davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
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: VEROS CREDIT, LLC. (FL)

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
Consumer complaint received 2020-07-10
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. (MS)

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Equifax did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Equifax is allowing this to occur.
Consumer complaint received 2020-07-10
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)

Issue 1- Mil star is reporting the same negative account to Equifax twice but, will two different sets of data.

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years.

Issue 3- Equifax is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX  is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (AZ)

YOU BROKE THE LAW Please carefully read the following. 

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (MS)

XXXX is allowing creditor to report false information on my credit. One is XXXX   XXXX among others. Account that are closed are still on my credit file this is ridiculous. Ive been having this problem over a year. I have no score for XXXX XXXX   period. I see Im going to need to hire someone to look into this. I keep reporting things and they keep happening
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The second address on my credit report is WRONG. I do NOT nor Never lived at this address .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was born and raised in XXXX XXXX, Nevada. I have lived here my entire life. We have lived in our house for almost 32 years. Could you please help remove this address from my Credit report. Thank you XXXX XXXX.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

XX/XX/XXXX, I tried to transfer money via XXXX. However, I was not able to connect with my PNC account due to PNC policy change. 
I tried to transfer XXXX  XXXX to XXXX. I have done this a few times before.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, PayPal closed two of my accounts. They also notified me that they would be holding {$18000.00} of my money to prevent possible chargebacks. The money was mine, though ( checking to Paypal for {$6000.00} and {$12000.00} was sent from one PayPal to another, both mine ). Needless to say, I can't charge back myself. 

I value my relationship with PayPal, and have always taken my work with them seriously. Last year, for instance, I had multiple conversations with XXXX in their executive office. 

Many people conduct routine business in the manner that I do on PayPal, but I was singled out for account closure -- without knowing what I did wrong. If there is an issue having two business accounts, please close one, but closing both is evil -- and prevents me from earning a living. 

I also would like my {$18000.00} returned now -- they were mine funds, so again, I can't file a chargeback against myself. I was under the impression I was staying within the lines on everything I did with PayPal and ask for someone senior to review my account and give me one chance to stay within the terms. My accounts were both old and verified heavily. 

Thank you for considering my request to re-open my account and the separate request to return my funds. My PayPal records clearly show my funds were used to pay off credit card bills and locking up the funds will be crippling for me financially.
Consumer complaint received 2020-07-10
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: DISCOVER BANK (DE)

I am XXXX  and ordered a battery scooter from XXXX on XX/XX/20 {$590.00} order number XXXX DISCOVER CARD ENDING XXXX I CALLED XXXX AND CANCELLED THE UNIT ON XX/XX/20 was told no problem they Will advise the XXXX supplier XXXX in California ( I then ordered a larger scooter On Discover for {$1600.00} The other scooter was too small Would not work for me. 

On XXXX. I started receiving XXXX  ship data I called XXXX daily please cancel this delivery They advised it was cancelled On XXXX XXXX tried to deliver it And we rejected the delivery ( As advised by XXXX Return to sender ) Return to sender I requested thar Discover accept my Dispute for the charge XXXX XXXX mgr # XXXX Advised they would not process a dispute till at least 30 days And I would be required to pay the bill I should call them on XXXX to request a dispute I requested to speak with her supervisor. 
Was told they would call me back 6 hrs later no response I should not have to wait 30 day to file a complaint on my account. 
DISCOVER SHOULD START A FILE AT ONCE IF IT TAKES 30DAYS TO RESOLVE THATS OK BUT THEY SHOULD START THE PROCESS AT ONCE I DONT WANT TO BE RESPONSIBLE FOR LATE FEES OR PENALTIES IF THEY CAN BILL INSTANTLY THE CAN LOG COMPLAINTS INSTANTLY
Consumer complaint received 2020-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (CA)

I have made on time payments from a payment plan and they have not shown those on time payments. Loancare has sold my loan to a serving company XXXX XXXX and should remove or rename my account to show that true information. They have refused to do so multiple times and they have not done their research into this matter. I will be getting an attorney if this is not deleted for false reporting.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WA)

I was approved for a Chase Amazon Rewards card on XX/XX/2020. Several days later, I called to have an authorized user card for my girlfriend sent to an additional address. Instead of helping me with my request, a fraud executive named XXXX immediately placed my account under review. They refused to even accept my card number after asking me because they had already clicked onto the next menu. They said someone would call me back within 24-48 hours. 

No one called me back for more than a week. My card was not accessible to make purchases even after I received it in the mail. After waiting a week, I began calling Chase customer service in order to access my account. I was continuously hung up on. One person asked to speak with me, as if I was someone else, referring to them as " her, '' even though I had already stated that was my legal name 3 times. This is because I am trans and my voice does not sound like what they expected from someone with my legal name. Finally, on XX/XX/XXXX, the first day of XXXX XXXX, I called several more times, was hung up on again, and finally got someone who did not hang up on me. They instructed me to be honest about my legal name after I stated it several times. Then they informed me that my account was under review by a back department that is not front-facing and that I can not reach them. They refused to provide any further information. Shortly after that call, my card, which I never had the opportunity to use, finally disappeared from my Chase mobile app. Meanwhile, the card still shows up on my credit report in good standing - despite being inaccessible to me ever since it was approved more than 2 weeks ago. 

