davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: Exeter Finance, LLC. (IL)

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (OH)

On XX/XX/2018, I purchased chicken breast from XXXX Store in XXXX XXXX, Ohio, using my XXXX XXXX Card to charge {$6.00}. Upon opening the sealed package, I found the meat to be rotten underneath. I attempted to return it within a few days, but employee XXXX refused, stating that no refund could be made for an opened package. This policy is against the public interest, as the consumer can not see all sides of the product without opening the package. I asked for the store manager, but XXXX stonewalled and said that the manager was not in the building. I contacted the credit card company ( TDBank dba XXXX XXXX Card ) online to request a credit. TDBank refused, stating that it did not have the power to refund. This is a highly anti-consumer policy - and probably an outright lie. I contacted XXXX Guest Relations online multiple times, which repeatedly also refused to credit my account. It is a disgrace that a national bank conspires with its merchants to deny consumers any protection against defective and dangerous products. TDBank 's national license should be revoked. Both organizations should be fined.
Consumer complaint received 2018-05-02
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. (IL)

i had disputed some personal information a few weeks later they granted and reassured me that the information would be deleted week after that the information was still on my report and they told me that when they do an investigation on fraudulent accounts they do not inquire or request additional documentation or information so there for i believe that to be hearsay information received from other people that one can not adequately substantiate other words a rumor discrediting degrading defamation of my character
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clarkson Law Firm, LLC (SC)

XXXX XXXX/ XXXX has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm Clarkson and XXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.
Consumer complaint received 2021-01-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

There is incorrect information from Navient that has been reported to the 3 credit bureaus. I have made 100 % of the payments on time when my account was not in deferment or forbearance. However, it is being reported that my worst payment status has been 120-149 days late. This is incorrect and the reporting needs to be updated and corrected.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally request the blocking and deletion of the following credit inquiries from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these inquiries removed to protect my credit. 
The unauthorized inquiries are as follows : 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 XXXXXX/XX/year>
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALTERNATIVE DISPUTE RESOLUTIONS (NJ)

I keep getting robo calls from the number provided with my name in it. It states if I am XXXX XXXX I need to return a call for a debt owed. Not once have I ever received any notice about a debt owed in writing which by law is required for issues of such. When I call back, they know who it is already, with out asking any information, they tell me they are not required to put anything in writing and it is becoming out of control. This is fraud and they need to be stopped
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX I CONTINUED TO RECEIVED REPEATEDLY ROBO RECORDED MESSAGES ALL THROGH OUT THE DAY XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX XXXX XXXX  ) ( XXXX ) RECORDED MESSAGE XXXX ( XXXX XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE THESE ARE ALL ROBO CALLS
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I find the idea of banks dictating Government policy through their lending and commerce practices to be wrong. These are the same banking institutions that received Billions in Tax-payer bailouts due to their own negligence. 
The banks were rewarded for their efforts to destroy the economy, while consumers were punished. Now they want to control the firearms industry through policy changes, an area they have no jurisdiction.
Consumer complaint received 2020-05-04
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had a dispute with a seller about a transaction which I initiated through Paypal and then initiated a chargeback through XXXX. This was done on XXXX, XXXX. Fast forward today, paypal claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from paypal or visa either. In addition, XXXX claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and Paypal and XXXX does not have them. I tried to speak with Visa before and they told me to speak to XXXX, who again, is telling me they can't contact Visa. 

When contacting Paypal they are incredibly unhelpful. For example they are sending me messages ( even meant for the seller ) saying that the transaction has no seller protection ( even though the Buyer ) In summary - The buyer ( me ) doesn't have the funds. The seller ( siegestudios ) doesn't have the funds. Paypal claims they don't have the funds and sent the money to chase. 
XXXX claims they don't have the funds. Paypal is telling me to contact XXXX because the case is closed. XXXX is telling me to contact paypal because the case is closed. 

