davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-23
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: Southwest Credit Systems, L.P. (TX)

FRCA Violation address and names XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection SOUTHWEST CREDIT SYSTEMS
Consumer complaint received 2018-08-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with XXXX XXXX XXXX XXXX XXXX XXXX I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

XXXX- XXXX  I opened up a business account for my new business XXXX XXXX XXXX in XX/XX/XXXXusing my social my personal information my name my last name and date of birth and my address which that time was at XXXX  XXXX    which I worked and I live there as well upon applying it asked me for my tax ID number at that time I put my sales permit number which is a tax state tax number usually for wholesalers I put that in as my Thats ID number since I did not have tax ID number and I thought my sales permit number would suffice a few weeks later I received a card in the mail that had my business name and my name on it so I used it and did not get a statement I called them and they stated that the accounts been closed somehow my card was linked to my old Account the XXXX  XXXX   which I worked previously and I currently live there they contacted police department which accuse me of committing fraud however in the investigation I recently found out that my social my name everything that pertains to me was used in the application and my business name was used and my credit card onlyHad my business name and my name never my old employers name that was added after I applied someone and Citibank looked up the address and added the address account name which my apartment complex had the same account or an account with Home Depot for the complex they popped up the same address however they did not put my apartment number only the street address which showed the apartment complex officeI had a phone bill through XXXX XXXX XXXX or XXXX at that time that was again using my apartment address however the phone company later on they corrected the account to reflect apartment number instead of the complex this mixup reported my information and the apartment complex office information as one agency which XXXX XXXX XXXX recorded as parent company this was done not by me but by Citibank when they linked the two accounts as one under the apartment complex office instead  of my apartment number this caused a XXXX  XXXX  and at that time I represented myself and lost I spent XXXX  months in XXXX  and to this day Citibank never told the truth and I am still suffering from the effects of Citibank having the ability to edit applications and fix information that was never added but added after the fact just to approve applications they single-handedly input other information which they think is relevant or corrected this in return is a scheme because ultimately I owe {$20000.00} of restitution to Citibank which Ive never Received any merchandise from Home Depot because it was a controlled order and law-enforcement intercepted the order I am undergoing a application for XXXX  review the District Attorneys Office agree to review my XXXX  because they agreed that Citibank made improper allegations and may have indeed added the information when verifying the credit account Citibank made a error and my life was changed forever
Consumer complaint received 2022-04-23
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. (MI)

In ccordance with the Fair Credit Reporting act.. XXXX  Account.XXXX  XXXX BANKRUPTCY # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A.States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoeting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I had 2 deposits made in my behalf through the Chase mobile banking app. The first deposit was made on XX/XX/XXXX in the amount of {$1400.00}. The second deposit was made on XX/XX/XXXX {$1600.00}. Both checks that were deposited were copies of a prior deposit and modified to attempt to be passed through as real. The checks were deemed as fraudulent/altered. I notified the bank of the activity prior to them determining they were fraud and told them to freeze the account. Later that day I went to open a new Chase account and since they are all tied together to the same social the froze that too. I contacted XXXX XXXX at the Fraud Recovery Investigations Department at XXXX on XX/XX/XXXX in attempt to activate my debit card and unfreeze my new account. He told me I had to process a claim through the claims department before he could unlock the account and activate the card. The claims department stated they can not do anything since the withdrawals were valid but the deposits were not. They told me to contact law enforcement so I contacted the FBI since it was and overseas issue. The FBI told me they do not investigate this and to call the FDIC. The FDIC told me they only handle issues regarding if the bank goes belly up. The said it is Chase 's Fraud Departments responsibility to investigate the fraud. They advised me to file a complaint against the bank here, however since it is an overseas issue I am probably going to be out of luck on re-cooperating the loss. I feel chase has not done their due diligence to investigate where these deposits were made from so that the culprit can be charged with a crime. This is not how they should handle their customers who are victims of fraud.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-06-09
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 (OH)

My girlfriends nephew who's XXXX years old had came over for the weekend and stole me and wife 's card info. He made several purchases for XXXX using several of our cards. We noticed several transactions that looked like they were sent to some company in XXXX. I tried to contact Chime bank to let them know the transactions were unauthorized the date they took place XX/XX/XXXX. They still let the transactions go through and then there were several made after I informed them of other transactions. I never made the transactions or received any goods or services. My claim was denied and I was told because the same ip address was used. I tried to dispute again and sent in paperwork I also contacted merchant where funds were sent and was told they're unable to issue refunds but the person who's account the funds were sent to was shut down due to fraud. They gave me a case number to submit to person working on my case but chime said there isn't a way for us to speak to complaint department. 
The date I notified bank of unauthorized transactions was XX/XX/XXXX. The bank asked me to complete written fraud report and still denied my claim.The bank didnt ask me to file police report or handle with merchant. The transactions were as follows : XXXX XXXX {$100.00} XX/XX/XXXX. XXXX  host XXXX {$210.00}. XXXX  host XXXX {$210.00}. XXXX host XXXX {$280.00}. XXXX  host XXXX {$350.00}. XXXX {$59.00}. XXXX.eu {$49.00}. The total of the transactions was XXXX.
Consumer complaint received 2022-08-06
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. (SC)

Ive been a victim of identity theft and Equifax a company for months have screwed me and millions over in rates due to wrong credit scores. Equifax has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what Equifax has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.
Consumer complaint received 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I am a homeowner currently attempting at refinancing on a better rate in order to afford my monthly payments. 
On XX/XX/2021, a call was made to FedLoan Servicing to verify my monthly payment in order for to qualify for the rate. XXXX, a third party, and myself, were on this call and confirmed total of {$33.00} as per the XXXX XXXX XXXX plan. 
I soon found that lenders at XXXX XXXX needed me to be out of forbearance and a written letter to further verify and document this amount. 
On XX/XX/XXXX, XXXX of 2021, I contacted Fedloan Servicing again and was told the {$33.00} was in fact the amount I would need to start paying to opt out of forbearance. In order to provide the letter to XXXX XXXX, I had no choice but to opt out of forbearance and prove this amount. I spoke to multiple " loan counselors '' who again confirmed the XXXX amount and asked for a letter to send to my lender, which was not provided. XXXX # XXXX and XXXX # XXXX of Fedloan Servicing were the last two people I spoke with that confirmed yet again, the XXXX monthly amount due after opting out of forbearance. I made a payment of XXXX on the day this amount was due, XX/XX/2021. 
Today, XX/XX/2021, I am beyond stressed and distraught as there is an amount of {$180.00} due and a status of delinquent. This week was going to be the week my documents would go to the refinance loan underwriter once I collected this last pending document stating the amount I had verified of XXXX, but will surely be denied because of the time I would need to fix this issue. My rate lock will expire a week from now and by the time this complaint is received and processed it will be too late. 

Another note worth mentioning is I am currently under the XXXX program with only XXXX months being credited as payments out of the XXXX years.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (DE)

I called Ally Financial in hopes of extending again my lease one more time. When I spoke to customer service I was told I could no longer extend the lease and that I had to turn in the car if not I would be charged XXXX each day till is returned. Is this even legal to charge XXXX daily? I needed one more extension I had asked for one month can be extended till I got back in the states. I was also denied a one month extension. I am a great payee not sure why something could not be worked out. I was out the country due to my job, the position I carry at my job requires me to travel months at a time out of the country and I could not make it to turn the car in or to at least buy the car out in monthly payments. I know my job situation leaving and coming out the country is not any ones problem but I also can not control when and how long my job will have me out the country on these projects and that is why I called to work something out with Ally till I got back. I was out the country for 6 months and I have arrived back to take care of this. Help me work something out I can not afford XXXX a day that's being placed against me when I have no control of my job situation. Again I tried and reached out to Ally and was denied they extension. I was not even offered any other resolution. Its unfair to know that I tried to work something out and not be offered another solution.
Consumer complaint received 2021-02-01
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 (FL)

On XX/XX/2021 at XXXX pacific time my debit card was compromised for {$250.00} My first alert was XXXX letting me know of the suspicious charge. I then contacted my bank CHIME to make them aware that someone has stolen my information to close down my card. I received an email from chime saying they denied my refund for the unauthorized charge as I shop with XXXX often. So because ive shopped with XXXX, its ok for my information to be stolen and used to make fraudulent charges. This is unheard of and Im requesting an investigation. This has put my family in a horrible situation. I trusted chime with all of my banking including child support payments and this is unjust and unfair. XXXX agrees this was a suspicious unauthorized charge and is shocked about chime bank reply. Ive included all emails from XXXX. Please help me
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NH)

I opened a credit card account with Citi for Double Cash Back awards advertised on XXXX  XXXX  and multiple other sites rating it as the best cash back awards credit card. I was awarded 1 % for purchase, but did not receive the additional 1 % when I paid the balance on XX/XX/2021. After 8 days, I contacted Citi executive customer service via email and received an automated response. One week later I still had not received the additional 1 % for paid balance nor had I received an explanation from Citi. I then sent another email with a print screen of the Double Cash Back offer to Citi including XXXX XXXX, XXXX XXXX and XXXX XXXX - corporate executives with Citi. I received a generic response from Citi customer service which did not address the issue of the additional 1 % I had inquired about. I then contacted XXXX XXXX to complain about the high rating they give Citi for Double Cash Back with a print screen from my account showing I received 1 % for purchase but did not receive the additional 1 % for payment as is advertised and I copied Citi Executive Customer Service and corporate leadership. XXXX XXXX replied promptly and apologized but referred me to Citi - Citi has not awarded the points for payment nor have they provided an explanation.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

We sent Experian a letter we will attach to this complaint politely asking them to look at several accounts they are reporting we question. They sent back a letter to us both saying our letter was " suspicious '' and they " determined it was not sent by us ''. 
This is an insult to our intelligence. We included copies of our drivers licenses, social security cards, and a bill copy showing our residence. 
Who else would want to fix mistakes on our credit reports but us?? We have written them before, and they know this, and they have written back. Are they now above the law and can make up an absurd excuse not to help people? This is the most absurd thing I have seen. Its absurd enough we keep writing clearly telling them things are wrong and they do nothing, but this is just beyond absurd. 
We demand they respond immediately and hope the CFPB sanctions and fines them for this treatment of consumes at their mercy!
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. 

To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. 
when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX   speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. 

It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. 
Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. 
I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. 
I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.
Consumer complaint received 2020-01-25
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 AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.
Consumer complaint received 2020-01-25
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. (GA)

Derogatory marks View all accounts COLLECTIONS XXXX  Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

Today I called the number that I looked up on the computer and they hung up on me a couple of time after I press the number 1 to disconnect my card..and its asking me for my card number but I dont have it cause I lost my whole wallet..hoping to find it around my house but I still havent found it..and then I logged into my unemployment account to see if I could get a replaced card through them that way but I stopped cause it wasnt working either.
Consumer complaint received 2021-05-21
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.