I do not deserve to be chided, discriminated against, and accused of lying because of my body or my gender. Moreover, I have a perfect credit file with no late payments or derogatory marks. There is no cause for adverse action against my account. Thank you for allowing your staff to degrade me and deactivate my account without cause during the first day of XXXX XXXX.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NM)

I initiated a new home loan from Wells Fargo on XX/XX/XXXX. Property is in XXXX XXXX, NM. We were instantly approved and we made an offer on a home in New Mexico. My payment from Wells Fargo for the purchase of our new home was estimated at XXXX a month. It jumped to XXXX right before close. Our movers had our furniture, we had nowhere to go or live and no choice but to sign. Had I been given these figures prior, I would have chosen another lender and canceled Wells Fargo. Speaking to local lenders they would NOT have estimated our taxes that high. Property taxes were estimated at 3 times the amount set by county. 3 times what had been estimated when the loan process started. I tried to ask them for help and Wells Fargo said said to let the title company handle it. ( I have the emails ) .The title company and assessor office both verified the amount of {$5800.00} due XX/XX/XXXX and {$5800.00} due XX/XX/XXXX was NOT a figure that they came up with but it was per the lender WELLS FARGO. The estimated taxes for the ENTIRE YEAR given to me by the assessor office was XXXX. I have the document from the assessor 's office to prove it.Wells Fargo is charging me XXXX a year with a huge escrow payment of {$970.00} a month. It is ridiculous. I tried to contact them since we signed to get them to update it. They said I have to wait. It is unfair lending practices for them to refuse to update the tax amount. I realize our home is new construction but they are charging me a fortune and I have no idea what will happen when the tax bill is due in XXXX. The amount due is {$1800.00}. I have proof of that as well. NOT {$5800.00}. What are they going to do with my money. At this point I do not trust them and need help. I have the emails where the reps from Wells Fargo told me to talk to the title company that they had nothing to do with the set amount. It is not true. The tax assessor and the treasurer both told me they can not give amounts that do not exist. They can only give accurate amounts like the ones they gave me. The title company told me they can only have me sign the documents provided by Wells Fargo. Wells Fargo doesn't care that I am being charged 3 times the regular amount. I have checked the taxes for everyone with the same house as mine in the my neighborhood and all are around {$3900.00} for the YEAR. I am attaching the copy of the taxes from the county.  Please let me know if I need anything else. I have the names of the reps as well as emails from them with contact info. I have included my mortgage statement as well.
Consumer complaint received 2018-07-18
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. (MA)

Ive faxed and mailed proof of my current address to Equifax and they have refused to update my address. They have placed my current address as my previous address and have current address as my XXXX XXXX XXXX. I dont live at the Post Office. I live at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. This incompetence has been ongoing for almost a year
Consumer complaint received 2020-12-02
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. (FL)

These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/XXXXXX/XX/2019
Consumer complaint received 2020-07-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-02
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. (WA)

Best buy website has an offer on their TV to pay in 24 installments and they present you with the amount of monthly payments you would pay, in my case {$140.00} per month. 
At the check out I chose pay in installments option and went through the steps, at the end they told me that I will receive a credit card by mail, and only after getting the credit card they informed me that the amount they approved me for is insufficient to make the purchase, but the credit card has been issued already. 
I called Best Buy card service and asked them to cancel the credit card application, which they did. 
A few days later the credit card was posted to my credit report as a closed account. 
I called them back explained that I was trying to by a product using their installments offer but they didn't approve me for it and still issued a credit card. They refused to help me in and let me know that i can dispute it with credit bureaus but they will still contest the dispute. 
I have been scammed into getting a credit card I didn't need by using the pretext of giving me an installment. When I cancelled that credit card they punished me by reporting a closed account on my credit report, even though the account was a few hours old and I never used it.
Consumer complaint received 2020-09-10
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: Premium Credit Bureau (IL)

I never applied for services with XXXX XXXX Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I applied for a Amazon Prime Credit Card and was given one in XX/XX/2020. It was issued through Chase Bank. It had a credit line of {$1200.00}. I made about {$350.00} worth of Amazon purchases on the card in XXXX and made the first scheduled payment on the due date. 
Yesterday ( XXXX ) I received a letter from Chase Bank stating that my account had been closed " because our affiliate is ending their banking relationship with you ( me ) '' The letter gave a number to call for questions. I called that number and asked for an explanation of who / what the affiliate is that is ending our relationship. The woman could not tell me that nor explain any further due to privacy issues. I have no banking relationships that are or have recently ended. 
I asked what this does to my credit score? Because now I have an inquiry, and a closed account in a very short time frame. She could not answer that questions either. I asked who I could call or write to find out answers to all these questions and she said she did not know. 
It seems unfair to me that they can mess with my credit like this - and not even give me clear answers as to why.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am enrolled in two classes at XXXX XXXX XXXX for the Fall XXXX semester. On XXXX XXXX Navient sent me an email notification that my loan was placed in a status of in school deferment as of XXXX XXXX. I did not request a deferment and have continued on paying my monthly loan amounts. I did not submit any paperwork for an in-school deferment, nor did I approve or agree that an in-school deferment could be automatically initiated. I immediately contacted Navient customer service on XXXX XXXX. I was told by a customer service representative that XXXX XXXX XXXX notified Navient that I was in school and that this notification triggered Navient to change my loan status to in-school deferment. The customer service representative informed me that the in-school loan deferment was removed from my account on XXXX XXXX. I have not yet received email confirmation that the in-school deferment was removed. I am concerned that the adjustment of account to in-school deferment was completed without approval.