davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KS)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Attn : XXXX, I received a notice that my accounts in good standing are being closed. I am requesting that these accounts be re-opened or allowed to remain open. I have held several of these accounts for years, and closing them will negatively impact my credit score. Additionally, I still actively use these accounts.

A previous FTC report, which was filed in error, has now been corrected. 

The specific accounts I request to be corrected/kept open include, but are not limited to, the following : - XXXX # XXXX ( XX/XX/year> ) {$2300.00} - XXXX # XXXX ( XX/XX/year> XXXX XXXX XXXX # XXXX - XXXX # XXXX Confirmation and updated evidence have already been sent to all reporting credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

XXXX. I opened checking and savings account with Chase bank. 
XXXX. I added an external bank account, this bank account is already added on my two credit cards I have through chase. 
XXXX. When I added external bank account for Checking and Saving accounts micro deposit was done in my external bank which I verified. 
XXXX. After this it allowed me to initiate transferring money from external account on XX/XX/XXXX : XXXX. XXXX to saving account XXXX. XXXX to checking account XXXX. After 1 week or so transaction was rejected. 
XXXX. I was on call almost an hour trying to resolve it, earlier customer service kept redirecting me to different departments and in the process long wait time. 
XXXX. One agent asked me to initiate another transaction which immediately got rejected. 
XXXX. Finally I reached to a supervisor- XXXX, call was around XXXX XXXX  PST on XX/XX/XXXX and should be recorded. He told us a ) that Chase bank can reject transfer b ) He refused to tell us reason for reject. 
c ) He didn't say that we will be informed of the reason. 
d ) Refused to give us any other information or number where we can call and was not helpful. 
XXXX. This is new account and have opted for direct deposit for my salary as well however now I am not sure if I would receive it on time.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION (FL)

I, the consumer and natural person was denied credit by Alliant Credit Union, on XX/XX/2024, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Alliant Credit Union due to the response I received. 

Alliant Credit Union, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of Alliant Credit Union. 

If Alliant Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make Alliant Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

I have received a letter from XXXX  which just telling me Synchrony Financial will contact with me and, ( if I need ) I can call Synchrony Financial XXXX. Since I have closed the account the credit card offered by Synchrony Bank, I do not have any reasons to be contacted by this company, especially, I paid off whatever I used. Therefore, I decline further contact from all of these companies related to this card, XXXX XXXX XXXX.
Consumer complaint received 2024-04-18
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I responded to a XXXX advertisement for XXXX. They were offering XXXX XXXX sales. I placed an order which I never received in the amount of {$54.00}. 
I made this purchase on My GM card through Marcus by Goldman Sachs. The receipt was emailed to me and it was from XXXX. I trusted it was legit and it wasn't. I have disputed this twice and both times itvwas not resolved in my favor. XXXX does not exist and GM should have been able to figure this out.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

I have sent 5 letters now one with tracking with signature confirmation they signed for it and still call and send letters. I requested them to cease all communications but they refused and think they are above the law. I have called and sent emails as well calls and massive amounts of mail come from them. The tracking number that they signed for is XXXX XXXX XXXX XXXX You can see if was signed for and received. At this point, they are willfully violating the FDCPA. I don't know how many more times I have to send them a cease and desist letter for them to ignore it even will it was signed for and reviewed by their staff. 

Reputable debt collectors do not violate the FDCPA and I would advise anyone reading this review not to communicate or do business with this company that does not follow the Fair Debt Collections Practices Act ( FDCPA ) which is the law! 

Legal action is being considered for FDCPA violations.
Consumer complaint received 2024-02-23
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

My credit card/PIN and identity was stolen in XX/XX/year>, there were series of fraud transaction charged to my card total $ XXXX and when I discovered it, I filed fraud claims for all these transactions. However, I recently received a letter stating chase fraud department closed the majority of the claims
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit report that I never had fraudulent information on my XXXX credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXX company do not exist anymore
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

XX/XX/XXXX to current my payments missing are {$4000.00} Ally has taken from my bank money through their XXXX party processor XXXX car payments and not posted them. They tell you call XXXX and XXXX says they Ally are stealing money and not posting. Also they charged me wrong interest rate. Late fees they changed due date they began charging late fees without permission my due date is as contracted on original XX/XX/XXXX due date plus 10 day grace. I have asked them numerous times to apply my money I sent bank statements to XXXX address and no correction yet.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (TX)

Im not liable for this debt with XXXX University. 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section XXXX ( XXXX ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through nelnet, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year> I was talking to a man online and exchanging explicit pictures with them. I was under the impression that they were a trustworthy individual and a real person, but after a point, they began to blackmail me by threatening to send explicit pictures of me to my friends and family over social media unless I began paying them money. I foolishly began sending money with the hope that they would stop, but it kept going. 

