davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy ofthe XXXX breach verification. As a result, these companies XXXX. XXXX XXXX XXXX XXXX XXXX posted on all 3 credit bureaus they " verified '' my accounts. I disputed with each bureau. I asked for Purchase Agreements with their companies to show full ownership of these accounts. I have not been presented with a purchase agreement but they continue to post on my credit reports.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention an issue regarding my credit report with Equifax. I have recently moved, and my new address is as follows : I have observed that this updated address is correctly reflected on my XXXX and XXXX credit reports, but it appears to be missing from my Equifax report. As per the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information is crucial for maintaining the integrity of credit reports
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (OH)

I recently reviewed my credit report and was shocked to learn i been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me, this has been hurting me because im trying to buy a home for my family.Please remove the SELFINCLEAD & XXXX account off my credit as soon as possible, Thank You
Consumer complaint received 2019-05-13
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. (MA)

There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (MA)

The company Lending Club of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, USA, Has violated Regulation " Z '' and additionally failed in Crediting Payments as of the Date of Receipt Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. They have also failed to validate the debt by the standards established by Federal Law and the FTC within the allotted time.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I am part of the loan forgiveness program, after I make 120 payments on time I should have my loan forgiven. I have made 70 qualifying payments, the computer says I made 47, I have been calling for 14 months and they always say they are working on fixing the problem, but 14 months and I have no response.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-Michigan Collection Bureau (MI)

I have pulled my credit report in XXXX 2016 and found that Mid Michigan CB placed XXXX collections on me. I send out letter to dispute both debt in XXXX 2016. Mid Michigan did not respond. I filed a complaint to Consumer Financial Protection Bureau Case # XXXX in XXXX 2016. They send out the XXXX original document from the original creditor for {$16.00} which I have proof that it was paid. I will send you documentation on it. They have not sent me the other XXXX for {$130.00} that they say I owe and the account number is # XXXX. Mid Michigan CB had over six months to Validate this debt which they have not. The have violated FDCPA requirements.
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX and XXXX XXXX  acct # 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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Hello, I have a new Citi XXXX XXXX XXXX credit card. On the XXXX website, they advertise that the XXXX for this card will be 21.24 % XXXX % *based on credit worthiness*. 

I have " very good '' credit ( as categorized by XXXX, the company this card uses to check credit worthiness ), so I was alarmed when they assigned the highest rate -- 29.99 % as my introductory XXXX. 

According to the paperwork Citi sent me with my new card, my XXXX XXXX ( XXXX ) was XXXX at the time the card was issued ( in XX/XX/ ), and according to the Citi website, my credit score is XXXX as of today ( XX/XX/ ). 

Additionally, on my statement, Citi identifies 29.99 % as their " XXXX XXXX ''. 

I called their XXXX number today, and the first representative I spoke with said the only XXXX option available in his system is 29.99 %, so while he understood the reasoning for my concern, he was unable to offer me a better XXXX. 

I asked to speak with his supervisor, who told me that he was unable to explain why " the computer '' had set my XXXX at 29.99 % and there is no one above him who I could talk to about this. 

There are XXXX parts to my complaint : ( XXXX ) it appears that Citi is not actually offering the range of interest rates that they advertise for this card. If someone who has " very good '' credit isn't getting at least a slightly better rate than the " XXXX XXXX '', is their advertising honest? 

And ( XXXX ) If a customer has a concern about the rate they are being charged, it appears that they have no recourse, as the chain of command ends with someone who says there is nothing he can do because a computer makes decisions about rates. On this note, I found it concerning that when I mentioned that a human must be programming the computer, he told me I should not jump to conclusions like that.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc. (CA)

Received notification from RSI Enterprises , Inc. ( XXXX ) XXXX www.rsico.com/consumer/ for a debt owed to XXXX XXXX XXXX XXXX for account number XXXX in my name : XXXX XXXX in the amount of {$130.00} from date of XXXX This debt is NOT my debt and I have no idea what this is for and why are they sending me this debt collection notice.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

This is in regards to a Family Trust account. Since my parent passed I've been going to a local Chase Bank branch many times constantly filling out paperwork to change the tax ID on the trust and get the new trustees ( children of the deceased account owner ) setup as the new account holders. Over the course of two months I kept being asked to fill out more paperwork and more paperwork but the local branch manager said it should all be fine. Then I find out some checks started bouncing and when I contact the bank it took them over 24 hours to get back to me with the answer that for some reason the back office closed the account. I did not get any notice of the account being closed and now two weeks have gone by and the local branch manager tells me he can't get me any answers as to when we'll get the money from the account. There was hundreds of thousands of dollars in the account and at this point it feels like Chase is steal from us. The money could be making interest and we now have to pay some costs to deal with our parents estate out of the children 's personal accounts since we don't have access to the money. This is absolutely ridiculous that a large financial institution can operate in such a reckless way. All I'm asking is to get my money back immediately so I can go open a new account at a reputable establishment since obviously Chase is far from that. I had similar problems with JP Morgan on the Brokerage accounts but finally did them them resolved. Chase seems to have no regard for their clients, just for themselves!!
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Company of Kenosha & Racine, Inc (IL)

on XXXX XXXX i sent a certified letter to oliver adjustment requesting validation ( a signature showing i have a contract with, owe money to or have ever done business with them ). it was signed for on XXXX XXXX after 30 days, this company has not sent me any validation of the so called debt, nor have they marked this disputed as i have pulled my credit report this morning and time stamped it. they have broken Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] by not doing either in the required 30 day by law
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (GA)

XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.
Consumer complaint received 2022-08-05
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. (NC)

Requested removal off all account open and closed on credit repor due to the fact they assumed a role that I never gave permission, not only didnt they have my permission they didnt have my consent either. And didnt exceride thisr responsibility and was unfair, partial and dont respect my right to privacy.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I made the decision to switch homeowners insurance providers in order to decrease my monthly payment to my mortgage provider ( Chase Bank ). 

Around XX/XX/XXXX, I called the homeowners insurance department at Chase to inform them I would be switching from XXXX to XXXX as my insurance provider. I inquired on what steps would need to be taken to ensure that only my new insurance provider would be paid. The agent informed me that Chase would freeze any payments to XXXX and that I just needed to provide the declaration page from my new insurance provider ( XXXX ). I submitted the form to Chase via their online portal. 

Around XX/XX/XXXX, the Chase online portal showed payments were made to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The amounts of these payments were {$3000.00} and {$1600.00}, respectively. I called Chase that day and spoke with an individual on their escalations team. He informed me that their processing team had made a mistake and that I would need to contact XXXX directly to receive a refund. I requested an explanation letter of how this error occurred and was told it would take up to XXXX business days to receive the letter. To date, I have not received the letter or any contact from Chase regarding the matter. 

The same day I contacted Chase, I called XXXX to cancel the payment. The agent with XXXX confirmed the refund was being processed and that Chase would receive it by the end of XXXX. 

Subsequent calls with Chase resulted in a promise that my monthly payments would be reduced until this escrow processing error was resolved. On XX/XX/XXXX, I was charged {$430.00} more than my normal monthly payment. I called Chase on XX/XX/XXXX to inquire on why I was overcharged. They claimed they had not received my insurance refund and had no explanation for why I was overcharged. I also spoke with an agent from XXXX that confirmed the refund was submitted to Chase weeks ago. 

In summary, Chase had committed a serious processing error while handling my escrow. As a result, they are continuing to overcharge me by a significant amount and lie to me when I call to inquire about this issue. Neither Chase nor XXXX can confirm where my refunded insurance money is.
Consumer complaint received 2024-03-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC. (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. Thank you.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Westlake Financial took duplicate loan payments from my bank account, when I the discocered the overpayment, i contacted them, they agreed to return payment in 10 to 14 days. I asked to speak to a supervisor and the CSR hung up. I called back and asked for a supervisor. The supervisor said the unauthorized excess payment they took would be in my bank account in 24 to 48 hours. Today, they wrote an email saying were going to send me a " virtual credit card " soon. '' I wrote back I want cash just the same as they took from my account.

1st complaint is an unauthorized payment taken out of my account and 2nd complaint is their refusal to remit back funds as they removed them.
Consumer complaint received 2022-08-05
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 my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section 605b. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.