davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I never authorized a digital wallet account, it was closed when I requested it to be however I was still being responsible for the charges thur XXXX. The XXXX account was also closed due to fraud because of the charges that were not recognized .Then this escalated up to Chase bank where the charges were applied. Which at this point in time could not be rectified because of covit shut downs. After many attempts thur faxes and emails during covit I was still being told that I was responsible for the charges. This problem is occurring on multiple chase cards from the same company, XXXX XXXX.
Consumer complaint received 2021-08-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I began the process of refinancing my home in XX/XX/XXXX. I was not able to close on the refinance until XX/XX/XXXX. I was told at the time of application that it would be 45 days to close because it was a streamline refinance. After XX/XX/XXXX I basically emailed the processor every week or 2 to find out what was going on. The answer was always 'we are still waiting '. She was hardly ever able to tell me what we were actually waiting on. Only after I called and complained to everyone that would listen did I get any results. By that point i was calling almost every day. In the beginning I was told that I could not open any new lines of credit or do anything. AFTER the complaint I was told that I could do whatever I needed to do. This was 9 months into the process. I also told that I would receive at the closing. The amount I received back was significantly less than what I was told by the processor. Bottom line, I feel like the closing was mainly delayed so I would still continue to pay at the higher interest rate.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I was diagnosed with XXXX in XX/XX/2021. I was very ill for two months and was not able to work during that time. I reported my illness to TD Bank but did not receive a response back. TD Bank reported a late payment of my Target credit card bill but I could not pay the bill due to my XXXX  diagnoses.
Consumer complaint received 2021-08-05
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: CONRAD CREDIT CORPORATION (FL)

I have contacted Conrad Credit Corporation several times and they have advised me that I only have one active account with them however they continue to report another account that does not belong to me on my XXXX  credit report. I have tried to dispute this account with XXXX and they have advised me that this 2nd account has been verified with Conrad Credit Corporation. When I contact Conrad Credit Corporation they have stated they can not update XXXX  about an account that does not exist in there system however they are the company that is reporting this inaccurate fraudulent account that does not belong to me. Remove this fraudulent account and update XXXX  with this information in order for me to consider resolving the account that does belong to me with you all. I will not resolve any account with Conrad Credit Corporation until they resolve this matter as it is damaging my credit.
Consumer complaint received 2021-08-04
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. (WA)

I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to XXXX and after my dispute XXXX blocked my report and now I CAN NOT even see my report, besides XXXX didn't even response to my dispute. Transunion not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-02-05
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: Early Warning Services, LLC (LA)

I honestly don't know when this started but I just checked my credit score and it was and then I got a letter in the mail saying lack of sufficient relevant account information I have too many collection agency accounts that are unpaid etc.
Consumer complaint received 2024-05-29
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 have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its not on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately
Consumer complaint received 2021-08-05
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts 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 XXXXXXXX XXXX XXXX # XXXX Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which XXXX to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2021-08-05
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)

I XXXX XXXX the consumer, have unauthorized accounts on my credit report that resulted from identity theft. 15 usc 1681c2 says that unauthorized accounts must be rremoved if it is related to identity theft. the unauthorzed accounts are attached in my ftc report.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This is my third complaint. The previous complaint was regarding the inability to receive a letter from Nissan stating my car account was paid and up to date. My ex-wife did not pay the car for three months and I was never informed by Nissan. I went to apply for a loan with XXXX XXXX and it provided a letter stating that I was able to purchase. I am currently under contract to purchase a home but I can not because I can not get a letter from Nissan stating that my account is current and the current balance in order to re-score my credit. My credit score dropped from the 700s to the low sixes due to the late payment. Three different Nissan customer service agents said that I could not get a letter until after 21 days had passed my XX/XX/XXXX payment in case I " withdrew '' the payments. I received a letter from Nissan on XX/XX/XXXX and the credit bureaus stated the letter did not provide the current balance and they could not re-score my credit. I just called Nissan and was transferred to another department. When I was speaking with the agent along with my loan officer, XXXX XXXX, the agent said that Nissan 's loss recovery department could not provide a letter at all because my ex-wife filed a bankruptcy in XXXX!!! This is totally different than my experience with the other customer service agents. They never said anything about my ex-wife 's bankruptcy. I requested to be transferred outside of loss recovery and the agent refused and said that her supervisor could not come to the phone because she was busy!!! I don't know if Nissan now flagged my account because I made a complaint with the CFPB and will now cause me problems in the future. I need a letter NOW from Nissan stating that the account is current and the current balance due. It is ridiculous that I need to make three complaints in order to get an accurate and satisfactory letter from Nissan. If they are doing this to me, they must be doing this to other consumers.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from Capital One from using their qualifications tool. I contacted capital one with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Union XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have been making payments toward Public Service Loan Forgiveness since XXXX. In reviewing my qualifying payment tracking history, the XX/XX/XXXX payment is randomly listed as " ineligible '' for reason of " you do not have a bill due for this payment period ''. There is no authorized or known reason that a bill would have not been due that month, and a payment was made on XX/XX/XXXX in the usual amount of {$67.00} as is demonstrated in the transaction history.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CT)

I received a letter from Citibank informing me that they had downgraded my credit card from an {$8600.00} Credit Line and {$2000.00} Cash Advance Line to a {$1000.00} Credit Line and {$0.00} Cash Advance, on my CitiBusiness AaAdvantage credit card. 

The letter stated that Citibank received a credit score from XXXX  for me of XXXX, which they used to make this decision. However, when I logged into my " XXXX  '' account, I found that my Credit score was XXXX ( Excellent Credit ), which is the credit rating that I believe I always had. 

Citibank sends periodic " Soft Inquiry '' requests to XXXX to insure that my credit rating has not changed. I believe that Citibank somehow either received an erroneous response to their last Soft Inquiry from XXXX, or that CitiBank had some processing issue and did not process the XXXX report properly. 

I can not get either CitiXXXX or XXXX to provide me with a copy of the Soft Inquiry in question. CitiXXXX refuses to re-instate my previous credit line, even though I have excellent credit and my current credit rating as of XX/XX/2021 is XXXX on XXXX. Citibank suggests I should dispute the credit report that they received from XXXX, but they will not provide me with the report that caused them to downgrade my credit. Since my credit rating/report/score on XXXX is near perfect, I don't have any cause to dispute information on their website, or with the credit report that they provide to me directly. 

I need help to force CitiBank, and/or XXXX to provide me with any documents that caused this downgrade. 

Thank you for your help
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I signed documents for a mortgage with Chase Bank and after months of not hearing from my agent, I began trying to contact the loan officer, the Chase Bank website, phone calls, and texting. I asked to speak with a supervisor. Previously I had submitted an application in XXXX, but was told the amount that I had qualify for, it was not enough money for a home loan in the range that I needed. The agent finally contact me and said that I would have to go through the process all over again because my application had expired. I then made several attempts to contact a supervisor. When I reached the supervisor I told him that I had my credit report ran twice before and this would be the third time. I asked him if he could remove 1 or more of the inquires so that my credit could be ran again and he could not make that decision he would have to forward my file to another department and they would call me which they did not.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc (MA)

Due to covid, I was laid off from my job and decided to cancel my XXXX XXXX membership. I contacted ABC Financial ( XXXX ), the third party billing company that handles their memberships, to cxl the membership. I spoke with XXXX and was told a request needed to be submitted in writing. Written request was submitted XX/XX/XXXX. Received response back confirming a pending cancellation on XX/XX/XXXX. This letter also stated any outstanding charges would draft from my account automatically ( auto withdrawals are set up through my bank ). 
Separately, an email to all members was sent out by XXXX XXXX on XX/XX/XXXX stating that they would be ceasing billing for all members due to the covid pandemic. 
In XX/XX/XXXX, I began receiving calls from a debt collector in California, XXXXXXXX XXXX XXXXXXXX. When I called back the number, a man named XXXX XXXX ( XXXX ) spoke to me in a condescending, argumentative and extremely unprofessional manner. He practically laughed mockingly at me and demanded close to {$400.00} for delinquent gym fees. I explained my membership had been cancelled and he did not want to hear it. I asked for a simple explanation of charges, totals, fees any backup he could provide - he would not elaborate. He was arrogant, spoke with a loud angry tone and it made me extremely uncomfortable. I felt threatened. 
I reached out to ABC Financial, the third party billing company that XXXX XXXX uses ; I spoke with XXXX again who told me the account had already been transferred over to XXXX XXXX  so she could not speak any further about it. XXXX was able to at least tell me I was responsible for one last month due to the terms of my membership totaling {$49.00}. I then prepared a check in this amount to XXXX XXXX which was mailed to XXXX XXXX XXXXXXXX in XXXX XXXX California XXXX. 
A few weeks went by without any calls but I now have again heard from XXXX, today receiving a message from XXXX XXXX. 
After XXXX this company online, I was not surprised to see many other people with similar experiences. These people are relentless and I feel I fairly paid what I owed, even with the gym offering to forgo charging its members. I do not feel I should be held accountable to any late charges or the XXXX XXXX from these ruthless people.
Consumer complaint received 2021-08-04
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. (MO)

XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX  ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX Bank representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: DISCOVER BANK (MO)

I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX  enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX  me for {$20000.00}.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

XX/XX/XXXX and XX/XX/XXXX three fraud charges were made on my debit card {$54.00}, {$65.00} and {$16.00} for play station charges. The bank told me to dispute it with XXXX XXXX and the XXXX XXXX website told me to dispute it with my bank.
Consumer complaint received 2021-08-04
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.