I was in contact with this person over the XXXX  app, their username is @ XXXX and I initially began speaking with them over Direct Messages on XXXX, their username XXXX The payments were sent via PayPal friends and family transfer to three different " people ''/ email addresses : " XXXX XXXX '' XXXX, {$50.00} " XXXX XXXX '' XXXX, {$50.00} and {$100.00} " XXXX XXXX XXXX  '' XXXX, {$300.00} and {$200.00} My PayPal account had an existing balance of ~ {$150.00}, which I was informed by PayPal was nonrefundable, with {$550.00} that came from my bank account under duress ( a total of {$700.00} I paid out ). 

I initiated stop payments with my primary bank, then PayPal issued the charges to my backup payment methods, flagging my primary bank 's fraud protection, freezing my credit card, and causing me to cancel it and get a new one issued. 

PayPal then charged ~ {$250.00} to my PayPal balance, leaving a NEGATIVE balance of - {$200.00}. I contacted customer service to ask why this happened and was informed by PayPal that the money would still be my responsibility because they paid upfront for the instant transfer of funds and, because of the transfer method, their fraud protection did not cover the exchange.

I asked the representative if my account was accessed by an individual that I did not authorize and they completed the same transactions if their policy would cover the fraud, and they stated yes. 

I then argued that if I transferred the funds while threatened/under duress how that would not be the same since I did not want or intend to send the money, and they stated that I should file a report with the authorities and the IC3 ( Internet Crime Complaint Center and FBI ) . 

Their solution was to initiate a refund request to one of the scammers/blackmailers email address, disclosing my personal email address to them outside of PayPal, who the blackmailers then used to contact me directly asking for " the reason I want a refund. '' I do not know whether or not I should continue contacting these people, I just want this resolved.
Consumer complaint received 2024-05-22
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-06
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. (TN)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

Within 7 days a XXXX XXXX ( not sure if correct spelling ) called me 3x... called my office 2x on XX/XX/year> and me as well 2x that day!... called my brother ... and even called my brothers ex-wife ( XXXX does she have to do with anything ) in the same day! This is CLEARLY harrassment... called my brothers ex wife? She isnt even my relative... She needs to be sanctioned and fined ... its ridiculous... 
Thank you
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/year>, I used PayPal 's services to conduct a domestic transfer of XXXX USD for a sublease deposit. The money was debited from my account on XX/XX/XXXX but according to the sublessor, the same has not reached her yet. The PayPal transaction ID for this transfer is XXXX. 

I filed a case with PayPal on XX/XX/year>, in order to get some answers regarding the status of the transaction. The PayPal case ID for this particular case was- XXXX. However, my case was denied by PayPal on the grounds that it does not qualify as a billing issue. Throughout this time I have been repeatedly asking the intended recipient about the status of the transfer as well, but it still shows " pending '' at her end. 

On XX/XX/year>, I decided to file a case with CFPB in order to get some answers from both the service provider and the intended recipient.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A. (NY)

I went to my bank and ask them can I get a loan. They gave me paperwork. I got the loan then they stopped my account and card and return the loan to lending usa. The bank says I have to pay XXXX dollars. I thought I would have the loan I didn't get the loan so why do I have to pay XXXX dollars.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This complaint is regarding my Experian credit report ( XXXX ) concerning XXXX XXXX XXXX XXXX XXXX XXXX ). This account was deleted from both, my XXXX XXXX ( as of XXXX ) and my XXXX XXXX ( as of XXXX ). Experian has failed to update their records to reflect that this negative information is no longer being reported to the credit bureaus or credit reporting agencies. In XXXX of XXXX, I subscribed to Experian 's Credit Works Premium and on XX/XX/2022 they provided credit information from all three credit bureaus, so they knew that this account had been deleted ( see credit score for XXXX provided by Experian ). It has been over a year since the deletion of this account and still, Experian has not followed suit and deleted it.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX