davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I logged into my XXXX account and noticed a debt collection account for {$520.00} for XXXX XXXX XXXX ( which I have never been a customer of ) They verified the account holder has the same name as me but with an " XXXX '' as a middle initial ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to which they then asked if I knew the phone number and email associated with the account. I have never seen/heard of them. They stated the account was opened in XXXX of 2019 and was active for about 2 years.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I have been working on getting a loan from QuickenLoans since end of XXXX. On XX/XX/XXXX, I signed an application ( loan # XXXX ) to lock in a rate and buy a new build condominium. 

I have a closing date of XX/XX/XXXX at XXXX and after checking and loading documents to their website every other day, I get an email on XX/XX/XXXX saying : " we are unable to lend on new construction condos at this time ''. 

It is important to emphasize that I have received a document signed by both parties on the rate and cost of the loan which has been disclosed. 
There has been no changes to the down payment required My employment, FICO score and income has not changed
Consumer complaint received 2017-06-17
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. (IA)

XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020 I purchased an Apple XXXX XXXX online through XXXX XXXX  and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

On XXXX/XXXX/2017, my daughter and I stopped for fuel and attempted to purchase it with my Direct Express card. The clerk informed us my card was rejected twice. I immediately called to inquire about the card status with Direct Express customer service and was informed of questionable/possible fraudulent charges made to my card from XXXX XXXX XXXX XXXX. I stated that I did not make any such purchase and immediately disputed any such purchases from the XXXX area as I 've never even been to XXXX. The CS representative informed me additional charges in XXXX were attempted and I could dispute those as well. I 'd like to know how actual cash purchases in XXXX were made with my Direct Express card while my card was here with me in America! The card was shredded and a new Direct Express card with a chip was issued by over-night mail. I made a police report. The reporting officer noted the incident on file but did not leave a copy of the fraudulent incidents with us. On XXXX/XXXX/17 I received a letter from Direct Express notifying me that fraudulent card activity could not be detected and the claim is due for closure. Direct Express instructed me to contact them for additional information to complete the investigation. After many attempts to contact Direct Express at level 2 ( which is the Dept which handles the investigations ), I was either disconnected or directed back to the website to verify my account balance.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ZARVAD III S.A. (CA)

This company operates illegally in XXXX. They do not have a license to lend here, which they have admitted. They charge illegal interest rates far above what California law allows. Their contract states you pay one amount, yet they charge you another. Their contract states you owe one amount, yet you actually owe another. Their contract states you've paid one amount, yet you've actually paid another.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian Credit Report is reporting negative and missed payments on my credit report. I filed for Bankruptcy Chapter XXXX. It was discharged XX/XX/2020. XXXX  and XXXX  are reporting my credit report correctly. There is a XXXX point difference in my credit score. When I tried to dispute the inaccuracies in their dispute center it said it could not not be removed because of the bankruptcy.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I received 2 letters from a law firm ( clearly soliciting for debt resolution and had been forwarded to me from my last address ) informing me that Chase Bank had filed 2 lawsuits against me for non-payment on the 2 credit cards that I had with Chase Bank. 

I was laid off in XX/XX/XXXX permanently due to COVID-19. At that time I resided in XXXX, XXXX. 

I moved to XXXX, XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX to consolidate all of my credit cards. I had 4 credit cards. The only company that would not negotiate for a settlement was Chase Bank. 

I left XXXX XXXX state at the end of XX/XX/XXXX and returned to XXXX, XXXX  on XX/XX/XXXX On XX/XX/XXXX I did a change of address with Chase Bank to reflect that I was once again living in Texas. 

The lawsuits are filed in XXXX County Supreme Court, NY. I have never lived in XXXX County. I lived in XXXX County, NY. 

I have not been served any papers as of yet but I do not want to end up with a default judgement either. 

Why would Chase Bank not work with XXXX XXXX XXXX? 

Thank you!
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In    XX/XX/XXXX  Equifax and  XXXX  placed a collection item on my credit report that is not my account. I filed a complaint with both companies and the item was removed in  XX/XX/XXXX  by both companies. The item was then again placed on my account in XX/XX/XXXX  without my being informed as required by law.
<P/>
I once again disputed this item and XX/XX/XXXX removed it but although I have filed two disputes with Equifax, the last being  XX/XX/XXXX , they have NEVER responded. My credit rating has dropped from   XXXX   to   XXXX  !!!!!!!!!!!!!!!!!
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

Subject : Follow-Up on Complaint ID XXXX : Request for Resolution and Evidence Dear Executive Office of the Consumer Financial Protection Bureau ( CFPB ) , I hope this message finds you well. I am writing to follow up on a complaint that I previously filed against Chase, with Complaint ID XXXX, submitted on XX/XX/2024. My case number with Chase is XXXX. 

