davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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: Thaxton Investment Corporation (SC)

XX/XX/2021 all 3 major credit bureaus received a dispute from me in regards to Quick Credit I requested validation not verification. I requested : 1. Documents from Quick Credit/XXXX  bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from Quick Credit/XXXX  . 
3. Provide the amount of claimed debt, a true bill ; 4. Explain and show me how Quick Credit/XXXX  calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay Quick Credit/XXXX  what is claimed that I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove Quick Credit/XXXX  are HOLDERS IN DUE COURSE ; 8. Prove the Statute of Limitations has NOT expired on this account ; 9. Prove Quick Credit/XXXX  is licensed to collect in South Carolina ; 10. If the claimed debt was sold ; provide the accounting in accordance with G.A.A.P. 
furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt. SHOW PROOF! 
11. Provide the tax exemption for Account Number ( s ) XXXX ; the accounting and copies of ALL I.R.S. 1099 tax forms.

Quick Credit failed to respond to my Validation Notice. 2 ( two ) Validation Notices are attached along with current account information. Quick credit ignored my Validation Notice and my disputes via the credit bureaus and are currently updating my credit profile with unverified account information. Quick Credit are not Holders In Due Course.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021, my debit card was charged for {$72.00} by XXXX XXXX I filed a dispute with my bank, jp Morgan chase. I informed them on XX/XX/2021 that I did not make the charge and that my card was lost or stolen. They reimbursed the amount to my account and sent me a new card. About 2 weeks later they did a claim reversal for the amount on my account and closed the dispute. I have been trying to get this issue resolved. I did not make the charge and did not have my debit card. And now they won't reopen the dispute or give me my money back.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation. 
Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases. 
Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank. 
When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance. 
In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use. 
Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time.

2. Subsequent inactivity on this account. 
Note : The bank has placed the account on hold, we couldn't use the card if we wanted to! 
They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead. 
No, we have heard back from them.
Consumer complaint received 2022-01-07
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  . Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX )
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (PR)

XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Services, Inc. (FL)

I received a letter from Scratch Services , Inc., a 'Notice of Default and demand for Payment '. This was supposedly about an XXXX XXXX # XXXX for {$10000.00}. The loan was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX. This was the first notification I have received about this SBA loan, from anyone. I never applied for or received any funds from this loan. An SBA OIG complaint has also been filed. Complaint ID XXXX.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance.
Consumer complaint received 2024-02-02
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: JPMORGAN CHASE & CO. (NC)

Chase continues to violate the SAPPHIRE Preferred credit card agreement between myself and themselves and provide the promised credit from an defective merchandise transaction using the chase card, that CHASE failed to follow-up on and provide resolution. 

Chase bank is negligent/fraudulent on lack of following established banking procedures to assist in resolving a report transaction dispute totaling {$200.00}. 
I report this issue to the disputes dept in XX/XX/2023, chase repeatedly promised me assistance and a credit for this transaction, and negativity impacted myself financially. 

The dispute resolution dept and supervisor informed me they " dropped the ball '' and did not follow-up correctly on this reported transaction. Chase offered me a " credit due to this chase mistake, which still after 2 weeks has not happened or been credit. 
Chase is very disorganized and not adhering to established Customer service SLA and procedures.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Try to obtain my credit report and Equifax says that the information that I'm putting in does not match their system which does that make any sense but anyhow I want to update my profile in the system I have a new number so I am attaching my XXXX bill and verification of my address and the new number that I have my new number is XXXX XXXX
Consumer complaint received 2023-05-22
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. (SC)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (MN)

Discover Card started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is XXXX XXXX firm phone is XXXX located in XXXX XXXX
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (PR)

On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments
Consumer complaint received 2023-05-22
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NFM, INC (CA)

On XX/XX/2023 we applied for affordable ownership. XXXX lending, denied to access for credit for affordable program, when our household were qualified for instance ; they offered an approval for buy someplace else, but not for those affordable homes in master community with XXXX homes value are. We were race discriminated, they violated the Fair Housing Act and True Lending Act. 

NFM Lending and XXXX XXXX don't following the XXXX  of health and safety code section XXXX Base in our household size an income, which is not over the XXXX XXXX media income for XXXX XXXX XXXX. The sale price they give to us was overpriced for the affordable homes price bracket base in above mentioned. 

The Purchase price for our household was {$580000.00} The public record another was affordable home sold was {$520000.00} The asked price for our household of fourth, area XXXX  income ( XXXX  ), first time home buyers XXXX citizen, good credit, income verification was {$580000.00} This unfair practice by lender told the high sale price ONLY for us, when should following the XXXX  of health and safety code section XXXX, like they did for others households.
Consumer complaint received 2023-10-26
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. (NY)

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 2023-05-16
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. (CA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

all three credit bureaus ( XXXX, equifax, and XXXX ) are reporting accounts that i never gave written permission to furnish any accounts on my credit report the following accounts are ones i did not give permission to : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion score is lower than the other XXXX reporting agencies. The same stupid answer. Each company uses a different model. They do everything to keep your score low so that you are forced to pay a higher interest on everything. They want to sell you a product to track your score. I had the man on the phone check my report and I have no late or missing payments. I have a XXXX XXXX XXXX bankruptcy. It takes 10 years to get if off. How can you do any kind of transactions without getting an inquire that lowers you score for two years.
Consumer complaint received 2022-11-08
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. (CA)

This is my NUMEROUS 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 XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XX/XX/1988 ***_**_**** I can not Get Access to my credit report its Blocked by creditor, Equifax. I was told by fraud Department that its a block and I have to send a letter to remove it, I sent in letter twice to them no response or never seen it, I work Monday to Sunday and have no time for mistake that was made by them, Please remove The Block on my credit report and give me my fair chance at creating, this is causing me pain because of the wrong report there giving of me, please have the block on my Equifax removed immediately. Thank you
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc. (AZ)

Hello so over a month ago I filed a dispute for a bunch of charges to my account for a online sweepstakes that I made the purchases for but they ended up ripping me off for all of my winnings and closing my account so therefore I filed the dispute for all these charges and I guess the agent didn't want to file them all that night so he only filed a small number of them I tried to communicate this to the company several times like a lot of times and turns out so when they finally found the dispute to be in my favor they refunded me that money but they were still that was only like XXXX of the disputes so finally I got an agent to file the rest of the disputes and then she immediately came back on and denied the claim even though the other agent had already approved the claim for the same exact reason so I submitted a bunch more proof absolute proof showing that this company did not pay me out what I won so therefore they defrauded me of my purchases and I needed my money back and I I emailed them at least XXXX times and I'm not getting any information so I don't know if this is even still being looked at or if it's still in denial but I've submitted more proof I needed it going back into being investigated and I needed it returned the agent that I'm having a problem with is XXXX I mean how can these ones be denied after for the exact same reason is all the other ones that are approved and they all should have been on the same ticket but their agents didn't do the job properly and then they have no communication so I absolutely need all of this money back the claim number is XXXX thank you very much please do not allow this company this company already stole {$5000.00} for me that I had one I don't think that it's fair that they also get to keep my money there not an honorable company I've answered all the questions she had questions about how come I've still been doing business with this company and making purchases and I explain to her because I recorded everything and I was trying to show that they don't pay on the cash out which I did a cash out and again they they closed my account so they didn't pay me again and it was just the money that I had deposited not even nothing that I had played XXXX XXXX know is no good and I need you to operate like you're my bank do not allow these people to have my money and steal from me thank you
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX