davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act conversion account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My TransUnion account shows a collection account for XXXX XXXX XXXX XXXX I contacted XXXX. The account was closed and charged off in 2013. I filed a dispute with TransUnion and the contacted the current owner of the collection, XXXX  and XXXX XXXX They verified the account as accurate but, they did not check into the charge off date and date of last payment. I have tried to contact XXXX and XXXX but they will not provide me with any information but continue to make harassing and threatening phone calls.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019and XX/XX/2019I received a letter from Portfolio Recovery Associates,LLC
In response to a dispute related to a XXXX XXXX  Credit Card. That did not apply for. 
They stated that I owe XXXX  I have not apply for a XXXX credit card.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

Navient services my Federal Student Loans. In XX/XX/XXXX the Federal Government with the CARES act stated that Federal Student Loans could be in deferment until XXXX of XXXX and not accrue any interest. I called Navient and stated I wanted to take advantage of this as I had some other large loans to pay back and my husband was out of work due to COVID. The informed me that I was eligible and that their would be no interest added to my loan from XXXX to XXXX. Then I read that this would be continued until the end of the year. Navient was already sending me notice that I was behind in my payments as of XX/XX/XXXX so I called them and they told me I could go into Forbearance but interest was accruing on my loan and it had been since I put it in Forbearance in XXXX. I informed them that I understood and the Navient CS person stated in XXXX that I would not be charged interest. The Navient CS today stated that my loan is not owned by the Education Department and only Education Department Loans were entitled to this so they are putting another whopping amount of interest on this loan. My loans started out at {$61000.00} in XXXX and today after making many payment are at {$68000.00}. I am 2 years from retirement and they just continue to go up. I understand that I took this money out years ago to try and better my life and the my kids life and it did provide me a better job, but I have paid so much in already, which Navient only shows what I've paid since XXXX and I own more and more all the time.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

My XXXX XXXX  application was submitted at the end of XX/XX/2021. The Underwriter and the Loan officer worked very slowly to process the loan. They requested the same documents multiple times and spent XXXX months to give a decision ; Loan denied in XXXX XXXX XXXX The reason for denial was " because I was not working at the time. '' I had current paychecks throughout the XXXX  month long ordeal up until the very end when work is generally slow for me because of the winter weather. 

A little background on my work situation the Bank KNEW about when I began my application. I am a XXXX  and I generally complete most of my work in Spring, Summer and Fall seasons, the Winter season is generally slow and I do not work as much. Regardless, my income this year is more or less what my average annual income has been in the previous years. 

In a nutshell - The Loan Officer/Underwriter denied my loan on the basis that I am not " currently working '' where they already had prior knowledge about my work situation AND the fact that I have already earned my average annual income this year. 

The bank also knows that I NEVER filed for loan grievances during covid or missed any payments whatsoever. Needless to say I have a very good track record of making my payments on time, consistently. And I have done that working as a bricklayer my whole working career ; there is no change in my work situation, it is not out of the ordinary for me to not work in the winter. You don't need to be a rocket scientist to understand that fact. 

From my research I have found that the average refinance loan process can take as little as XXXX  days or over XXXX XXXXays. The average refinance loan process takes XXXX days. My loan process took XXXX days. Why is that? 

I submitted all the documents asked of me within a day or XXXX of the requests. In addition to that I was asked for multiple documents more than once ; which is reasonable if the nature of the documents is dynamic; such as paychecks. But the underwritee/loan officer ALSO asked me for the same exact documents multiple times. These requests needlessly extended loan processing time ; this should not have been the case because the bank already had possession of these requested documents ; rather than look for them in their files they asked me to resubmit. 

The delay in processing the loan also prevented me from applying for credit because how it would reflect the loan application. For this reason I could not reach out to other banks to apply for refinance elsewhere. 

XXXX XXXX rates have climbed since my application with Citibank was submitted and now I do not have any recourse to apply elsewhere because the rates are not favorable to me. 

This process has been largely unfair to me and it downright seems that the process was not completed in good faith.
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (WI)

i have asked Professional Placements services to provide me with proper written validation of my alleged debts and they have failed to comply with FTC standards of validation per the XXXX opinion letter put out by the FTC.which states that proper validation is not achieved by a simple printout from the collection agencies records.and this is exactly what this company has provided and called proper validation.this company has been involved in unfair debt collection practices and is in violation of the FDCPA
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (VA)

I received a letter demanding payment for an electrical bill for an old address during a date that I did not live at that address. The amount is for XXXX. They did not send me any evidence of this bill in the past, which was dated at XX/XX/2016. False claim. This was not on my credit report either. Seems completely fictitious if valid. If valid, it is not my debt.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

Equifax Information Services LLC on XX/XX/2019 mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I do not live there. Do not own, rent, or have a mortgage at or at that address. Equifax has my name or some one else at this address. I have uploaded the letter on XX/XX/2019and Equifax Information Services LLC. My name is not Spell right and this person on the letter XXXX XXXX is not me nor my address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXEquifax Name on Letter XX/XX/19 XXXX XXXX is not me nor my name. It also seems Equifax likes to play a lot of games with there error..Stop sending mail that's not me to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX unless you have documented proof to provide of the said address.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (MA)

I had transactions that were made on my card.com debit card that I never authorized or benefited from and the person XXXX XXXX admitted that he stole my card and made the fraudulent transactions and hes now in jail because of this
Consumer complaint received 2023-04-06
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (CA)

XXXX XXXX had erroneous reporting on my credit reports and it has seem to affected all agencies. I have disputed the charge in its entirety due to inaccuracy. 

On XXXX XXXX, 2021, I disputed the account with Experian directly, but was informed that Experian determined the information as verified and accurate. During a XXXX XXXX, 2021 follow-up phone call with Experians representative, the rep indicated that Experian did NOT conduct an independent investigation into the information, but rather solely relied upon XXXX to determine the accuracy of the information. The Experian rep was XXXX XXXX and confirmed they did not do an investigation and only relied on XXXX 's statement. 

I have previously disputed the debt with XXXX XXXX XXXX XXXX and XXXX XXXX on XXXX XXXX, 2021 and XXXX XXXX, 2021 respectively. Neither entity provided a response to my FDCPA dispute. I can provide copies of this correspondence if needed. As such, I also formally disputed the information directly with XXXX and request an investigation as outlined in Section 623 of the FCRA.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act conversion account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2023-04-06
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)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

My Costco anywhere visa card had been charged different amount each times since XXXX, but I didn't expect it until XX/XX/XXXX because I do use it most of times, I didn't realize I used a lot until I found it. I called to Costco about that, but they said they can only work on last 60 days, but they didn't call or noticed me about been charging different amount anytime. But they kept said 'sorry about that, but it's been over 60 days, there is nothing they can do '
Consumer complaint received 2023-04-06
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. (PA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ME)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX USD was transferred from my XXXX XXXX  your services. I never look backwards except for learning, nor do I have a proclivity to blame others for my downfalls, however, I cant help but link this enormous loss with the trust I had instilled in your institution, a regulated one.
Consumer complaint received 2022-04-07
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I never requested for an extended fraud alert to be added to my Equifax, XXXX  and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my Equifax, XXXX  and XXXX XXXX credit report.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, XXXX, XX/XX/XXXX of XXXX, I received this email to my address, XXXX. However, my registered email to your company should be XXXX. Since, yesterday, my attempted transaction at the United States Postal Office addressed XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; however, I could not use my Chase credit card and needed to use another bank card. Since I do not use this Chase credit card often because of the chaos of last year which happened by the illegal transactions and replacement of cards, several times, simply I do not use so often this card ; because whenever I chanced the card numbers for the payment, some illegal transaction happened and I needed to change again to another card ; therefore, I just decided not to add this Chase card for the preferred card. Then, after I returned from my work, I realized the email from your company to XXXX  address. At first, honestly, I thought it is fraud or phishing, since I had many phishing mails last year, too. Therefore, I have decided to ask the investigation. When I started to work on this letter, I had some transaction needed to finish online. Then, my transaction with this Chase card was again refused. Therefore, I called your customer service and the woman, who had the dialect of XXXX, asked me something fraud activities, and I told her I could not use my Chase card without any reason, since I did not use at all, and I did not know why I could not. Anyway, at least, she must have unlocked my card and made my card usable. I asked her whether my registered email is XXXX and she said yes. However, I do not remember whether I have registered the financial email addresses to this XXXX addresses. Anyway, since I do not use this Chase card often at this moment, it is fine to keep your company credit card information with this email, but not my husband, which supposed to be managed by himself until his death. The main point is there is no explanation why my card was refused for my transactions after these unbelievable uncountable illegal matters. Therefore, I request official explanation. 
Sincere,
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On the afternoon of Wednesday XX/XX/XXXX I initiated a Western Union money transfer to a charity in XXXX to support medics and doctors volunteering in the war. 
Western Union flagged it and put it on hold, I called at about XXXX XXXX  the SAME DAY to cancel it. 
I called Western Union and spent an inordinate amount of time on hold and talking to their compliance department. 
They refused to cancel it. 
There is no way for me to cancel it online. 
In order to cancel it, they requested documentation ( e.g. a passport ) of the recipient. 
I patiently explained that I do not know the recipient, had no way to get this information and I wanted to cancel the pending transaction. 
Western Union refused my request. 
They flat out refused to cancel my pending transaction, even though they already flagged it for potential fraud. 
I am livid.
Consumer complaint received 2022-04-28
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. (IL)

XXXX ( XXXX ) Unauthorized Hard Inquiries Equifax ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX XXXX {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act Convergent Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy.

15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions or Consent
Consumer complaint received 2021-05-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending, LLC., ( hereafter " The Company '' ) mislead me to believe I could qualify for an FHA loan for the amount of {$640000.00} USD and had me remove contingencies putting a deposit of {$8000.00} USD at risk. This company never ran my spouses credit and said I wouldn't need to, then strung me along for weeks convincing me that this loan would go trough, even though I have since found out this goes against FHA guidelines in my state of residence/purchase. Also, their handling of this situation was very poor, their final response to an email sent to them was simply " ok '', VERY unprofessional.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc (MI)

I have a XXXX XXXX Account with Chime, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.