davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NC)

Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit and the other a {$6700.00} credit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Consumer complaint received 2022-04-29
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MN)

On XX/XX/XXXX I attempted to purchase XXXX at a price of {$2200.00} inclusive of fees on the Binance.us website. The website indicated the transaction failed and my account was not credited, however on XX/XX/XXXX their payment processor withdrew {$2200.00} from my bank account. I contacted their customer support and did not receive a response until I began complaining about the situation publicly on XXXX. Since then I have received emails, usually a week apart, first asking for more information, then acknowledging the error, then saying my account would be manually credit for the purchase, and finally saying that they might be able to credit my account towards the end of the month. I separately contacted XXXX, their payment processor, however XXXX ascribed the problem to Binance, us and didn't really offer any help. As of today, XX/XX/XXXX, I have received no reply to my last correspondence indicating I found their " solution '' unacceptable ''.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I paid my Chase Credit card balance off around XX/XX/2017.  I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call Chase and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NV)

They saying I have two account not paid off but those two account were fraudulent and they weren't able to prove or verify account those account are a result of identify theft and has been brought to the company attention multiple times
Consumer complaint received 2022-01-11
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. (AZ)

I filed a dispute back in XX/XX/XXXX with transunion, regarding an incorrect dismissal date of my bankruptcy XX/XX/XXXX. I have already sent the agency my discharge documents from the court of XX/XX/XXXX. The inaccurate that is only reporting on my transunion and no other credit agency. At this time based on this incorrect reporting I am unable to qualify for a home loan. My family and I need to find a place to live as we are relocating in XXXX. Transunion is not working with me to remove the dismissal date of XX/XX/XXXX and replace with my discharge date of XX/XX/XXXX. I have called several times and at this point Im getting nowhere.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX/XXXX XXXX   XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 33 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/XXXX I sent letters to experian, XXXX  and XXXX  requesting for the following inquries to be removed from my credit report under the fcra & the reporting time has reached 2 years and it has not fallen off my report. I called the companies XXXX which has been on my report since XX/XX/XXXX on experian which should have fallen off already, XXXX  XXXX  which has not been able to provide me with information that I authorize them to pull my credit and I dont know who they are. They said that experian has to remove it. XX/XX/XXXX. I spoke with XXXX XXXX  and they said XXXX and XXXX  has to remove it. XX/XX/XXXX. cap one on XX/XX/XXXX on XXXX  and cap one na on XX/XX/XXXX on experian has to be removed by them and cap one XX/XX/XXXX transunion is suppose to be removed by transunion. I have addressed these issue and still no response about the inquiries removal which is hurting my score and ability to obtain other financial options that I want to explore.I resent letters again about the removal of inquiries.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity. 
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided. 
XX/XX/2018 Called phone customer service only to realize no claim was opened. 
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up. 
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it. 
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet. 
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned money.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

I have a Care Credit Card sponsored by Synchrony Bank. I only used the card XXXX : 1st for my purchase of a dental plan with XXXX XXXX. The second time I used it was for my dog 's XXXX on XX/XX/23. I called customer service to find out : when purchase of the dental plan was made & how much did it cost. I want this information because I have a dental plan option to purchase, & I want to see which plan is better buy. I tried to use the on-line chat, but they could not help. I then tried to call customer service & they too could not help & even dropped the call. So, I was NOT able to complete my inquiry & get a reasonable response. In fact, NO response @ all. Very poor customer care which is ridiculous since I only used the credit card XXXX!
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (MD)

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 2021-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX credit report screen shot to reinforce )
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

I was at the grocery store when my card was declined. I called customer service and was told that my account was permanently suspended and I was immediately hung up on.The Amex XXXX and Customer service line have been of no help and I still have money in there I need to pay rent food medication etc. 

Prepaid card name is Bluebird This happened XXXX XX/XX/2021 I have a balance of {$490.00}
Consumer complaint received 2018-02-06
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: U.S. BANCORP (PA)

We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim information.
Consumer complaint received 2018-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC (NY)

The debt collector FMS Financial Solution keeps contacting me about a debt which was discharged in bankruptcy. Attached is my bankruptcy paperwork and on page 22 the debt is listed as part of the debts which were discharged. They have sent me no written notices about the debt, and have used aggressive language in an attempt to intimidate me into paying a debt which was discharged during bankruptcy. One example of aggressive language that they used was to threaten to go after my father. While he did co-sign, my debt was discharged and I should not be contacted and told " we're going to go after your father, '' in an attempt to intimidate me. The FMS employee, XXXX, which told me this was aggressive and rude. FMS Financial Solution did not contact me during my bankruptcy proceedings because they received the bankruptcy paperwork. They also inflated the debt from approximately 3,000 dollars to 6,000 dollars and never provided any notice or information about what the extra charges were for. I want the debt collection to stop, I will be disputing this on my credit record and I want an apology written in email from the debt collector.
Consumer complaint received 2018-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have disputed information on 3 different collections on my Equifax Credit Report. I have contacted all 3 accounts to verify the collections and all 3 of them stated there was no record of the accounts in my name. 
First account is XXXX  / XXXX XXXX for {$360.00} The second is XXXX XXXX XXXX for {$30.00} Third is the same as the second XXXX XXXX XXXX for XXXX.. 
I disputed the accounts and asked Equifax to remove the accounts or verify and provide me proof that they are mine ... I haven't received any proof and they remain on my report ... I personally called each collection and was told they are no record of the account..I would like Equifax to do there job correctly and remove the collection accounts or show me proof that the accounts are mine.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TN)

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 this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TN)

Chase XXXX XXXX XXXX I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by CHASE XXXX XXXX XXXX XXXX I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by CHASE on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CHASE is now civilly liable to pay me for the damages.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

During my refinance with Rocket Mortgage, I received an offer to get an additional 1.5 % off closing cost, after I submitted this form, they raised my points from 0.05, to 1.5 % increasing my closing cost by several XXXX dollars, after I complained, they offered to pay closing cost, but then they raised my interest rate from 2.5 %, to 3.5 %, their appraiser also appraised my home for {$100000.00} less than another appraiser who did that appraisal only 3 weeks prior.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (TN)

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 this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.