davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On my transunion credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked Transunion to remove these and they refuse.
Consumer complaint received 2018-03-01
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)

This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Individual student loans were reported to the credit bureaus as in good standing. This provided my 28 year credit history. These were then removed and reported as one loan consolidated after I consolidated them and the 28 year history was removed which dropped my credit score due to it now only showing 7 month of credit history. These loans were supposed to stay on to show my 28 year history
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

LVNV Funding LLC is trying to collect for an account that not mine. They havent responded to my letters asking for proof that the debt is mine with no response. When I found out about this account it was closed in 2018. When I look now it says open and verified. But theyve never sent me anything. I lived in the same address for 9 years now. I dont even think what theyre doing is legal.
Consumer complaint received 2021-12-08
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: LEXISNEXIS (MN)

Lexisnexis I want to first or foremost warn you that myself and  XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to  conduct any investigation on behalf of myself XXXX  XXXX or anyone I came to you directly and only you! I have reached out XXXX  XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

I called my Mortgage company for a forebears during corv19 panoramic because financial i was affected. So they put me on a forebears plan and someone from my Mortgage called me XX/XX/2021 and stated it was coming to a end at the end of XXXX. I was told i was going to have 3 options 1. Modify my loan 2. Deferment 3. Refinance my loan. I stated i wanted to pay extra towards my loan to catch it up. So he said i had until yhe end of the month to decide. At the end of the month no one called so i called and was told that i can get 3 extra months so me trusting my Mortgage company because i know they are only trying to help me i thought. So it was getting close to the 3 months i called in XXXX and some one said that the extra 3vmonths didn't go through and i said no one called me. So he said well im going to re-send it through. So i had so much going on i didn't follow up big mistake now i know i received a letter talking aboit foreclosure so i call my mortgage and they said oh i will fix this you have another 3 months they say when something sounds to go to be true most likely it's not. But i through they are for me why would they lie. So i know the payment was coming up so i had no missed calls from them so i called and was told im in foreclosure wow now i cant breathe so i say what about me paying more towards my loan i was told i didn't qualify for that anymore. My forebears end at the end of XXXX and I said no one tried to call me and she said they have notes that try tried but the number wasn't working and i didnt have any more on file and i said thats not true because someone called me in XXXX ON THE SAME NUMBER so now. So now i spoke with so one that said they are going to put in for a Modify my loan but its impossible to get approved. So this is so horrible i cant even trust the people who surpose to be there to help me and she stated that there are other people thats going thru the same thing. She told me to write a statement so thats what im doing because me and others don't deserve this first they play like they for us and next we about to be homeless please help.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX or XXXX my husband applied for a XXXX XXXX exclusively branded by JPMC and which included a significant perk if approved by XX/XX/XXXX - companion ticket issued with eligible fares through XX/XX/XXXX. My husband XXXX applied and was declined. see attached. We attempted to investigate the cause and received an explanation that he had exceeded the number of allowable card issued within a 24 month span - no more than 5. His credit standing was better than mine. The attached letter sent to the EO office explains in detail the basis for the complaint -inequitable treatment in the acceptance and decline of a credit card. On XX/XX/XXXX I applied for the credit card and was immediately approved. I sent a letter to the Executive Office of JPMC challenging the explanation previously provided given the same circumstances. JPMC has been unwilling to conduct the investigation into why I was approved and XXXX rejected based on the explanation initially provided - 5 or more credit accounts opened in the past 24 months. In my case it can be demonstrated that I had opened 10 credit card accounts in the past 24 months but yet was approved ; in the case of XXXX, my husband, he was denied for having opened 5 during the 24 month period. 

On XX/XX/XXXX I submitted to the Executive Office of JPMC a request to investigate - request sent via priority mail and delivery confirmed - see attached. 

When no response of any kind was forthcoming by early XXXX, I was told to re-submit via e-mail - which I did on XX/XX/XXXX - see attached e-mail exchanges. The individual assigned basically told me the same information I already knew but did not address the issue of inequitable treatment of similarly situated persons - myself and my husband. As a result of JPMC 's decision not to provide any suitable explanation for the disparate treatment, I am submitting this complaint to the CFPB as it appears that JPMC 's credit decisions, absent additional information, appear to be arbitrary and draw into question inequitable treatment. I was approved immediately despite a lower credit score and having opened in excess of the # of accounts that JPMC communicated by phone would be allowable to permit acceptance. I counted 10 accounts opened within 24 months of making the application for the JPMC branded XXXX card. 

Ms. XXXX never provided any indepth understanding of the level of investigation I was requesting. She merely parroted what had been previously conveyed by phone during the XX/XX/XXXX telephone exchange with the JPMC credit department. No written response was forthcoming which I find curious. A written request should be followed by a written response from the recipient.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

My debit card was used in another state without my permission. Over {$200.00} was spent on a sports betting website which I have never heard of, as well as an XXXX in Texas. I've been in Missouri the whole time, and I filed a police report. I called the XXXX in Texas, and the manager gave me the name of whoever used it. I gave that information to police. 

My bank keeps telling me " no error occured '', which makes no sense considering I didn't authorize the transactions. My bank even texted me asking if I was authorizing a transaction from the very merchant in question, to which I replied " No '', indicating I did not authorize the transaction. Why would i authorize XXXX transactions but not a XXXX? I wasn't even aware of the other transactions until the text I received caused me to check my bank account.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-04-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION (MI)

XXXX person calling asking for Credit Card info for a " ONLINE TRANSACTION '' from 10 years ago and won't give me any informaton or send me a Debt Validation letter unless I make a " DOWN PAYMENT '' first.
Consumer complaint received 2022-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I consolidated my federal student loans ( held with My Fed Loans ) to get credit for the highest amount of XXXX payments, per the waiver. The information from MyFedLoan is in direct contradiction with the information on the Dept of Ed 's website, and included a warning letter that I will lose credit for all XXXX qualifying payments I've made if I consolidate. I went through with the consolidation, trusting the Dept of Education 's website on the XXXX waiver, however this has caused a lot of stress and I hope that they stop sending out incorrect information, as it will likely dissuade many people.
Consumer complaint received 2021-07-17
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. (CA)

Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.
Consumer complaint received 2022-04-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

In XXXX of 2022, I enrolled in a payment plan with my student loan through Discover. Under this program, my account would become current if I made XXXX on time monthly payments, and any delinquent loans would not be reported to a credit agency while on the payment plan. Unfortunately, on XX/XX/XXXX, after making the payments for XXXX, I received a phone call saying my account was past due. I called Discover a few days later to see what was going on, and was told that the payment plan was erroneously applied on the account level and not the individual loan level. This created a problem where certain loans were paid off early while others went delinquent. I was told the issue would be fixed. I got the same call XX/XX/XXXX, and again, after calling, was told the issue would be fixed. I am finding out today, XX/XX/XXXX, that not only was the issue not fixed, but that Discover also reported the erroneous delinquencies to credit bureaus. This has affected my credit by about XXXX points, which is preventing me from finding a new apartment, as my lease is up XX/XX/XXXX. I have been on the phone for over an hour today trying to remedy the situation.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Bank entered deposited check incorrectly for more money than the actual check. I contacted the bank. They corrected the deposit but refuse to return the {$50.00} due the check writer This has been ongoing for XXXX months. The bank keeps sending me to different departments but refuses to send the {$50.00} to the check writer. They have his market account number and routing numbers This problem started on XXXX XXXX.My account was debited {$50.00} on XX/XX/XXXX. Claim number was XXXX. Wells Fargo needs to reimburse XXXX XXXX XXXX XXXX -S {$50.00}.
Consumer complaint received 2021-02-02
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)

I paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}. 
I have already filed a dispute with them as well and it did not get solved.
Consumer complaint received 2018-03-01
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: LEXISNEXIS (GA)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

Debt Recovery solution sent me a letter claiming that i owed them for a debt that i didnt recognize. I sent them a certified dispute letter through XXXX, advising that the debt was not mine. I also requested validation but they failed to provide me anything. The certified letter shows that they received it on XX/XX/XXXX but they ignored my request and simply added the debt to my credit report. I spoke with someone in the company and he advised that the company didnt nt receive anything. An hour later he called me and now he said that they received it but failed to validate.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my wife and I applied for a home renovation loan. We were not approved for the full amount, however we received a counter-offer that was good until XX/XX/XXXX. About a week prior to the expiration of this counter offer, I reached out Lightstream to arrange the funding of the loan. The representative informed me that the company has recently changed their policy and the home renovation loans are good for 90 days. I asked the rep multiple times, if she was sure of this policy change, she confirmed " YES '' and advised me that i could callback anytime in the 90 day window to accept and fund this loan. 

Well after calling today XXXX XX/XX/XXXX XXXX, I am being told that the loan was not " accepted '' by me, and that i would have to reapply. After multiple escalations, I reached someone that was able to pull the RECORDED call and confirm that I was in fact misinformed. Although Lightstream has accepted fault for this misinformation, they refuse to honor my original approval. I made a {$6500.00} deposit to XXXX XXXX that is now in jeopardy because of your negligence. The supplies were delivered and the construction of my pool was supposed to take place this week. At this point we are without funding and may lose our money.

It is not fair practice to misinform consumers, accept responsibility for the mistake and then not rectify the issue. I was told to reapply and that the pricing may change and I may or may not get approved ....
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

First off, Im a sole proprietor. On Tuesday, XX/XX/XXXX, my PPP loan was deposited into my Capital XXXX account. Upon, seeing this I decided to go into the branch to handle payroll XXXX pay myself ) as well handle some business expenses per the SBA guidelines. Upon verifying my account with the teller, my account immediately frozen. Im furious because this is my main account. Im a legit business owner but not only that, how am I supposed to survive with no access to my personal AND business funds. Cant pay bills or operate my business. This is very negligent on Capital Ones part. Ive sent them all the documents proving that my business is legitimate. I no longer want to do business with this bank.