {$3200.00} was returned f or NSF. I took the hit on charges for the returned check. The amount was an over payment up to the point of the check being returned. key Bank sent me a check in the amount of the overpayment, but there was NO LETTER explaining the check. I called Key Bank and was told that they DID NOT send me a check and the check I received was fraudulent and should not be cashed. I called the check verification line and was told that the check was good and that I could deposit it into my account. Before I deposited the check, I had the bank call Key Bank Key, they were given the same information. Key Bank without notifying me re-opened the loan and 2 months later sent me a Notice of repayment and a statement for late fees. I recently received a statement with a XX/XX/XXXX, Due Date but received it 12 days after the due date. I tried to contact the bank through their CHAT, but no one was available to talk to me with any authority to look into the issue.
Consumer complaint received 2024-10-26
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. (NJ)

In Accordance to the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account DEPT OF ED/XXXX XXXXXXXX Account XXXX XXXX XXXX Account US DEPT. OF EDUCATION XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Logged into my account because I received my billing notice via email and the Payment Amount Due changed from {$310.00} to {$400.00}. 

I called Navient for them to give the reason for change in payment amount. First the lady said I was on a graduated payment plan which was not accurate, as I had changed payment plans XX/XX/2023. The payment plan states fixed payments of {$320.00}, however I paid off one of the loans in XX/XX/2023 so the payments were {$310.00} The lady then put me on hold to check with their accounting. She came back and said the payment increased due to the increase in the interest rate from Congress in XX/XX/2023. I told her my agreement was XX/XX/2023 for fixed payments. No where in the document does it state that payments may fluctuate due to changes in interest rates. 

The only language in the document is a disclosure that states : Review of Payment Schedule Periodically, we review accounts and adjust Monthly Payment Amounts to ensure that loans will be paid off within their repayment terms. We will inform you of any such change before the new Monthly Payment Amount is due. 

Navient did not contact me regarding a change in my monthly payment amounts. I received a monthly statement with zero explanation as to why the payment amount changed.

The payment plan is fixed payments. Again, no where in the document does it state that payments may adjust with changes in interest rates - because this is a FIXED payment plan. During the payment pause the interest rates went down. Did my payment amount go down? NO. It stayed the same FIXED payment amount and I paid it every month on time. 

Navient continues to practice their deceptive methods.
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

I am working with Freedom Mortgage ( Corp NMLS # XXXX ) on a refinance which started last month XX/XX/2019, and was supposed to close XX/XX/2019. Today is XX/XX/2019 and we have not closed. 

Freedom Mortgage will not respond to my requests as to why the loan hasnt closed. They have claimed that the loan is in condo review, but my commercial insurance company that insures the HOA ( that I own ) has sent them all of the disclosures, policy info, and questionnaires they have requested. I have also sent them all of my private home owners insurance info. 

It appears they have just decided they dont want to close the loan and are discriminating against me. I am not sure why as they wont indicate anything to me and will not return my requests for a status update. 

The rate lock we have is going to expire and I am not sure if I need to make my payment this month. 

I have No indication of the status and whether they Intend to close the loan or not. They wont communicate what is happening.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2020 at approximately XXXX, i tried to use my debit card to make an online purchase and received a insufficient fund on the website.I then contacted bank of america and was informed that after careful consideration my account was closed.My account was farely new and didnt get to enjoy the full benefits of my account.I also didnt receive the {$250.00} dollars that is being promoted for opening a checking account.I had two deposits made into my account and not once did i ever get the chance to spend my money.I dont understand how this bank is still able to make financial decisions, when clearly theyre in competent of understanding the needs of consumers. 
I spoke with a customer service representative by the name of XXXX XXXX who informed me that a cashiers check would be mailed to me with my remaining balance and i asked if i can pickup the money at the bank.I was then told she had to put in a request and wait for headquarters to follow up.I was informed it would only take 3 days. 

