davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (PA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$450.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (WA)

I'm sorry your software makes all of the following run together. 

XXXX, XXXX- received emailed letter that my XXXX mortgage ( remaining $ XXXX ) would be transferred to Rocket Mortgage effective XX/XX/XXXX. 

XX/XX/XXXX, I started paying the loan down - they only let me transfer $ XXXX a day and I didn't make it. 

As of XX/XX/XXXX ( a Saturday ) the transfer date, I still owed $ XXXX. 

XX/XX/XXXX - tried all day to reach a human at Rocket Mortgage - I wanted to pay $ XXXX today and $ XXXX tomorrow and have the loan paid off, more or less. 

XX/XX/XXXX - finally reached a human -she said repeatedly that Rocket would not have my information, and I could not make a payment, for at least XXXX weeks. I repeated over and over that this will cost me additional interest. She denied my request to speak to a supervisor. She denied my request to make a record of my call and concern. She told me that once they get my information, I can discuss my concern about the additional interest charges. I was very polite. She was polite but was like a rock. 

Allegation : Rocket Mortgage should have ensured all records were transferred over by XX/XX/XXXX. I should not be penalized by having to pay extra interest because they can't accept a payment from me today -- that's their error, not mine.
Consumer complaint received 2024-05-15
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: Block, Inc. (FL)

I purchased a Necklace From XXXX for {$230.00} to get it and return it because I didnt like how it felt or looked. I was told I would get my refund XXXX business days after they received my necklace to now be XXXX days out without any refund. Ive contacted them and they stated my refund was in my account which it was not. To then contact cashapp support to understand where my refund was. To be met with no help and the same repeated automated messages denying my request for a chargeback.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

Dear Sir, XX/XX/XXXX causing troubles to me by manipulating and tampering my credit report and showing closed account was open. Every time, they mention that there is a re-investigation and no results or evidence attached to the CFPB complaints response or I did not receive any evidence of their manipulation to my credit report. I have closed Individual Chase Credit card on XX/XX/2018. XXXX kept on manipulating my account and change the account closed status to XX/XX/2018 and XXXX kept on giving false information. I am going to submit all these credit reports and manipulation of closed account status to FBI and Honorable Courts. XXXX has committed the fraud and manipulated the closed accounts. At the same time, XXXX  did not provide the fraudulent investigations report and what reason they changed the closed account status from XX/XX/XXXX to XX/XX/XXXX without my notice and Chase Bank has given the written confirmation to CFPB that individual credit was closed on XX/XX/2018 and there are no credit cards were open on my name, what kind of fraudulent investigation was done by XXXX, no transparency and no evidence attached to the CFPB ' response. It means XXXX is a fraudulent credit bureau and they have tendency of manipulating closed accounts to open, change the status to everyday. I am going to call Federal Officer and also escalating the matter to court against XXXX and Chase. Could CFPB direct XXXX to update my individual credit card closed account date to XX/XX/2018.Could CFPB direct XXXX  to disclose the fraudulent re investigation evidences and results to me over the USPS and also upload to CFPB 's website, accordingly I will file a criminal case against CHASE and Investigation company for manipulating and tampering my closed accounts.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: King of Credit Financial, Inc (CA)

Im financing a car through king of credit and its not showing up on my credit like it was before with all my perfect on time payments on it I just want it to get updated back on my credit report
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (KY)

The wrong information is on my credit report. Ive tried reaching out to Equifax and report my identity theft and it will not let me. It even has the wrong name for me. It says formerly known as XXXX XXXX. Ive never been known by that name. My credit has fraudulently names and addresses. Someone stole my passport and social security card. And in 2018 I had my car stolen with my drivers license and social security card stole. Ive had fraud for years and I didnt know it until recently. Please help me. I cant even get a freeze or fraud alert as it says its u available.
Consumer complaint received 2023-12-07
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. (VA)

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 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 2024-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MA)

I initiated a request to withdraw Bitcoin and Ethereum ( at time of writing together approximately worth XXXX XXXX ) from my Venmo account several times from XXXX XXXX XXXX XXXX XXXX. Despite repeated inquiries, Venmo has not provided a clear timeline for resolving the issue affecting these transactions. Each time, I received vague responses and was given the runaround without any concrete resolution or timeframe for when the bug will be fixed. This ongoing issue has prevented me from accessing my funds in a timely manner, and I am seeking a definitive answer and resolution from Venmo as soon as possible.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC. (TX)

I am not liable for this debt with Sun Loan and do not have a contract with Sun Loan Company. They did not provide me with the original statement or application when I asked. This was requested 30+ days ago. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report. I contacted Sun Loan Company and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. They did not respond to the XXXX as well.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-11-16
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

My social security number information got compromised. I filed a police report. Did a identify theft report on the website. Freezed my credit cards with XXXX and XXXX  they froze my card. I have yet to go to the social security office to get a new card. Im an XXXX XXXX XXXX member and my information is my priority to my job. I let my bank know XXXX XXXX XXXX XXXX but they couldnt assist me. I did an XXXX XXXX XXXX  online and there is no fraud being committed at the moment. But equifax the credit bureau cant help me. I have called multiple times but they cant help me. They are saying I am giving them the wrong social number, online I keep getting an error whenever I try to register. Equifax cant help me with my incident. 

below is a document showing all the phone calls I have made to the credit bureaus and other identity theft government sites.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Payfare International Inc. (NY)

I have been attempting to receive my XXXX card since XX/XX/XXXX. I have called the XXXX  ( Payfare ) Customer Service and received the runaround for two months being told to just keep waiting for the card. At the beginning of XXXX I was advised that a card was sent to me in XXXX even though I did not authorize an account until XX/XX/XXXX. I looked back at statements and yes they opened an unauthorized account that never had funds deposited in XXXX. Today I called and was told by first representative to wait longer for my card and they had no way to track. They then transferred me to another call center where I was told I never ordered a card and it would take 2-3 weeks to receive a card. I am going on a trip XX/XX/XXXX and need the card to pay for hotels and rental cars, two weeks would be fine, three would not. I asked for a supervisor and was told no. The representative placed me on hold came back and said no supervisor available and they were done with the call and hung up.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (MI)

Mortgage reported late on XX/XX/year> I made the payment before the last day of the month, however Freedom is stating that the payment was processed after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 p 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a late payment on a credit account under an open end consumer credit plan as late.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ I field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

Feel this was illegal payday loan with illegal interest rates. 
Moreover, according to Section 16-17-7 of the XXXX  Code, any interstate financial corporations caught at payday lending operation in XXXX  will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to fix this issue many times about the negative remarks on my credit pertaining to national credit system falsely putting information on my credit report if information is not done accurately the fist time but is against the law to keep going in submitting false information I want this resolved in removed of my credit my XXXXredit score has went down 3 different times from submitting false information to credit I have made several disputes with transaction but it seems they dont care I have alot of rights that sad been violated
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/18 I was set to settle on my home. Chase Bank ( Short Sale Bank ) did not send final disclosures until XXXX this morning. The Short Sale Bank found seller short in payments by {$850.00}. The seller stated they could not pay this at this time since they were never told it was owed. Short Sale Bank came back to the buyer and not only included {$850.00} into new closing disclosure, but attempted to decrease seller assist ( promised in contract, which took over 9 weeks to get signed by bank ) by {$1400.00} on top of {$850.00}. The bank is terrible to reach, does not correspond within a reasonable amount of time, and is committing fraud by going against a signed contract.The Short Sale Bank ( Chase ) was asked for weeks to send their part of disclosure for costs and should not have waited until date of settlement. Buyer has already arranged for appliances to be delivered, painter to come in, and rented a moving truck. You can not expect the buyer to pay almost {$2000.00} more than what was promised the day of settlement and breach the contract.
Consumer complaint received 2023-06-17
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. (GA)

Good Morning, Recently I sent a complaint to EXPERIAN and they have totally disregarded my complaint and treated it as a generic complaint and responded with a generic letter. I sent them XXXX accounts from XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  that is being reported due to Identity Theft. They sent a letter quoting bits and pieces of FCRA and and left out the most important parts. I have tried to resolve this with XXXX XXXX and they have already surpassed their 30 day limit on being able to validate this debt. ALSO experian failed to validate this debt as well. I sent them the packet with all information needed for them to block and delete these accounts. According to FCRA that is all the information needed from me and they have also FAILED to meet the 4 DAY REQUIREMENT that it states in FCRA. Please take care of this matter.
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Signed up for title loan in XX/XX/2023. I have paid XXXX on a loan of XXXX. I still owe the original XXXX. I asked how much they were charging on this loan and she said around XXXX I asked twice XXXX XXXX XXXX XXXX my balance not going down now Im concerned. The website to pay my loan isnt working nor the app. Please help me. They use to call to offer me extra money all the time now I havent spoken to anyone in a few months.title max XXXX XXXX XXXX XXXX. 
This was with TitleMax