After filing the initial complaint, I received a response from someone at Chase suggesting that I search for any file against me. Since then, I have diligently attempted to obtain updates on my case by contacting XXXX at XXXX, extension XXXX, as instructed. Despite multiple calls, I have not received any substantial updates or progress reports regarding the investigation of my complaint. 

Today, on XX/XX/2024, I received an email from the Chase executive office requesting that I provide them with a copy of my credit report. I find this request deeply concerning and perplexing, given that my complaint pertains to alleged false reporting by Chase, specifically related to identity theft or similar matters. To be asked to provide my credit report under these circumstances raises serious questions about the handling of my case. 

As a consumer seeking resolution and transparency, I request that Chase provide me with all relevant details, including but not limited to : A detailed record of all actions taken by Chase regarding my case, including dates and outcomes of any investigations.

Any evidence or documentation supporting Chase 's claims against me, particularly related to the allegations of identity theft or similar issues. 
An explanation as to why I am being asked to provide my credit report, considering the nature of my complaint and the impact it has had on my creditworthiness. 
I believe that as a responsible financial institution and in accordance with regulatory standards, Chase should provide me with clear and comprehensive information to address my concerns and rectify any inaccuracies or harm caused to my credit profile. 

I kindly request that the CFPB facilitate communication and resolution between myself and Chase to ensure that my complaint is thoroughly investigated and addressed in a timely manner. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (AL)

Fortiva XXXX  Showing past due amounts XXXX of XXXX XXXX {$790.00} Company saying balanced is closed when its at a XXXX balance Company also XXXX balance when it should not be closed
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-10-20
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. (TX)

ACCOUNTS > XXXX XXXX XXXX XXXX | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ XXXX
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On several occasions I contacted Navient regarding my payment being too high. I am a XXXX XXXX XXXX and they told me O do not qualify for loan forgiveness although I met all criteria. I asked for a lower payment and they quoted me a payment that was the same as my current payment. I am not making payments right now but they insisted I take a forbearance.
Consumer complaint received 2020-11-20
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. (ID)

I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.
Consumer complaint received 2017-06-16
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: Pacific Union Financial, LLC (NC)

I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  pacific union financial. Pacific  union financial purchased my mortgage from  XXXX   XXXX . Pacific union financial never advised me that they would be re pulling my credit
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over XXXX credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Consumer complaint received 2017-07-13
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. (TX)

I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, Equifax and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Equifax inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX Found out there were two wrongful evictions on my public records report. I contacted both companies and made efforts to pay in order to have the reports removed. One was removed and the other was verified as accurate. 

The one that verified me as accurate was XXXX at XXXX XXXX XXXX. I was NOT evicted. There is no proof of eviction ; only that one was filed wrongfully. I had no control over the filing as I was not living there when it was filed. I was not on the property as of XX/XX/XXXX. The eviction was filed in XXXX. 

I have evidence that I was moved out voluntarily and paid a lease termination agreement to XXXX XXXX At XXXX XXXX XXXX. Upon finding out additional balance was due I made efforts to reach out and pay the money required. 

I was told that I can not do that and instead they directed me to go to the courts because the company who filed an evection wrongfully is no longer the management company there at XXXX XXXX XXXX. 

To correct the problem I contacted Trans Union by way of my smart move because the evection is showing up on my tenant screening report. This is not a valid eviction and needs to be removed from my public records report immediately. 

I included articles of incorporation and my current address at the time to show that I was not living at the property during the time they said they evicted me. I moved out on my own accord and I paid the proper termination.
Consumer complaint received 2017-07-13
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: Neon Newco Corporation (CA)

on XXXX XXXX 2017 an unauthorized account to account or bank to bank monetary transfer of {$1500.00} dollars was made upon my debit card. I summited and action of stop payment and dispute to the company. They said no error was made in their transfer. They hope too resolve the claim in 11 to 45 days.