davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On the XXXX of the XXXX /2021I tried to purchase honey love jar spell from a merchant the cause of that item was {$550.00} I use my bank account jm Morgan Chase to made the purchase with their service that they provide XXXX XXXX upon making the purchase with the merchant the merchant was supposed to ship the item to me and send me prove. The item has not shipped the merchant that goes by the name XXXXXXXX XXXX XXXX never respond back to my text or email I tried to contact Chase about the situation more than once they're saying that even though they provide services it's like handing over cash to someone and they're not responsible for my money that I lost so I'm filing this dispute I'm hoping that you guys can help me to get back my money from my bank or merchant XXXX a love spell contact number XXXX XXXX please call if need any more information my contact number is XXXX and my email XXXX XXXX
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (MA)

During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep frustration and dissatisfaction with the lack of progress in resolving the fraudulent items on my account, despite multiple attempts to rectify the situation. 

I have diligently followed the appropriate procedures and channels to report and dispute the fraudulent items appearing on my account statement. I have provided all necessary documentation and evidence to support my claims of unauthorized transactions. However, despite my numerous attempts, the fraudulent items have not been removed from my account. 

This ongoing delay in addressing the issue is unacceptable and has caused significant distress and inconvenience. Not only do these fraudulent transactions compromise the security of my account, but they also tarnish my financial reputation and integrity. 

I demand immediate action to rectify this matter and promptly remove the fraudulent items from my account. Additionally, I expect your institution to conduct a thorough investigation into the source of the fraudulent activity and take appropriate measures to prevent similar incidents from occurring in the future. 

Furthermore, I request regular updates on the status of the investigation and the actions being taken to resolve the issue. It is essential that your institution demonstrates transparency and accountability in addressing this serious matter. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, has violated my rights. 

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.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I applied for a student loan refinance w/ XXXX XXXX XXXX a division of XXXX XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have been in repayment with Mohela for my federal student loans since XXXX. My original principal was {$120000.00} and I have been on a plan in which I've been paying in excess of my repayment amount under the belief that I was paying down my principal. Turns out that the extra payment have been going towards monthly interest instead, and after a decade of diligent repayment my balance is currently still ridiculously high at {$88000.00}. 

I have been paying {$1000.00} a month consistently without fail from XX/XX/XXXX, not to mention the payments I made prior to implementation of that level plan. According to the company, if I were to continue paying {$1000.00} a month, I have XXXX months left to fulfill my financial obligations, which means I will be paying an additional {$180000.00} when all is said and done. 

This does not make sense. The system needs to change. A company that has been tasked by the government to manage the repayment of student loans should not be allowed to be so predatory. It was not made clear that my excess payment was not going towards the principal. I shouldn't have to be in debt for XXXX years and pay {$280000.00} on a government assisted student loan of {$120000.00}.
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020 I mailed out a letter to Experian Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Experian since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Experian has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Experian must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/XXXX I made a {$220.00} Cash payment at the Target Store in XXXX, MN towards my Target Redcard Store Credit Card. Its long been Targets custom to apply the payment right away when its paid in cash as thats likely the quickest tender to do so with. When the payment didnt show up on my account a few hours later I figured they might be having some system issue and waited until the next day to contact Target Customer Service XXXX 
The next day on Wednesday, XX/XX/XXXX at XXXX AM CT I called Customer Service to inquire about my payment and why its not in my account. I was connected to a Target Service Rep who informed me it now takes 24 hours for cash payments to show up and apply to your account and with that I asked if this was a new policy, to which he responded sort of. 
The Target customer service representative informed me that the payment would show up later on in the early evening CT as I had made the payment that prior day during the evening at Target. I just left it at that and said thank you and ended the call. I checked my Target Credit Card account again this evening the XXXX of XXXX about XXXX PM CT and it has still not been updated to show my cash payment.
Consumer complaint received 2022-06-13
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: LEXISNEXIS (VA)

Referencing my ongoing issues and previous complaint # XXXX, I received a letter from Lexis Nexis dated XXXX XX/XX/2022, with a Disclosure Report URL of https : XXXX and a PIN of XXXX, but I'm not able to access the report. I get an error and am not able to access my report. I first received the error without the option to submit the Captcha responses, then I was able to select the images and respond but I still got an error. 

Additionally, the current letter states that there was unverified info. associated with me from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, as well as from the LexisNexis XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I am a member of the military and have tried to get legal assistance for what I think may be fraud and violations of consumer protection laws. Please help me.
Consumer complaint received 2020-07-27
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. (AR)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Consumer complaint received 2024-03-05
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. (GA)

XXXX XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-07-27
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. (AR)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC (TX)

I totalled my car and Quality acceptance was paid and now they put my left over loan as a collection/ charg off after we talked about me trying to pay it off or get refinanced through someone else for a new vehicle. Covid-19 is going on we all our struggling this is ridiculous. I paid my car not on time.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

This is 2nd complaint. The credit co. Will not change my name to my correct legal name or remove addresses that are not mine. I have supplied soc. Sec card x 2 and state id x 2. These incorrect names need to be removed immediately.
Consumer complaint received 2020-07-26
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. (AR)

On XX/XX/2020 I mailed out a letter to Equifax Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Equifax since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Equifax has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Equifax must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Consumer complaint received 2018-05-01
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. (MO)

The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates are XX/XX/XXXX, more specifically XXXX XXXX and XXXX XXXX. Its not my job to XXXX  a collection company, its XXXX XXXX   and Transunion job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AZ)

XXXX XXXX secures mortgage for XXXX XXXX XXXX XXXX, XXXX, AZ, my current residence XXXX Foreberance covered by HUD Lien in the amount of XXXX XXXX I sign note, notarize and send back to XXXX  XXXX Hud brings loan current by applying lien amount to account. 
XXXX XXXX sells mortgage account to Flagstar with lien amount intact XXXX Flagstar offers XXXX  refinance on current loan XXXX Flagstar discovers HUD lien was never filed with the XXXX court or mortgage title. 
XXXX Flagstar can not produce original note signed by me and notarized XXXX Flagstar claims that court refused note because notary stamp was not clear, but can not product evidence that it was rejected. 
XXXX Flagstar wants me to sign an exact duplicate of the original note to file with XXXX XXXX XXXX Flagstar threatens to remove {$10000.00} from my account ( added by XXXX in XXXX ) if I don't sign. 
XXXX I commit to sign if verbiage in the note explicitly declares the note a replacement in its entirety from the original lost note. 
XXXX So far, Flagstar will not produce a note with that verbiage to hold me harmless from the original that they can not produce. 
XXXX XXXX to Hud. Their position is that XXXX is responsible for the Lien amount and because there is no legal note, and the loan was sold, I am no longer responsible for repayment. 
XXXX Flagstar repeatedly sends me a copy of the note, wanting me to sign it without identifying it as a replacement for the original lost note. They have not produced the original Note or evidence that it was rejected from XXXX XXXX XXXX.
Consumer complaint received 2022-06-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX # XXXX XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2024-03-08
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (NY)

i have been with FDR since XX/XX/2022. Since then they have collected {$4300.00} which i belive was mismanaged. i had active XXXX settlements but when i called to change my withdrawl date to align with my pay date my settlements were cancelled. i called and spoke with a supervisor and was advised they would pull the call and if the rep didnt advise that my settlements would be cancelled, everything would be reinstated. i havent heard back from this supervisor ( that communicated thru XXXX XXXX ). i called again and spoke with XXXX whom asked for her to lookinto this and never got back to me. I called again and spoke with XXXX XXXX whom was going to look into this. She did get back to me and had one account reinstated. When i looked into how much money was taken and questioned the fees, she advised there was an error and would fix it. i also asked for an itemized statement to which went unanswered. This process was over a months time. i now called to cancel the program as not one supervisor has followed up. i was advised upon termination that they would take out their additional funds and refund the balance which looks lik {$95.00}. Even if they charged me for the settlement fees of 25 % it would come to {$2200.00} which was supposed to be taken over time. so a year and a half later, i am {$4300.00} further inthe hole, not one settlement completed but the company made a nice profit off of me for no services completed.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

My wallet was stolen and someone used my debit card to pay a home loan for a amount of {$1600.00} the merchant name was XXXX* XXXX pa I called the home loan customer service reps and asked if I could get a stop payment since the payment was still pending and they said it was nothing that they could do. Then I called Chime and they told me that I had to wait until the payment posted in order to dispute charges. I waited until the payment was posted called chime and disputed charged on XX/XX/2022 @ XXXX XXXX  and got denied around XXXX XXXX  on the same day. I called back and asked why I was denied because all the investigators had to do was call the merchant in order to confirm I never had an account with this merchant. Investigation was improper.