davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: JPMORGAN CHASE & CO. (MI)

I had an additional credit card I did not apply for linked to my Chase Account when I logged in this morning to check my credit card I do have with them and make sure I made the payment. I then checked my email confused on why I had a card under my account that I did not ever apply for and found that I received an email this same day stating my application for a Chase Freedom Credit Card was approved and the card would arrive in 2-5 business days. Twenty minutes later I received an email stating my paperless billing was enabled by my request for this card. I did not do these things- apply for the card or enable any type paperless billing for a card I did not apply for. I called Chase bank and they confirmed the card was applied for and approved. While verifying my personal information they disclosed that the address the physical card was being sent to was not the address that I provided to them for myself -- which I gave them my permanent address. They confirmed that this application was fraudulent and that it was applied for in the last 1-3 days and that the application was approved this morning. I caught it just in time! The card has been cancelled and I have reported the fraudulent activity to the credit bureaus as well per Chase Security Teams request.
Consumer complaint received 2023-05-22
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

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.

Account name : AFFIRM, has violated my rights.

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 2023-05-22
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I did not give permission to run my credit and acquire these inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX Equifax ) XX/XX/2023, XXXX XXXX XXXX ( XXXX ) XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This is very frustrating and holding me back from the credit score I deserve.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (WI)

in accordance with the fair reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-25
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. (MD)

I requested an extension on my auto loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. XXXX  XXXX XXXX XXXX gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. XXXX  XXXX XXXX XXXX then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with XXXX XXXX and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.
Consumer complaint received 2023-02-23
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. (TX)

I now have 2 separate loans from the company XXXX reporting on my Experian credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and XXXX.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a complaint against the Capital One Bank which was described as follows : " On XX/XX/2023 there was a wire transfer from my business checking account with Capital One Bank in the amount of {$290000.00}. My account was debited this amount. I got a call from the bank about this wire soon after it was done to ask if it was me. I told the bank that I did not do that nor I am familiar with the company to which wire transfer was done. They were aware that the wire transfer was made to XXXX XXXX XXXXXXXX and I was told that they had made a recall on it. For the next two weeks I was told that they are investigating. In the third week I was told that bank is not going to return my money. I had a small business checking account no. XXXX with Capital One Bank which has been deactivated now ''. 

As per CFPB the case was closed as bank responded but what bank responded is a complete lie in which says that I contacted them on XX/XX/XXXX and brought to their attention the fraudulent transaction. The bank was very much aware of the transaction when it occurred but did not stop it. As you can see from the emails of bank which are uploaded that the bank was communicating with me since XX/XX/XXXX and telling me that they are trying to get the funds back and I was supposed to wait. 

I am suffering due to bank 's negligence and hope for a fair treatment from you.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (IL)

On XX/XX/2023, I sent a letter to CKS Prime Investment asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had 30 days to supply the information and have not.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OH)

This is day 2 of asking for my money and interest accumulated to be returned to the original bank account. I need my funds released or get in contact with the power to do so in a week. I have contacted my local news station on your terrible customer service and unethical lockdown of my funds. I will be sending a complaint every day until this is resolved.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NY)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has asked me to file his complaint Please don't close this again at both mine and Bank of America 's request until it has been sent to them. They are unaware of the below information. 

There were a few things I wanted to bring to your attention. 1. I was told when I first filed the complaint that it was well within the time limits to get the charge reversed. This was reinterated on a second phone call. 2. I was told when the resolution finally came forward, that there were just too many other people that had filed and they never got around to doing proper research and thus had missed the subsequent deadline to actually take action. 3. I had rented three units with XXXX properties and was overcharged on two of those rental units. One I had paid for with Bank of America Credit Card and the other I utilized my XXXX XXXX XXXX. I filed claim disputes with both at the exact same time. XXXX was able to reverse the charges working with the condo rental company. Given they were both XXXX cards and were for the exact same dates ( both the initial charges and the filing of the disputes ), I don't think your explanation makes complete sense to me. Can we escalate this as not only do I want the {$320.00} reversed and sent back to me but I want to help improve your systems for other clients. I look forward to hearing from you. XXXX
Consumer complaint received 2023-05-07
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. (MO)

Dispute of Double Reporting I only had one acct with XXXX XXXX in 2019 Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2023-05-09
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-17
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. (IL)

Notified XXXX XXXX Equifax and XXXX on XX/XX/2022 and have to be notified of my disputes being investigated and violates my rights as a consumer
Consumer complaint received 2019-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus TransUnion, XXXX, and XXXX.
Consumer complaint received 2019-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have called and set up numerous programs and nothing seems to be moving on these loans it affect my credit report it takes my income tax and still have same balances. 
It ridiculous how they come up repayment plans that are outrageous and not moving none what so ever
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I am currently a day trader and have every legal right to access my funds. I have XXXX locked in Venmo for reasons they have not explained. I have verified my identity with the company and yet they have not granted access to my remaining balance. I have contacted the company numerous times starting on XX/XX/2022. They say they can not give any further information out because that is not in their department. Please help me resolve this matter as fast as possible. I need my funds to continue to provide for my family. Thank you
Consumer complaint received 2024-03-14
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (AL)

Second time reporting this company. As stated on the first complaint I googled the address and found this company as a debt collector. As stated in the first complaint, this person does not live here. I stated this before as addressee is not a current resident and have asked this company to stop sending mail to a person who does not live here. XXXX XXXX is the addressee and I would appreciate if this company would stop sending mail to a person not even here. 

This is considered to be harassment as this point as I have informed the company that this person is not living here and they need to stop sending mail to someone who is not a resident of this address. If this is not stopped my next step is contacting a legal representative to see how to stop a company from sending mail to someone who isn't residing at my address and as stated before I HAVE informed the company who apparently disregard the notice of no one living here, by the name stated on the mail being delivered. Its not my faulty this person has not forwarded their address and I demand no further mail being sent here for this person. Also, mail is being sent back via the USPS and stating to my carrier this person is NOT at this address.
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc. (TX)

I spoke with XXXX XXXX of Mr. Cooper, who currently services a mortgage on my primary dwelling, and inquired about refinancing a rental property from another mortgage company since they no longer did mortgage financing. We talked at length regarding my needs, he verbally inquired about the property in question, and gave me ballpark numbers regarding interest rates as well as equity available for a cash out. I told him specifically, on the recorded conversation of Mr. Cooper 's requirement, that I wanted a written explanation of everything that we talked about before I make any decisions regarding any type of application nor commitment. To date, nothing has ever been received. To date, however, on the XXXX he has sent me 4 emails regarding applications and made phone calls to follow up, but I have not responded. I also received a notice about my credit report being pulled without my verbal or written authorization, dated XX/XX/24. I should have known better than to trust a business with a XXXX score of XXXX.
Consumer complaint received 2024-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

1. I made several advance payments while my loans were being serviced by Great lakes. I was on an extended graduated repayment plan and the majority of my loans were paid down in advance with no payment due until 2027. 

2. My student loan servicer was changed to Nelnet and all my advance payments from Great Lakes were not acknowledged with the transition to Nelnet and the XXXXXXXX XXXX XXXX. Upon approval of my XXXX XXXX on XX/XX/XXXX of this year, Nelnet requested immediate monthly payments in excess of XXXX a month without even reviewing my prior payment history from when the loans were at Great Lakes XXXX. Nelnet has forced my loan status into forbearance due to a problem that they created. Its not my fault that Nelnet did not review my loan history from Great Lakes during this transition. Nelnet says they are reviewing my case but they will not give me any sort of timeline for completion of the review. Nelnet continues to collect interest all the while. 

5. my payment history from Great Lakes has not been made readily available to me on the Nelnet website and the telephone operators with Nelnet also do not know how to access it. I think a student loan servicer should be expected to have reasonable history of all payments made from the life of the loan. The exorbitant loan servicer fees that are charged when the loan is originated cover expenses like this.