davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Karma (CA)

My tax return was deposited on credit karma card and card was sent I never received it I finally seen on app that my card was stolen and money being spent so I contacted credit karma told lock my account been stolen they continued to allow the activity till money was gone then I had to dispute transactions they gave XXXX credit back from their investigation out of XXXX still can't get them to give my money back I contact them they say they will email me never happens I been waiting XXXX and still no money.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I, the consumer sent all 3 credit bureaus Equifax, XXXX, and XXXX  a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX  's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Consumer complaint received 2021-07-15
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: BARCLAYS BANK DELAWARE (VA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX  we didn't get it XXXX  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they XXXX  can't confirm my identity XXXX to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX CHILD SUPPORT ENFORM, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (GA)

Ive been saying I knew there were issues with my loan, and I figured it out. There was an illegal finance charge. Each state has a maximum, and they went over. I wasnt totally clear when signing, because we were moving so quickly and I was told it was how everything worked and the finance company would send over everything I needed. It took them a month to send everything over. I did not get it right away. They charged well over the {$13.00} for every {$100.00} that was a state max regulation. And I didnt know that was by year. My finance charge was for more than the ca, which is why it doesnt seem the amount is going down. Ive attempted to reach out to the car dealership, but they are no longer in existence. I reached out to the dealership that was supposed to keep their records and they said they only keep them for 5 years, but my 5 years arent up until XXXX. My issue is now with the parent company and the bank. They took full advantage.
Consumer complaint received 2023-06-11
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: Self Financial Inc. (GA)

while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXXXXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Signed loan docs with XXXX XXXX XXXX on XX/XX/21 - refinancing an existing mortgage with XXXX XXXX 
First payment was due XXXX. 
I rec 'd a billing stmt from XXXX on XXXX. 
I paid my first mortgage payment, {$3100.00} on XXXX ( for due date XXXX ) Days later, I received notification from Mr. Cooper ( servicer ) that they were taking over control of my loan - and I received a billing statement, dated XXXX - showing payment due XXXX. 

After multiple attempts to reach Mr. Cooper, I connected with on XXXX. I informed them my payment was made and they should contact XXXX to find out where it is. I spoke with XXXX, in escalations, who was no help in finding my payment they lost- but did try to sell me insurance (? ). 

Strangely, I rec 'd another bill from XXXX XXXX XXXX, dated XXXX - reflecting my first payment being posted - and not showing my account due until XXXX. 

On XXXX Mr Cooper called on my delinquent loan - stating that non-payment could impact my credit and result in late fees. Not sure how a payment made weeks in advance could lead to this outcome. Change in servicing is what resulted in this problem- and I did not ask for my loan to be sold, serviced elsewhere or whatever.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XX/XX/2021, I sent money to my roommate through the chime mobile app. I entered my roommate 's name and phone number and selected the corresponding match generated by Chime. The recipient didn't/does n't have a chime account. She did not receive any notification of the {$100.00} payment or an invite to apply for a Chime account. I contacted Chime customer service on XX/XX/2021, to ask why my roommate didn't receive the funds and was informed that the money was sent to an existing Chime account, evidently belonging to an individual with the same name and phone number as my roommate. My roommate gave the Chime representative her date of birth and social security number but it did not match what was on file with Chime. The representative then instructed me to request the money back from the number/person it was initially sent to because, according to him, I could not dispute the transaction. I obliged and the request was sent to my roommate 's phone! My roommate attempted to follow the link and either log-in or create a new account but was denied both. On XX/XX/2021, my roommate spent over an hour on the phone with a Chime representative who, after initiating an investigation into her situation, consulted with other Chime associates and advised that I file a dispute for the {$100.00} payment in order to get the funds back. Since I was present during this phone call, I identified myself and verified my account and the representative began the dispute process for the {$100.00} payment, entering detailed notes about the circumstances before transferring the call to the dispute department. The call was put on hold for nearly 15 minutes before being disconnected. I never spoke with a representative to complete filing the dispute. Today, XX/XX/2021, I was unable to log in to my Chime account. Several deposits were scheduled to post to my account today yet I am unable to access the account. I received an email notification informing me that my Chime account has been closed and any remaining funds will be sent to me by check in XXXX business days. When attempting to call Chime, my phone number is recognized and associated with a closed account and I am not allowed to connect with an agent. Whatever the discrepancy is between my roommate and Chime has nothing to do with me. There should not be any penalty against me for attempting to get funds back where an error occurred. More significantly, the inability to access my funds will have detrimental effects on my already strained finances, especially during a national economic crisis.
Consumer complaint received 2021-02-12
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)

I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
XXXX and Equifax both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status Equifax report XXXX XXXX XXXX as a closed account status. XXXX report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.
Consumer complaint received 2023-06-11
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

In 2020 I negotiated to pay off my daughters student loan with NAVIENT. I was the designated cosigner, and my daughter was behind in her payments. I wanted to put an end to the issue and so reached out to NAVIENT to negotiate a settlement for loan close out. We talked about loan close out options, I explained that I wanted to settle the loan in full and did not want to simply drop the cosigner. Eventually we agreed on a final closure price. NAVENT would not send written documentation and refused to send contract negotiation info, they said they needed to be paid first. I said I would not move forward unless I got a letter from them stating the terms and that they agreed to close out the account, as loan to be settled and marked Paid in Full, for the agreed to settlement value. On XX/XX/2020, I received a letter from NAVIENT agreeing to these terms that said they agreed to settle for 66 % of loan value. This amount would be {$17000.00}. It said that after I completed the full payments they would consider the loan settled in full and would stop all further collection actions. '' They verbally explained that payment could be done over a 6 month period of time. I completed all payment in 4 months. They agreed I had met my obligation and said they would process the loan for closure. It is now 7 months later and they have not processed the loan for closure, in fact they have changed the rules and assigned the full loan value minus the settlement, to my daughters responsibility and they still have me listed as cosigner for remaining balance too? I realized this situation just very recently when checking my other daughters student loans. So I called them on these tactics and they first claimed the settlement was not for loan payoff, but was to remove cosigner. I protested. Both my daughters and I had separate verbal discussions which are completely opposite to their claims. The letter they sent is opposite of their claims of a cosigner settlement. They are not returning my phone calls, now ; I want to pursue formal complaint and lawsuit.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. Experian is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX. 
Complaint against Capital One. 
Capital one offered us a Walmart themed credit card that would give us a 5 % rebate on purchases made at Walmart. We activated card XXXX XXXX XXXX XXXX XX/XX/XXXX and began using. All bills have been paid on time, mostly within 3 days of receiving. We had been using a Fidelity card with 2 % rebate and we continue using this card. Sometime around end of XX/XX/XXXX received a notice that 5 % was being changed to 1.5 % and this notice was misplaced. ( Have since received a copy of this notice ) This document states " Starting on XXXX XXXX, you'll earn unlimited 1.5 % cash back on purchases everywhere XXXX is accepted including all Walmart locations ''. 
So on XX/XX/XXXX an order with Walmart was made and picked up on XXXX XXXX close to noon. When receiving statement it had card ending XXXX. An important notice on statement " we are unable to provide Rewards Summary on this month 's statement '' and nothing provided. Nothing online either and talking with Cap 1 agent discovered that only 1.5 % was given and excuse was about posting date which of course is out of our control. Nothing in document sent says anything about posting. So it is my belief Cap 1 has cheated/defrauded me out of {$2.00}. I had a long discussion with supervisor XXXX employee # XXXX on XX/XX/XXXX who would not change reward amount. I point out that Walmart used/accepted card XXXX for all purchases made until I changed back to Fidelity card . In document " You'll no longer be able to use your rewards during checkout at Walmart.com as of XXXX XXXX ''. 
Was also advised over phone that would get 5 % until using new card ending XXXX. Today XXXX # XXXX advised that there is no way to send this written complaint to Cap 1 via my computer. Cap 1 can send me emails, but I can not send them one. What a way to run a business. 
I also believe that 5 % rewards should be given for all purchases made with Walmart using card XXXX online as this is what I saw when ordering. Have never activated or used card ending XXXX.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, two transactions were fully processed through my Chase bank checking account. One of the transactions was for {$35.00}, and one was for {$110.00}. On XX/XX/2023, I deposited {$220.00}, covering both transactions and leaving a positive balance in my bank account. I followed my agreement in depositing to the account within 24 hours, and I was still fraudulently charged two fees by Chase Bank. I opened a case with the executive office, and they refused to refund me. I have transaction details as proof of my deposit and dates. The dates on the executive letter from Chase Bank denying my claims contradict the dates on my transaction detail page. Chase Bank is committing a blatant unethical act of fraud by a large bank ruthlessly charging illegal fees to consumers like myself. I closed my account immediately because I do not support unethical banks, and I was a victim of Chase Bank 's illegal practices. I would not be surprised if these practices result in the many class action lawsuits Chase Bank has already had over illegal fraudulent fees.
Consumer complaint received 2023-06-13
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. (TX)

In accordance with 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXXXXXX XXXXAccount name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-11
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. (CT)

" I have repeatedly filed complaints with the Equifax regarding fraudulent activity on my account, but they have closed the claims without my acknowledgment. Despite my efforts to provide the necessary information to rectify the situation, the company has failed to take appropriate action. I have sent multiple certified letters to Equifax in XXXX alone, requesting the removal of incorrect addresses, names, and hard inquiries on my credit report. However, Equifax has not responded to my requests, and my personal information remains accessible to unauthorized individuals. I have also noticed numerous variations of my name on my credit report that do not match my state ID, which is concerning. I am determined to continue filing complaints until my personal information is updated, removed, or rectified, and I urge the third party to take appropriate action to address these issues. ''