Where is the money???
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NV)

Have been struggling to pay my mortgage for the last two months due to COVID-19. My wife is laid off and we are having trouble making ends meet. I called Quicken loans in XXXX and XXXX to discuss a deferment. I was told both times that the only thing available is a forbearance which doesn't help anything if the payments are due at the end of it. I and millions of other hard working Americans need relief during these trying times. Not a forbearance that just kicks the rock down the road.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

This is the second time Citi has not applied my payment. At present I sent my payment on XX/XX/2020. The company still has not posted my payment. They did the same thing las month. They received the check on XX/XX/XXXX, and did not process the check until XX/XX/2020. They keep blaming the post office. However, it is only happening with Cit bank. I am not having problems with other companies. I have spent 25 hours on this problem. The staff is nasty, and they do not return phone calls. and no matter what you say they keep going around in circles. They charge me late fees. Please help. 
XXXX XXXX
Consumer complaint received 2018-05-02
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I was refinancing my private student loan which was held by XXXX XXXX  with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX   XXXX  called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.
Consumer complaint received 2020-05-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

Sallie Mae mistakenly reported a delinquency on my credit report when the owed amount was paid using their app. According to the app the payment was rejected when funds were available at the time. I have contacted the case manager and this person did not work with me. I have paid the amount, but wanted my credit corrected. She insisted that this was not their fault and needed to check with my bank. 

They do not report calls or let you know in any way that the payment was " missed '' or rejected which was what happened to me. - When they call they do so from unknown numbers and with the amount of scammers around I or anyone I know do not answer any type of calls from an " unknown '' number. The caller ID does not display a number it just shows " unknown '' The amount was paid, but now I have to dispute a negative mark on my credit report. 
the date I called Sallie Mae XX/XX/2020 - The date the payment was rejected XX/XX/2020 for the amount of {$340.00}
Consumer complaint received 2020-05-04
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2020-05-04
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. (MN)

On XX/XX/2020, I purchased a suit from a suit vendor named XXXX XXXX ' in XXXX , XXXX for {$780.00} USD. Since I was told that the suit would take 2 weeks to make, they would ship it to my home address in Minnesota and provide tracking on the shipping when it was sent out. I had purchased a suit at this shop with two other friends also from Minnesota. 

Weeks went by and we expected tracking to be sent to our emails that we had provided to the vendor. I and a friend ( XXXX XXXX ) reached out via email to the vendor ( XXXX, I have attached their 'business card ' -- try finding information about this place, they don't exist ) to understand where the tracking was. You will see the corresponding email chains in the attachments. More and more weeks went by without a response. I tried finding the location on XXXX maps, I tried finding the company via XXXX, I've looked almost everywhere to find information on this suit shop and it doesn't exist. 

Due to this, myself as well as my friends decided to issue a dispute via Chase as we believe we had been scammed. Chase acknowledged the dispute ( issued XX/XX/2020 ) and went to investigate the claim. 

I did not hear back from Chase regarding anything on the investigation until XX/XX/2020 when they said that the dispute was resolved and that they had taken the vendors side and re-issued the charge back onto my account. The reasoning was because the vendor said " the customer said they were going to pick up the item '' -- that information was provided to me after calling Chase customer support to get information on the explanation as to why the charge was re-billed. I can not pick up an item when I am in the United States while the vendor is in XXXX, plus the contract was for the vendor to ship to us and that was the reason why we provided our home addresses. 

Please look into this, I do not think Chase did a comprehensive investigation into this as they did not ask for any proof of emails from me or anything -- they took the vendor side without asking me for information. If they would spent 5 minutes XXXX, they would see that this vendor does NOT exist and they are scammers. 

In summary ; I have never received the product from the vendor, I disputed with Chase who after months came back and re-billed me for the original charge claiming that the vendor said we would pick up the product ( I can't pick up a product when I live in the USA and its in XXXX, the agreement was to ship it to my home after the suit was created and ready to ship. Chase never reached out to me for more information and I do not believe they researched this vendor properly ( as they don't exist online ). 

Thank you, XXXX
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX  and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated