davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Credit card or prepaid 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. (VA)

THE ONLY CHECK I RECEIVED IN XXXX CAME VIA USPS. SOMEONE CALLED AND LEFT A VOICEMAIL THAT DID NOT SAY I HAD TO CALL BACK TO CONFIRM I HAD RECEIVED THE CHECK OR YOU WOULD STOP PAYMENT ON THE CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR!!!! THE LETTER I GOT ALSO DID NOT SAY I HAD TO CALL AND CONFIRM RECEIPT SO THE STOP PAYMENT WAS ILLEGAL AND COST ME AN ADDITIONAL {$15.00}!!!!! WHOEVER CLAIMS THEY SENT A SECOND CHECK IS A BOLD FACED LIAR!!!! NO SECOND CHECK WAS SENT!!!! ALL I GOT WAS A RECEIPT FOR THE CHECK SENT IN A FED EX ENVELOPE AND DELIVERED TO MY FRONT DOOR!!!! THAT'S A LOT OF WORK FOR A USELESS PIECE OF PAPER!!!! BUT AGAIN, NO ONE CALLED TO CONFIRM I RECEIVED A CHECK THAT I HADN'T AND NO ONE MADE ME CONFIRM I HAD RECEIVED THE SECOND CHECK THAT I HADN'T!!!! DID YOU STOP PAYMENT ON THAT ONE AS WELL BEFORE YOU SUPPOSEDLY SENT A THIRD CHECK THAT YOU DID NOT SEND???? ALL I GOT IN XXXX WAS ANOTHER RECEIPT FOR A NON-EXISTENT CHECK DELIVERED IN A XXXX XXXX ENVELOPE TO MY FRONT DOOR!!!! AND AGAIN NO ONE CALLED TO MAKE SURE I RECEIVED THE NON-EXISTENT CHECK!!!! ONLY ONE CHECK WAS SENT AND YOU ILLEGALLY STOPPED PAYMENT ON IT BECAUSE OF SOME STUPID POLICY YOU APPARENTLY MADE UP AFTER THE FACT!!!!! YOU STOLE MY MONEY TWICE AND I WANT ALL OF IT - {$50.00} - RETURNED IMMEDIATELY!!!!! THIS IS 100 % ILLEGAL AND COMPLETELY INCOMPETENT!!!!! I ALSO NEED THE NAME OF THE STUPID PERSON SENDING THE LETTERS WITH WRONG INFORMATION AND LIES!!!!!
Consumer complaint received 2021-07-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (KY)

XXXX charged my husbands checking account after being told he passed. They charged his account 3 times and charged me charge back fees for this. Next they never informed me that the insurance company canceled the policy instead sent emails to my dead husbands email account now they are charging me XXXX dollars for 30 days of no insurance. Finally I am trying to assume the loan and they refuse to work with my attorney or I Or give me call back to work with us to assume the loan. They told my attorney that I assume with will take 9-12 months or surrender my house immediately.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (OH)

I continue to get called for my ex husband. I have advised this company that i have no communication with my ex and that we have been divorced 17 years. They continue to call me and my daughter who is XXXX years old. They refuse to remove our numbers. My ex 's name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Received letter from Bank of America denying approval of Bank of America Unlimited Cash Award Signature card. I NEVER APPLIED for this card or any card. I dont have an account with Bank of America XXXX 

XXXX XXXX : XXXX Letter dated : XX/XX/XXXX  XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Account with Ally is paid in full. Still shows on all credit services. Ally said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. Ally states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-07-26
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. (NY)

This is third time Equifax keeps putting in the wrong address on my credit report. I never lived in the XXXX. I filed a complaint on XX/XX/21 with the Consumer Financial Protection Board. Equifax removed the address and then put in back on my credit report. This fraudulent address is being sent from Equifax to other reporting agencies. Can not understand what is the problem with Equifax. How many times do I need to tell them that I NEVER LIVED IN THE XXXX/
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NV)

Predatory loan from Santander Consumer in 2013. Car repossessed and sold. Charged unreasonable amount of fees. Sold debt to XXXX XXXX and they are demanding a deficiency payment. Paid a lot of money for this car more and more fees added to the loan from the very first payment. They added fees and never brought down the amount payed. Shady salesman lied from the start. Then tried to bring me a different car than the car I bought. Dealers lied and i had the car for a week and never was approved for the loan. It only continued to get worse. Car continued to have issues w/ transmission overheating. When I take it to the dealership they said I owed {$150.00} for service and I was low on transmission fluid but I can not check fluids til reached XXXX miles. Did not honor warrenty. Refused to fix issues. Car over heating and stalled and was stranded all the time. XXXX XXXX XXXX. On the internet I found tons of other owners having the same issues with their XXXX. Everything about this from the purchase, loan, and running was a problem. Santanders did not follow the law and now I am being sued.
Consumer complaint received 2023-01-13
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: Nelnet, Inc. (TN)

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. 

DEPT OF ED/NELNET : # XXXX, XXXX, XXXX & XXXX. Late payments reported on Credit Report for XXXX, XXXX and XXXX are not correct. No 30 or 60 days late being reported, however 90, 120 & 150 days are being reported after on time payments. 

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 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America are stealing, lying crooks. 

I was approved for a Bank of America Cash Rewards Secured Credit Card On XX/XX/21. I sought to take advantage of a {$200.00} reward they offer ( https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ ) for spending {$1000.00} in the first 90 days. I was told multiple times that if I spent {$1000.00} on the card for them, I'd get {$200.00} in return. I spoke about this reward before, during, and after obtaining the credit card, with multiple sales and customer service people. I would not have chosen this credit card without the reward. I was even eventually told that I had satisfied the {$1000.00}, and could expect the {$200.00} in mid-XXXX. I was then told in mid-XXXX that the promotion had been erased from my account for some reason, and then they RE-ADDED it to my account, said I was applicable, and said I could expect it in mid-XXXX. 

Today, for the first time ever, now that I have given them what they wanted and spent {$1000.00}, I have been told that my card is not applicable for this promotion because mine is a secured card. I am looking right now and see nothing about exempting secured cards on the promotional site, nor did I see anything of that nature at the time, nor did anyone at BOA bring this up during my half dozen calls about my intention to receive it. And even if the promotional site did warn about " no secured cards '' ( which it does not ), they confirmed to me many, many, MANY times personally and verbally that we had a deal and I would received {$200.00}, which is its own free-standing promise. 

I explained all this today to a customer service rep, then to their manager XXXX, said I was going to file a claim here. They said they would feel ripped off too, said they understood that they lied to me, and then refused to do anything to help me. So here we are.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (SC)

My identity was stolen in XXXX of XXXX by my ex wife boyfriend at the time. She had me falsely XXXX in XXXX and during that time her boyfriend had access to my phone, wallet, car and all my personal belongings. He gained access to my navy federal credit and debit cards and also my online banking. During this time he completely cleaned out my checking account until it was neg almost XXXX and ran my credit card up to over XXXX. Navy Federal is the lean holder to my mortgage and since this all happened I filed 2 fraud claims that Navy Federal has sided against me. I even submitted the police report along with FTC report regarding the identity theft of my accounts and they keep shutting me down and siding against me. 

Access number for account XXXX
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX  and XXXX  reports. They have now forced this fraudulent account onto my Equifax report. I have notified Equifax on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
Consumer complaint received 2021-03-22
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. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

I believe XX/XX/20 is how long they've had my money. I deposited a couple of checks for friends with no IDs and it was fine until I deposited my own check then it locked up my account. They said I have to show those IDs for the people of whom I cashed their check that they are holding. I know that this is not how they do everyone as I know a few others who have done the same and their accounts are fine. I asked if there was a problem with the check 's as they are from the Department of Treasury and they said no. So why are they holding XXXX from me since XXXX if not longer?! It's Chase bank
Consumer complaint received 2021-03-22
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. (SC)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XX/XX/XXXX and financial XX/XX/XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I closed a broadband account with XXXX  when I moved. Their customer service rep did not tell me to return a depreciated modem. They then charged me for the purported value of the equipment. 

When I contested, they pointed to a clause in their contract to return items, but nothing in the contract explains how to return an item. ( Also keep in mind this was XXXX  2020, when COVID disrupted even traditional practices. ) They ( 1 ) did not ask for the modem to be returned or ( 2 ) explain how to return it.

To cover their ineptitude, they have put this bill for a debt that I do not own in debt collection over the past year, through multiple debt collectors. I had informed them that the next collector would lead to a CFPB complaint.

They are even now offering a 24 % discounthow kind. Only 76 % on the hook for their incompetence.

They are repeatedly trying to use debt collection harassment to get a consumer to cover their own mismanaged operations.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal for no reason " permanently limited '' my PayPal account and placed a 180 day hold on my funds. I do not sell items online and do not receive money via PayPal so there is no chargeback risk to PayPal. I have had the account for years and use it only to purchase items like XXXX and relatively small purchases online. 

I have a balance of XXXX with PayPal and I do not intend to let them sit on it for 180 days. My email associated with my PayPal account is XXXX. Please have PayPal release my funds. 



The following is a portion of the message I received from PayPal : " You can no longer do business with PayPal ( Ref ID - XXXX ) From : XXXX XXXX ''
Consumer complaint received 2021-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I have sent XXXX, equifax and XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX  is no help even after speaking with a customer service representative. I can not get XXXX  or equifax to take them off either.