davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Sometime last year I went into a XXXX XXXX  store in XXXX, CA to make a purchase. I was a long time XXXX XXXX  cardholder and was planning on using my XXXX XXXX card to make my purchase. The associate at the register told me that if I would apply to upgrade my current XXXX XXXX  credit account I would qualify for an extra discount. I told her I was not interested in opening another account or having my credit pulled. She explained I was only upgrading my current account to a XXXX XXXX XXXX XXXX and not opening a new account. I continued to decline and the associate continued to pressure me to accept after much back and forth I reluctantly agreed so I could purchase my items and leave the store. In order to keep my account current I decided to go online and setup auto-pay so that I would never miss a payment or become late because I know credit card companies love to charge consumers hefty late fees. Recently I became aware that my XXXX XXXX account was past due despite the fact that I was enrolled in Auto-pay. I was shocked and angry as I had recently received an email from XXXX XXXX stating my account was enrolled in Auto-pay but no payment was due at the time. After calling XXXX XXXX I discovered that I had two different accounts and Auto-pay had been setup on one of the accounts. It turns out that the associate lied and deceived me into opening an additional credit account with XXXX XXXX. The emails being sent from XXXX XXXX gave me a false sense that my account was indeed current and I had nothing to worry about. The fact that XXXX XXXX trains their associates to lie and deceive customers to open credit accounts without their knowledge is criminal. I asked XXXX XXXX to remove the negative marks from my credit because of the confusion and they denied my request. I called back several times to speak to a supervisor and was hung up on or transferred to XXXX. XXXX XXXX needs to take responsibility for there criminal actions.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY (MI)

I had my identity stolen as number, driver'licence, credit cards, I've had accountsbooened in my name. My address has bern ch as the on XXXX server times. XXXX my XXXX children s ss cards been stolen and used. I'm getting notice them being used I DDT idnt use there identity or my own like this I've had 2 checks stolen and cashed from irs taxes s also.Im currently waiting on desicion on my social security afraid there stealing this too. Pleaseeh.
Consumer complaint received 2023-07-10
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. (FL)

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. 

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.
Consumer complaint received 2018-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Innovis (NY)

Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.
Consumer complaint received 2023-07-08
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. (VA)

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX  and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. XXXX reports the term duration as 1 month, Transunion reports it as 0 months, and XXXX reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is against Experian. 

I had a Name change done when I got XXXX citizenship in 2022. I am unable to dispute the name on my credit report with Experian through the online portal. We are expected to call or use mail. I'm pretty certain that they will require me to mail them PII like scans of my passport and a scan of my new SSN card. If this is true, it needs to change.

I did not send them anything when they opened a file on me. They got the info from the banks. Updates to this info including first and last name should happen automatically as long as the banks have my updated name ( banks have my updated info ). 

If this is not feasible, there should be an online way for me to send them sensitive documents ( via upload within the dispute process or a secure message ). 

XXXX does have an online dispute process that allowed me to upload the required documents within that workflow. 

I DO NOT want to send sensitive information over mail.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.
Consumer complaint received 2018-11-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

During the last 3 years, navient has been charging me close to XXXX dollars a month. My current income is XXXX a year. I have been on the phone with them several times over the years so come up with a lower monthly payment plan. They claimed I can not do that. They also claimed that Ive been in forbearance twice for deferred payments. Even though Ive been on auto pay since 2015. They provide no help for economic hardship and claim Forbearance is my only option ( which I have to pay for just to get it ). My bank accounts have no proof of deferred payment activity or forbearance. But apparently On their side there is. Im extremely frustrated.
Consumer complaint received 2018-11-27
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. (OR)

Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (OK)

Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.
Consumer complaint received 2023-07-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

On XX/XX/XXXX We were conditionally approved for a mortgage with Lennar Mortgage for a home in XXXX XXXX. we were scheduled to close in XX/XX/XXXX me and my wife and our XXXX XXXX XXXX son moved in with our Daughter and Family temporally from XXXX XXXX until the home was done. so my wife had to switch jobs to XXXX  the mortgage company said that we needed more pay stubs from her new job so Lennar told us that they couldn't wait for us to close so they sold the house to someone else and they had our {$11000.00} dollars deposit and we had 1 year to use it so we picked another home in XXXX XXXX  so we had to stay with our Daughter and family until XXXX which was very stressful on us and our daughter and her family when we finally came to a closing date the mortgage company told us that we had to come up with {$13000.00} more for Points And our Rate because of not being locked in was higher and Lennar had our deposit already and we had another {$13000.00} in the bank for closing there was no way that we could come up with the other Closing cash so we had to cancel our loan and Lennar kept our Deposit of {$11000.00} and we couldn't get our loan they should return our deposit in full and we contacted Lennar several times and spoke to several people at Lennar in various locations and gave them our new address because of having to rent a Home for us and having a argument with our son in law we had to get the first place we could find in XXXX a person at Lennar said that she would send the office our new address and that they should be refunding our money soon its been since XXXX XXXX XXXX since our canceled contract and still did not receive our money or any correspondence from Lennar also we contacted FHA and was told that they had no Knowledge of us ever having a contract with them and they told us because Lennar did our Mortgage they do this all of the time and we should contact you for further Help
Consumer complaint received 2023-07-08
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. (GA)

On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in Florida. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I originally got a payday loan from another company in XXXX, Tennessee, its in the original complaint. They sued once in court and now they are trying again. They have threatened me with court action and this is after all my information was compromised through their site was hacked. Im XXXX XXXX XXXX and on Social Security and they know that. The company that I got the loan from sold my check to cash Express.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/14 my Joint account ending in XXXX was charged {$6000.00} to offset a disputed business card account that had no relationship to me. I did signup for it nor approve any agreement. I have no relation or connection to it. 
The offset of a Credit Card Charge specifically to a joint account that one of the owners ( XXXX XXXX ) is not related in any way to the CC ending with XXXX is a violation of the Fair Credit Billing Act ( FCBA ). 
The agreement to offset was never shared/ approved or signed by me and it is against FCBA rules to offset it against a private joint account owned by individuals that have never made any written authorization for the offset.
Consumer complaint received 2023-07-10
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. (MI)

In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX  XXXX XXXX DBA XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to Equifax it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my Equifax credit report by mail within 15 days. When I chose my XXXX credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my XXXX credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I was robbed and the robbers took all of my belongings including my cell phone and wallet that had my ID debit and credit card from Chase bank inside. The robber 's were able to access ATMs and withdraw {$3500.00} which exceeds my daily allowance, and then they went into a branch and withdrew {$1000.00} from my account and Chase allowed this despite it not being me. I have placed claims on all of my accounts and chase denied the claims stating it was non-fraudulent because the robbers accurately input my pin #. There is video surveillance, call records and I have a police report all evidence in my favor that these transaction were not authorized and were not done by me ; however the bank fails to use this information to come to a decision and has denied my claims. As a customer it is absurd to me that a bank fails to verify identification for in person withdraws, and in the circumstances does not verify their own video surveillance during an investigation. They also do not use call records with my attempts at closing my accounts. The bank solely investigated if my pin was accurately used in their decision. With fraud becoming so sophisticated in modern times I find it hard to believe the bank does not follow any other procedures in terms of investigation given these circumstances. Not only do I have the above evidence, but as a long time Chase Customer, there has never been a time where I've completed transaction of this nature, which should have immediately been a red flag.
Consumer complaint received 2015-09-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (NV)

I purchased 'FurnitureGard Comprehensive Plan '' to cover a sofa and love seat I brought from Conn XXXX XXXX XXXX Appliance. I was told that'everything '' was covered. I have submitted a claim twice and been told that they will not fix the issue ( stuffing coming through the fabric ). I requested arbitration and have been ignored by the company twice. The contract states that I must simply request arbitration. When I called the clerk stated that I must begin the arbitration, which I can not do without an attorney and it is not what the contract states. I am requesting help getting the company to start arbitration as the contract states.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (VA)

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation and method of verification associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report has inaccurate term duration, on Experian it reports as 1 month and on XXXX it reports as 0 month which is an inaccuracy. This account is also CO and they are reporting every month and re setting account activity which is not legal. I request validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ].
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independence Capital Recovery, LLC (CA)

XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom XXXX referred me to Independence Capital LLC at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX. 

They blamed XXXX for not closing the matter properly. XXXX denies this fact. See attached for incorrect data/information by Independence Capital LLC 's CSR