davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
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. (OH)

I recently started working on my credit I saw that I have 25 hard inquiries on Equifax,11 on XXXX , 12 on XXXX I called the company on XX/XX/XXXX asking to either dispute or remove these because they were not authorization each company told me they would dispute them seeing as XXXX had there breach last year and Equifax this year within a couple days I received emails saying they were completed so I tried to check there status I was n't able to access online so I called today XX/XX/XXXX and was told they ca n't dispute it and even though they unauthorized there was nothing they could do
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have tried to correct this problem with Equifax before having to file this complaint. This is something that I did not want to be but, now I have no choice. I have sent Equifax XXXX different dispute letters asking for validation of these accounts because, I know they are inaccurate. Each time Equifax just send me back that they have " verified that the account belongs to me ''. Which is clearly not what I have asked. XXXX are the accounts that I want Equifax to send me validation on or remove the accounts fully. 
XXXX XXXX {$100.00} XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  {$99.00} XXXX UNKNOWN {$39.00} XXXX
Consumer complaint received 2020-11-12
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. (LA)

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX  XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

My wife worked with Chase on our first mortgage. Overall the entire process was a let down, but my reason for this complaint was because we were told untrue and I believe purposefully inaccurate information. My loan banker, XXXX told me in multiple conversation that a benefit Chase has over other banks is that the automatically remove the PMI after 5 years. It sounded too good to be true, but she said that she took advantage of this benefit herself. She sold this incorrect info as a a benefit. She is longer an employee of Chase, and when I filed this complaint and escalated to corporate it was was delayed and they quickly closed. XXXX XXXX  never returned any phone calls. When I told them I have proof in the form of emails, I was told they don’t accept emails and would not communicate with me via email. I tried to speak with them and handle. I never felt the bank was interested in my side or taking any actions.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, I am resubmitting this complaint as no actions were taken and the complaint is about federally protected activity and consumer rights i.e wire transfer, sending back ACH payments to pay debt owed, i.e. refusal to take payment to cause negative impact on consumer etc. 
1 ) I have attached proof where i set up an ach payment, it hit the account and nfcu sent it back due to the status of the account. they are not restricting access, they are preventing me from paying. Please see the attached document I printed from the account today after i tried to pay {$73.00} on the credit card and {$100.00} on the line of credit. 
per my prior complaint XXXX. They sent an email claiming insufficient funds but if you look at the account statement you will see where the funds were deposited and credited back to the originating account. I have attached the nfcu statement and the originating account statement showing the funds were available and transfered and were returned by nfcu. 
2 ) Regulation E protects me from unauthorized electronic transfer from my money market account .The Electronic Funds Transfer Act ( EFTA ) 1 requires a financial institution to conduct a reasonable investigation when a consumer disputes a transaction.

They did not do that. If so they would find that their branch agent cashed that check. Once that was done they forfeited the ability or right to stop the check, they assumed the liability under federal law. the dispute became between them & XXXX. same as with XXXX, they took funds from my account. I disputed that along with the check. NFCU reversed avis but not the cash they stole from my account after their agent cashed the check,. 
I Went to nfcu and cashed a check. I deposited cash into my money market. They waited two weeks and removed XXXX from my account. No check was stopped as the check was cashed before any funds wwas deposited. I have already complained and this bereau allowed the bank to come back with a long gas lighting response. Please reference complaint XXXX My concern was not addressed. I sent detailed explanation and proof to back up what I am saying. You can see in the bank statement where there was a branch deposit, you will see the movement of cash. Two weeks later they took cash from my money market account. They have done this three times, move money from money market account. there are rules that govern that account protected by the CFPB among other things. I attached the letter where they admitted they were wrong with XXXX and other supporting documents to the other complaint. 
Thank you in advance very respectfully XXXX XXXX
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was incapacitated due to XXXX and after a couple of automatic bill payments my account became overdrawn. Some of the " auto-payments '' were retried and my bank kept approving and reversing the payments and billing me for each attempt. In less than 4 days Fifth Third charged me over {$450.00} in fee 's on an account that was only overdrawn by {$300.00} dollars. I now have a negative balance of {$750.00}.

I've been a customer of Fifth Thirds for over 15 years, maybe more ( credit and checking ) and after speaking with an agent was provided no assistance or support. The agent who was clearly from an overseas call-center said he understood the situation and apologized as there was nothing he could do.

