davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2022-03-19
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: Santander Consumer USA Holdings Inc. (TN)

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Santander Consumer USA ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (AZ)

I have asked for assistance since the Foreclosure date was set and given to me on or around XXXX. I have faxed in their application for a modification which Selene verified over the phone when it was received. I have placed many calls to Selene over the last XXXX weeks and as of today, this issue was escalated to the mitigation team for review for the second time, and was advised that there is an issue with cases/emails going to the mitigation team. Today I spoke with XXXX and I was advised that there was an issue she would be reporting in an email of escalation to her manager. 
I reached out to XXXX XXXX from XXXX XXXX XXXX XXXX on about the XXXX to see if they could assist but they do not have funds. 
Anyway, I permitted XXXX to reach out to Selene on our behalf to see if there was an issue or anything she could do. 
XXXX replied to me in an email on XX/XX/XXXX : Hello XXXX and XXXX, I spoke with Selene today. The information I received was that it had not been determined if anything else is needed at this time and takes XXXX - XXXX  days for review. I did ask and confirmed she would send a note to Loss Mitigation for a status update. We will call back in XXXX week - next Thursday, for an update. I did confirm they received all documentation from what she could see, so that is good that the transmission was good. 
If you hear anything different, please let us know. 
Thank you, XXXX XXXX
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

I was paid direct deposit. I can't be exact on amounts because later that day I was blocked. I was charged {$90.00} something dollars for i don't know what. No paperwork and no answer from NetSpend. Then my wallet was stolen and debit card used for overdraft, {$100.00} something dollars, then my account was blocked from even viewing my statement. I was to receive a refund from XXXX XXXX for XXXX XXXX  i never received and was told i would receive a check via mail. NetSpend says they never got it but I have the transaction report from under armor saying that they did. I'm out {$150.00} for whatever reason. I've requested statements and reasons but nothing but the generic response of we'll get back to you by such and such date but they haven't once. I needed that money then and even more so now. I live paycheck to paycheck and am unable to catch back up with the late fees im accruing for no reason.
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX bank Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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 2022-03-19
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. (CA)

XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for XXXX new credit cards. 

XXXX months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Consumer complaint received 2018-07-14
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. (GA)

XXXX refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then XXXX  should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and Equifax is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have a student loan from XXXX XXXX from XXXX, School : XXXX XXXX XXXX, XXXX PA. XXXX XXXX is no longer in business and my loan is now serviced by NAVIENT . In XXXX of XXXX I contacted Navient because I was having trouble making my loan payment. The first thing they did was ask me if I wanted to make a payment that was very high, I believe around {$200.00} which was significantly higher than my regular payment. When I explained the situation, I was offered one or two choices, a brief deferment or a new program, income based repayment. I was not told I had any other options. I was placed in the income based repayment program, ( REPAYE ) program as of XX/XX/XXXX. After being in the program for several months I was made aware that at the time I accepted the program they offered, I was qualified for hundreds of other programs, including loan forgiveness AT THAT TIME. Navient did not disclose this to me and stuck me in a program that has reset my 20 year forgiveness date to zero, which means the loan amount will continue to accrue interest and will be XXXX years old when I am eligible for loan forgiveness again, so for a student loan from XXXX, I will now be eligible for loan forgiveness in XX/XX/XXXXwith XXXX knows how much more accrued interest. If this is n't a crime, it should be. When I called regarding my discovery, I was told I was no longer eligible for loan forgiveness because I " chose '' the income based repayment program and my 20 years were now reset to another 20 years. I was also told, " We were n't required to tell you that you were eligible for loan forgiveness. '' If this is not a crime, it should be. Navient has grossly deceitful and probably unlawful business practices in place. I should have been made aware of all of my options, especially the ones that were most beneficial to me as the debtor who has never defaulted on my loan and continue to repay my student loan in good faith to the best of my ability for 22 years and counting. The fact that the original loan amount was {$6000.00} and is now almost {$19000.00} is criminal and compounded by Navients ' failure to disclose my options other than the ones most beneficial to them.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I bank with Chase Bank and have my pay check direct deposited into my account. On Friday my check was not in my account and when I called Chase bank on Friday morning they told me they can see the direct deposit and informed me that every account number has its own routing number rather than the bank just having 1 general routing number and as a result the check is stuck in the computer system because the routing number used was for my other checking account with them. They verified the account number was correct though but couldn't do anything because it was stuck in the computer system and to call back in 24 hours if it still isn't in my account. I called back the next day and was told they can't do anything till Monday but will start the claim and the claim department has 10 days to work on my claim! That means I have to go 1-2 weeks with no money in my account and have no way of getting gas into my car or feeding my children properly for the next week or two because Chase bank refuses to release my money into my account even though they can see it! They are stealing my money!
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.
Consumer complaint received 2022-03-19
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: ALLY FINANCIAL INC. (IL)

Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

This is the fourth time I'm sending this complaint about reporting my account late when it should be reported current. I have called Rushmore numerous times and even spoke to someone at XXXX. The representative at XXXX informed me that an update has never been submitted to correct the error. They also informed me that it should be submitted electronically, which it never has been. I'm extremely frustrated with Rushmore Loan Management Services because this should have never been submitted in the first place. I received a modification in XXXX, shortly the loan was transferred in XXXX to XXXX. I made XXXX trial payment before the transfer. I was also told by Rushmore there would be no credit reporting on the account until XXXX. Since my account was closed and transferred in XXXX no late payment should have ever been reported. I would like this removed immediately since this is the fourth time I'm making the request.
Consumer complaint received 2022-03-19
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: ALLY FINANCIAL INC. (TN)

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Ally Financial, I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX 2017 I received an email with a promotion from Capital One. I entered my information on the application and was instantly approved for a {$300.00} and {$3000.00} credit limit. Both cards were shipped out on XXXX XXXX, 2017. When I received the cards and tried to activate them I was told that I had to verify my identity which I did by providing a bank statement that was requested from me. The restriction on my card was then lifted which I have the voicemail from Capital One fraud dept telling my that my cards are good to go and I can now use them. That same day I tried to charge groceries and my card was declined. I was embarrassed to say the least. When I called the fraud dept back I was told that I should of never received the cards because several people had mistakenly received the same offer and that my cards were cancelled. I feel that was discriminatory because my credit is my credit regardless of what anyone else was offered. I reapplied like they told me I could and was denied quickly because I already had a pending or previous application with them. I would like to know how does my credit get me approved with a promotion and denied without the promotion? Who are they marketing this promotion to? what demographic of people. I am a very hard working father, husband and grandfather and being declined at the grocery store caused me to be humiliated in front of the entire store. I was just told the same day that my card is available for use.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90  days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2015-10-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.
Consumer complaint received 2022-03-19
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. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-19
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: CITIBANK, N.A. (VA)

I have hard inquiries on my credit report for cards I never attempted to open. When calling the companies they said that the credit applications were denied, however they arent removing the inquiries from my credit even though I never made an inquiry with any of the banks below- XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Citibank NA, XXXX XXXX Citi Cards/Citibank XXXXXXXX XXXX XXXX NONE of these are me. Please help!
Consumer complaint received 2019-08-08
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my capital one app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called Capital One and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Please remove the employer, XXXX on my transunion report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my XXXX report.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I carry a balance on my Chase Freedom card with a promotional 0 % rate. I made additional purchases on the account in XX/XX/XXXXand XX/XX/XXXX, which is charged interest as soon as the charges hit the account. Prior to the next statement date, I paid the minimum amount due plus the full amount of the new purchases. I assumed that Chase would apply the amount in excess of the minimum amount due to the purchase balance, as the law requires that payment in excess of the minimum be applied to the balance with the highest interest. Chase applied the full payment to the 0 % balance. I called Chase and I was told that the excess payment was not applied to the purchases since they were not on the prior monthly statement and are not considered a " balance '' for payment allocation. I do not think the Credit Card Act of XX/XX/XXXX allows that. If I am charged interest on the purchases, it should be considered a " balance '' on the account for payment allocation, regardless of whether it appeared on a statement or not.