Today XX/XX/2020, i called account closing to follow up with my request and was told there wasnt a decision yet to be made on my account.I was then told to call next week and They would have an answer for me.I asked to speak with the supervisor by the name of XXXX, who didnt care what so ever about the money they are holding hostage from me.I was never informed as to why my ccount was closed and was told its based on bank of america policy they can close my account at anytime given.Ive never had a problem banking at any bank until i signed up for this account.Im truly disappointed with Bank Of Americas actions and would like my XXXX credited to me ASAP.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

On XXXX XXXX, I officially refinanced my 2024 car with XXXX. On XX/XX/XXXX, XXXX confirmed that the check with the full amount needed to pay of this car was delivered to Toyota Financial. I have since called Toyota about a dozen times to ask if they received the check. When I am able to get through to a human, they are very unhelpful and state that they are unable to confirm if they have received the check from XXXX. That said, they assure me not to be concerned, because it can take up to XXXX  days to process received checks. However, they told me that I must pay both Toyota and XXXX until they relinquish my car title. For that reason, I had to make a payment to Toyota Financial one week ago. I now have to make a separate payment to XXXX next week. I do not want to keep paying both car lenders with my car title held for ransom. It has now been a month since they have received the check and still no word from Toyota XXXX. They have also yet to send my car title to my new loan holder XXXX. This has been a horrible experience, and Toyota Financial has been beyond unhelpful.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (CA)

Despite informing credit bureaus several times of the case with XXXX  XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Truck was deemed a total lost XX/XX/year> XXXX XXXX said they can't find title my insurance company can't pay off loan with out title i am still paying loan out of pocket even tho vehicle is deemed total lost and reimbursement for money paid out of pocket because insurance and gap covers payments title is needed also
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

XX/XX/XXXX, XXXX I contacted the payoff dept of Lakeview Loan Servicing , LLC . They provided me with the payoff amount for our loan and stated the full escrow payment, including my insurance pay out would be dispersed within 21 days. They received the full payoff of our loan on Friday, XX/XX/2019. 
XX/XX/2019 - I received my escrow check for the {$2700.00} but not my insurance amt of {$100000.00}. I waited since I thought this might take additional time, and my family was dealing with a death in our family so it wasn't a top priority for me at the time. 
XX/XX/XXXX, XXXX I called Lakeview Loan Servicing , LLC . and spoke with several customer service reps to get an update on my additional insurance funds of {$100000.00}. After 1.5 hrs on the phone ( mostly on hold ) no one could tell me the status of these funds, if they were released, pending release or when I could expect my check. 
They stated they would submit a request to have a supervisor contact within 24-48 hrs. This is the 2nd major issue we've had with XXXX XXXX within 6 months. This company is way over due for an  audit to determine what steps should be taken to monitor their lack of business ethics to protect other consumers. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Hi, let me briefly explain my situation. Back in the month of XXXX, I got involved in this app called XXXX, I'm sure most people heard of this by now. Essentially, if you get new app referals, it counts towards winning big items like switches that were legit and everything. I was involved in this XXXX XXXX  server for a while and they had this system of verified sellers that would sell referals for people to complete their game. This one specific seller called XXXX sold new app referals and sold quite a few for some time and got the trusted seller role as he built his reputation. Eventually he started offering referal sales for a XXXX XXXX  to which dozens of people bought because he was trusted. I paid this guy {$120.00} through XXXX on XX/XX/XXXX, and he ghosted everyone who paid within a few days. I waited 2 days and I realized he left with my money and learned that others were scammed as well. I also reached out to XXXX  who only gave robotic responses as well as those online who had similar situations with XXXX. I filed a chargeback with my bank Chase and gave sufficient evidence in a PDF file that I was scammed as well as others and I did not receive my goods and services specifically. I was confident I would win the chargeback due this story I saw. 

XXXX XXXX XXXXXXXX I also learned from another person who was scammed on the PDF file, that she got her money back of {$150.00} with her bank XXXX. On XX/XX/XXXX, Chase contacted me for more information to which I specified I never receieved the referals that XXXX was selling, and I was just notified XX/XX/XXXX that my claim was denied, and their reasoning was because XXXX refused the claim and that there was nothing they could do.