Fifth Third has also admitted to a posting issue where the mobile app does not reflect payments or pending charges and only shows " posted '' transactions leading to more customer overdrafts - of course they won't fix this issue because as most of us do banking on our devices, they'll just continue racking up the fee 's. 

Any help would be appreciated as I was laid off from work and am struggling to make ends meet.
Consumer complaint received 2022-09-10
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. (SC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (ME)

On/aboutXX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of Pendrick Capital partners ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

My wife applied for a credit card with Chase and was denied. When we received the denial letter, Chase had denied HER application based on my credit. My wife used her social security number, date of birth and income information. None of my information was included on the application for the credit card, only my wife 's info. When we received the denial letter, it stated the card was denied due to MY credit, when none of my information was on the application, and Chase did not have permissible purpose to pull my credit. I am concerned this unwarranted credit inquiry will negatively impact my credit score. The Chase reference number on the denial letter is XXXX sent onXX/XX/XXXX. The application was made by my wife onXX/XX/XXXX. The card was denied due to a bankruptcy that is on MY credit only. My wife did not file for the bankruptcy that is reported on my credit. Thank you.
Consumer complaint received 2017-11-29
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: WELLS FARGO & COMPANY (VA)

I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. XXXX XXXX, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and Experian. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Consumer complaint received 2017-11-29
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: FACTUAL DATA CORP. (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2022-09-10
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2017-10-04
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)

Equifax has sent an email to on XXXX XXXX, XXXX, stating that the current dispute # XXXX investigation initiated on XXXX XXXX, XXXX is complete ; but apparently, the information has not been changed. The only way I am able to confirm what is currently reflected on my report is by reviewing the information on XXXX XXXX. The Equifax online investigation results site crashes whenever I attempt to log into it. Equifax customer service line is constantly busy or it answers and hangs up. Furthermore, Equifax has caused further harm to my credit score by recently reporting this loan as closed as of XXXX. This has caused other credit agencies to update my report showing the loan as recently closed, based on Equifax 's recent incorrect report. This has forced me to now open disputes with XXXX XXXX and XXXX. The XXXX information was reported correctly on XXXX XXXX and XXXX until the Equifax recent entry on my report that the loan is closed. Equifaxs failure to properly update my credit as a current loan with payment history for XXXX is causing me undue hardship and harm. I have been unable to refinance my mortgage due to this inaccuracy. 
I have previously requested that Equifax correct my credit file for this loan on the following dates and disputes filed : XXXX/XXXX/XXXX dispute # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved over and over without correcting the information. I have filed at least three subsequent disputes with Equifax on this matter during the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX unlawfully debited my unemployment funds to cover its banking fees, leaving my account with a negative balance and forcing my XXXX XXXX XXXX checking and saving accounts to close. I contacted XXXX XXXX XXXX XXXX in person and via email on multiple occasions regarding the fact that I was unemployed and did not owe any taxes to XXXX XXXX. However, XXXX XXXX XXXX XXXX took a total of XXXX in fees from my account, unlawfully taking the monies from my unemployment compensation funds and forcing my checking and savings accounts closed due to the insufficient funds resulting from the unlawful fees charged to my unemployment funds. 

XXXX XXXX XXXX XXXX increased the negative amount in my savings account, which XXXX XXXX refuses to close, and forwarded my account to collections. This led to my XXXX XXXX dropping exponentially and the lowered negative score having negatively impacted my job search.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IN)

XXXX XXXX XXXX, XXXX around XXXX I was contacted by a XXXX party who stated XXXX contacted them in regards to a debt I owe and disclosed all of my personal information including my mailing address without verifying who they were speaking to. I was told the call was recorded and the XXXX party spoke with a member of management and complained as well about the agent who disclosed all of my personal information to them.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MD)

XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me Ally Financial XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX not authorized by me XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiries not authorized by me
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in the process of purchasing a new car and I realized that I have damages on my credit report. In accordance with the fair credit reporting. Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC ( 1681 section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Memorandum For Record : Settled Charge off Account without an issuance of a 1099C. 
Requesting a 1099C on the accounts listed below. This is a follow-up to the letter I received about the charge-off accounts listed below That I never received a 1099C ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX