davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
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. (AZ)

XXXX XXXX started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and XXXX " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (WI)

I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application. 

On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditKarma site. While I was uploading documents to verify my identity and income to Prosper, my loan application was denied. The email I received stated : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' Just before receiving this information, I got an email indicating that : " Congratulations, your application for a {$25000.00} loan at X.XX %  APR is almost done! But, first we need your help providing a bit more information '' I had not had time to upload documents before the application was denied. The documents I would have uploaded would have demonstrated significant income and assets. 

The application resulted in hard inquiry to my credit that will have an adverse effect on my credit. The company ( Prosper ) indicated it was impossible to remove this inquiry.

The adverse action letter I received from Prosper did not provide any meaningful information and the representative I talked to from Prosper indicated that because they do not want to expose any information about their proprietary risk model Prosper makes their adverse action letters as generic and meaningless as possible.
Consumer complaint received 2018-02-26
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: Nicholas Financial Inc. (MO)

On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hello, Recently My wife I have been the subject of fraudulent charges and checks on our Chase Checking and Savings Account. 

The claim in particular I would like to settle and request further action is in regards to an {$1800.00} XXXX Transcation that was done with a stolen Debit Card. Chase issued a credit to our accounts, transferred this credit to our new accounts with the  provided information and inclination that all fraud inquiries were done in order to transfer money out of frozen accounts to bad accounts. Then, they reverse their credit decision and take back {$1800.00} from our accounts. 

On XX/XX/XXXX someone used my debit card to make an {$1800.00} XXXX Purchase. 

This was reported as Fraud to XXXX on XX/XX/XXXX A claim and inquiry was taken and issued on XX/XX/XXXX for the transaction. 

A temporary credit was placed in our Frozen Checking Account on this date as well XX/XX/XXXX. 

Both our checking account and savings account were frozen by Chase, and all funds in those account were frozen as well on XX/XX/XXXX. 

As a result, my wife and I opened up two new accounts with XXXX on XX/XX/XXXX with  borrowed money from family. 

The freezing of the Accounts Continued until XX/XX/XXXX. 

On XX/XX/XXXX, the credit of {$1800.00}, along with {$70.00} remaining from our old now closed accounts was transferred to our new accounts. 

On XX/XX/XXXX, we received word that Chase has concluded their research and has found that the claim is invalid, and that the {$1800.00} XXXX charge will stand On XX/XX/XXXX, XXXX reverses {$1800.00} credit and removes it from our Checking Account. 

At the moment, I am going back and forth with Chase to provide their research findings. 

I am beyond upset that the bank not only reversed their action, but took back the claim credit. 

On XX/XX/XXXX Chase stated that our old accounts would be closed and available funds would be transferred to our new Accounts as soon as all Fraudulent Activity Claims were researched and Finalized. On XX/XX/XXXX we receive funds from our closed accounts, including the {$1800.00} from the XXXX Transaction. Chase reversed their claim, and took back the credit they gave us for this Fraudulent charge.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
Consumer complaint received 2021-11-03
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with XXXX XXXX XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX XXXX XXXX Account # XXXX. XXXX   saw they were reporting inconsistently and removed the error. XXXX and Equifax failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. XXXX   is reporting a 30 day late in XX/XX/2020 and Equifax is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for XXXX is XX/XX/2020 with Equifax saying XX/XX/2020.
Consumer complaint received 2020-08-21
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. I AM REQUESTING TO HAVE THIS ACCOUNT REMOVE OF MY CREDIT FILE FOR IT OS NOT LIABLE TO MY NAME OR SSN. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS IMMEDIATELY REMOVED. FOR YOUR CONVENIENCE, I HAVE ATTACHED AND HIGHLIGHTED THE DISPUTED ACCOUNTS.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

When XXXX hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PROFESSIONAL DEBT was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2020-08-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CT)

Navient has been reporting my student loan as a charge-off status since XXXX but the account has been delinquent since some time in XX/XX/XXXX-XX/XX/XXXX. The delinquency is greater than 7.5 years old and would have been removed from my credit report had they not reported my last date of payment was on XX/XX/XXXX. This payment was made by the co-borrower, my father, when he settled his portion of the loan. Unfortunately he was misled by Navient and thought he was settling the loan in its entirety. Navient then put the account in to charge-off status in XXXX and has been asking for the full amount ( including the co-borrower portion that was settled ) to be paid by myself. I believe this is a deceptive tactic. I also believe they can not continue to report inaccurate information to the credit bureaus. I have tried to reach out to them several times since XX/XX/XXXX. Their only response has been to forward me to a third party collection agency for settlement or to get me to settle the loan for its entirety including paying the amount my co-borrower already paid when he settled his portion. I have also disputed the incorrect date of last payment with the credit bureaus multiple times over the past year. Navient continues to say the information being reported is correct despite having letters from them and the payment to Navient from my co-borrower bank account reflecting the XX/XX/XXXX payment was made by the co-borrower not me.
Consumer complaint received 2021-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX and XXXX Medical XX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you
Consumer complaint received 2018-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX XXXX Automotive XX/XX/2017 TransUnion XXXX XXXX Bank XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX Bank XX/XX/2017 TransUnion
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.
Consumer complaint received 2019-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I have two loans with Firstmark Services. For years I have paid the two loans separately, as one has a small balance and the other is more than XXXX times that balance. 

On XX/XX/19, I paid {$200.00} to one of the loans ( the 'intended '' loan ). Instead of applying it to that loan, they applied a portion to that loan and another portion to the other loan. This caused the intended loan to appear delinquent. The smaller loan is always paid 1 payment ahead and neither loan was delinquent at the time of the payment. 

I had to email the company multiple times and I had to call them. The person on the phone said that they saw in their system that their were instructions to apply the payment specifically to the larger ( intended ) loan, but that the payment was not applied correctly. 

The person advised they would attempt to have it corrected. The daily interest on this loan is {$11.00}. To date, this error has cost me {$130.00} ( 11 days of interest ). Additionally, I had to make another payment so that this loan would not appear delinquent. I suspect that the company will also incorrectly report me to the credit bureaus. I will file complaints with those bureaus as well. 

Assuming they correct my loans, had I not been watching them like a hawk, they would have taken hundreds of dollars from me and ruined my credit. I know your organization faces obstacles in watching student loan servicers, but it is essential to have someone on the side of the consumer against these large, callous, greedy companies.
Consumer complaint received 2020-08-21
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: JPMORGAN CHASE & CO. (NC)

I had used my Chase Credit card to purchase airline tickets. The flights were eventually canceled due to COVID and the airline declined to issue a refund and instead gave a voucher for travel on future date which is not acceptable to me. 

So I filed a dispute with my credit card issuer ( CHASE ) because I was charged for a service that was not delivered. As per the cardholder agreement the card issuer is supposed to chargeback the merchant and refund the charges back to the cardholder in cases where customer was charged for services that were not delivered. 

The reason CHASE declined to refund is because they said my compliant was filed too late. I don't agree with their assessment because the 'service ' has not been delivered yet as they issue the voucher for a future travel date.